South State Correspondent

APRIL 30, 2024

An inverted yield curve, continued bank failures, and the desire to manage risk and offer clients higher service are all factors that are driving more community banks to adopt a loan hedge program. Community banks do this profitably by turning transactional accounts into relationships.

Community Bank 195

Community Bank FDIC Community National 195

Independent Banker

JANUARY 31, 2022

Here’s how four community banks are thriving in this environment. This region has the kind of energy that draws people to a place and helps them and their businesses thrive. We spoke with four community banks in the southern half of Texas to learn how they are serving this buzzing region. By Mindy Charski.

Texas 182

Texas San Antonio Community Bank Community 182

South State Correspondent

SEPTEMBER 20, 2023

The treasury or cash management customer is usually a bank’s most profitable customer on a risk-adjusted basis ( HERE ). In this article, we discuss cash management profitability and rank the most profitable industries for banks to go after. Cash flow stability is also a factor in cash management profitability.

Management 195

Management Survey Industry Community Bank 195

South State Correspondent

AUGUST 1, 2016

If you have to battle the large national or regional banks for treasury management business, then you are in luck because competition is easy. Of course, many community banks don’t feel that way, but often that is because they have the wrong approach.

Community Bank 150

Community Bank Community Management Conference 150

PYMNTS

APRIL 14, 2020

To provide regional and community banks with a full-scale solution to manage and grow their FX programs, FinTech firm Derivative Path, Inc. Our industry-leading rates platform now combined with Currencycloud’s capabilities will make our offering even more powerful for our regional and community banking clients.”.

Regional 181

Regional Community Bank America Community 181

Independent Banker

APRIL 30, 2022

Independent Banker’s annual listing top-performing community banks of 2021 alongside interviews with some of the winners. In true community bank fashion, each has its own story to tell and its own path to success. In true community bank fashion, each has its own story to tell and its own path to success.

Community Bank 172

Community Bank Community Montana Taxes 172

Independent Banker

AUGUST 31, 2021

This year’s winners: Left: Central Valley Community Bank, People’s Choice Award; Middle: Kennebec Savings Bank, Exceptional Community Bank Service Award; Right: Cross River Bank, Emerging Service Program Award. Exceptional Community Bank Service Award. Kennebec Savings Bank.

Community Bank 196

Community Bank Community National Fresno 196

Independent Banker

NOVEMBER 30, 2021

Many hotels and other hospitality businesses haven’t fully bounced back from COVID-19 travel and safety restrictions, but community banks have been by their side through the challenges. MainStreet Bank has a sizable hotel loan portfolio with roughly $100 million in loans on 15 properties. Sushil Patel, State Bank of Texas.

Community Bank 209

Community Bank Community Texas Dallas 209

Banking Exchange

JANUARY 20, 2021

Greenwoods buys branches from Town Bank, while Santa Cruz County Bank and Mountain America Credit Union announce openings Community Banking Feature3 Feature Management M&A.

Community Bank 78

Community Bank Community Regional America 78

PYMNTS

JULY 3, 2020

People’s United Bank Senior Vice President of Treasury Management Cris Sigovitch told PYMNTS that while access to payables FinTech solutions is important, perhaps even more essential is access to a trusted partner that can guide firms toward a resilient and future-proof AP department. ” Offering the Right Tools.

Regional 214

Regional New Hampshire Tools Vermont 214

Alex Jimenez

APRIL 7, 2024

These banks should beware that even an organization that has innovation in their DNA, like Nike, is now having a hard time going back to their old ways. Cost Management The myopia exhibited by organizations single threading their strategy is breathtaking. They present a series covering five elements for successful cost management.

Innovation 87

Innovation Management Strategy America 87

Banking Exchange

AUGUST 21, 2019

Community banks are facing tremendous competitive pressures from regional, national, and global banks Technology Feature3 Fintech Feature Financial Trends Community Banking Customers Core Systems Branch Technology/ATMs Outsourcing/Cloud Tech Management Mobile Online Cards Checks/Remote Deposit Capture.

Community Bank 102

Community Bank Community ATM Regional 102

South State Correspondent

MARCH 5, 2024

Several measurable factors drive loan (and, by extension, bank) profitability, including loan size, credit quality, term, cross-sell, and upsell. In this article, we will consider how and why loan size is one of the most significant drivers of profitability for community banks and what community banks can do to improve performance.

Community Bank 195

Community Bank Community National Lending 195

South State Correspondent

MARCH 5, 2024

Several measurable factors drive loan (and, by extension, bank) profitability, including loan size, credit quality, term, cross-sell, and upsell. In this article, we will consider how and why loan size is one of the most significant drivers of profitability for community banks and what community banks can do to improve performance.

Community Bank 195

Community Bank Community National Lending 195

South State Correspondent

FEBRUARY 20, 2023

Who the competition is, what the lending competition is offering, their delivery channels, and service levels can help community banks differentiate their services and enhance their competitive advantage. Analyzing the competition can also help a bank be realistic about which products it can sell and at what price.

National 195

National Lending How To Community Bank 195

Independent Banker

JULY 31, 2022

Following their stints as interns, Malvern Bank retained the talents of (L to R) Cody Sorenson, Keegan Wederquist and Adam Konfrst, hiring them as full-time, mid-level team members. These community banks share how they have (or haven’t) altered their hiring strategies. Total employment quit rates by region: Northeast.

Community Bank 91

Community Bank Community Iowa Louisville 91

Independent Banker

JUNE 30, 2022

If community banks put in the effort to foster a sense of belonging, the result is a stronger workplace culture, greater employee loyalty and, ultimately, a better experience for customers. So, how can community banks build truly inclusive cultures, where everyone feels like they belong? Misti Stanton, Mercantile Bank.

Community Bank 91

Community Bank Community Leadership Millennials 91

PYMNTS

NOVEMBER 13, 2018

To that end, news came earlier this week in the United States that a dozen community and regional banks have formed a group aimed at exploring the opportunities amid FinTech offerings. The group, to be known as Alloy Labs Alliance, according to a press release , is being managed by FinTech Forge.

Community Bank 183

Community Bank Community Fintech Arizona 183

PYMNTS

OCTOBER 10, 2018

Together, the companies are launching RegalOne, an application that provides integrated virtual cards to the corporate customers of regional and community banks. That platform will enable those business users to make payments via virtual card, while Mastercard’s In Control solution enhances the security of those transactions.

Community Bank 134

Community Bank Community Cards Software 134

South State Correspondent

OCTOBER 10, 2022

FTP was introduced to banks in the early 1980s to help manage interest rate risk on a transactional basis. Over time FTP was further advanced to allow management to measure and manage credit, interest rate, liquidity, and operational risk across business units. Simple Funds Transfer Pricing Example.

Community Bank 195

Community Bank Community Examples Management 195

South State Correspondent

FEBRUARY 27, 2024

Community bankers need to practice realistic loan pricing discipline. However, we need to understand the meaning of pricing discipline and its effect on community bank performance. Bankers need to manage credit relationships to ROA/ROE and not credit spreads. Why do banks use RAROC loan pricing models?

How To 195

How To Community Bank Community Management 195

PYMNTS

APRIL 23, 2020

Below, PYMNTS rounds up the latest solutions that FinTechs and lenders are developing to ease the PPP lending process for SMBs and FIs alike, with many initiatives focused on enabling regional and community banks to maintain a competitive edge against the biggest banks. Fresno First Bank. LendingTree.

Fresno 142

Fresno Regional Fintech Lending 142

South State Correspondent

JANUARY 25, 2024

Community banks that use our ARC hedging program have used forward rate locks for the following scenarios: Community banks use forward-term loan commitments to offer single-close construction through permanent financing. Community banks also offer forwards to poach customers from other banks.

How To 195

How To Community Bank Community National 195

South State Correspondent

MARCH 30, 2022

Community banks pride themselves on superior customer service. Approximately 90% of all community banks believe that they provide an above-average level of customer service (of course, the math cannot work that way, as half of all banks should be providing a below-average level of customer service).

Community Bank 195

Community Bank Resources Community Regional 195

Banking Exchange

JUNE 14, 2021

Bank of America ranks highest in banking mobile app satisfaction, reports JD Power Retail Banking Feature Lines of Business Technology Mobile Online Tech Management Feature3 Community Banking Consumer Compliance Customers.

Regional 88

Regional Mobile Survey Community Bank 88

South State Correspondent

JUNE 30, 2023

Many banks pride themselves on superior customer service, and approximately 90% of all community banks believe that they provide an above-average level of customer service (the math cannot work that way). There are several ways for bank managers to address this issue and better align relationship pricing with bank profitability.

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Resources Community Bank Capital Community 195

South State Correspondent

AUGUST 21, 2022

Last week we wrote about loan-level vs. balance sheet hedging for community banks and provided our loan proposal generator ( HERE ). We compared and contrasted the two strategies and sized the market for community banks. A community bank may transact one or only a few balance sheet hedges over many years.

How To 195

How To Community Bank Community FDIC 195

American Banker

NOVEMBER 10, 2023

In its biannual report on supervision and regulation, the Federal Reserve Board noted an uptick in governance issues with large banks. Regional and community banks, meanwhile, were plagued by IT problems and risk management struggles.

Risk Management 90

Risk Management Community Bank Regional Community 90

Gonzobanker

NOVEMBER 26, 2018

Rapid consolidation in the banking industry is creating a growing band of regional banks that find themselves stuck in a solution provider market that isn’t fully capable of serving them. As banks have consolidated, so have the technology partners serving them.

Regional 101

Regional Strategy Technology Innovation 101

Abrigo

FEBRUARY 23, 2023

Relationship focus helps CFIs Small banks can leapfrog competitors and better serve their communities by combining their unique advantages with smart management and partnerships. Takeaway 3 With effective technology, the bank can continue to grow its portfolio without necessarily adding staff.

Community Bank 195

Community Bank Kansas City Community Lending 195

Banking Exchange

JANUARY 10, 2022

2021 saw several US banks announce new transactions despite simmering regulatory pressure Compliance Management Feature M&A Feature3 Compliance/Regulatory Compliance Management Community Banking.

US 60

US Regional Compliance Community Bank 60

South State Correspondent

NOVEMBER 29, 2023

One of the lessons that was driven home at the recent American Banker Small Business Banking Conference in Nashville was the difference in marketing between large national banks and community banks, particularly deposit marketing. Many banks fall into the “recency trap.” There is a reason for this.

Marketing 195

Marketing Regional National Nashville 195

South State Correspondent

APRIL 10, 2023

CRE Risk Background While ten years ago, community and regional banks use to make up some 55% of the CRE market, in 2023, these banks now compose approximately 72% (below). The risk here is that community banks continue to take on an above-average amount of CRE credit exposure.

Community Bank 195

Community Bank Community Los Angeles Regional 195

South State Correspondent

OCTOBER 17, 2022

In a previous article ( HERE ), we discussed the concept of Funds Transfer Pricing (FTP), why systemically important banks and large regional banks incorporate FTP, and why community banks should also consider implementing FTP. bank about loan pricing. FTP Attribution – A Specific Loan Example.

How To 195

How To Community Bank Community Capital 195

South State Correspondent

APRIL 18, 2023

We concluded that the market does not adequately compensate banks for credit and interest rate risks. Top-performing community banks deploy relationship banking. We define relationship banking as a model focused on a consultative banking approach. uses at our bank.

Strategy 195

Strategy Regional Industry Community Bank 195

South State Correspondent

MAY 18, 2022

In two recent articles, we reviewed the banking industry’s deposit behavior with regard to cost of funding earning assets (COF) ( HERE ), and we compared how community banks’ COF behaves relative to national banks in a rising interest rate cycle ( HERE ). A graph for SouthState Bank appears below.

Community Bank 195

Community Bank Community Analysis Industry 195

Banking Exchange

JULY 15, 2019

Survey also finds fewer than half of bank employees know what conduct and ethics controls are in place Compliance Management Compliance/Regulatory Community Banking Feature3 Financial Research Human Resources Feature Management Compliance.

Regional 68

Regional Compliance Community Bank Resources 68