Jeff For Banks

MAY 20, 2017

And regulators are getting anxious. and New York Community Bancorp called off their planned merger. Today, I read an American Banker article on how a multi-billion dollar bank is going to ramp up its business lending. How significant was CRE lending to the souring of bank loan portfolios? Anxiety, anxiety, anxiety.

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Lending Regulation Community Community Bank 60

Independent Banker

AUGUST 27, 2015

Most banks today are struggling with the reality of shrinking net interest margins due to increased competition for fewer quality loan opportunities. Most community banks do not offer trust services due to the significant barriers to entry into this particular financial service line. But what about trust services?

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Community Bank Florida Community Taxes 70

PYMNTS

APRIL 30, 2018

Fifty-two percent of SMBs predict business payments will be digital within the next five years , said Bank of America, while mobile phones are used by nearly all small business owners today – 89 percent say they use smartphones and other mobile devices to manage their business and operations like basic tasks, digital banking and digital payments.

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Taxes America National Community 144

Jeff For Banks

FEBRUARY 4, 2023

Additionally, the implementation of new policies by the government, such as changes to taxes and regulations, could also influence economic outlook. Vendor management due diligence, such as "Where can I find third-party reviews on the nCino loan operating system?"; The tool is still new and evolving.

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United States US Cyber Security Taxes 78

Independent Banker

JULY 30, 2015

The Independent Bankers Association of New York State has been actively advocating for several initiatives to enhance community banking and the communities and customers our members serve. These increased burdens and costs have had an impact on the number of community banks.

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Community Bank New York Community Taxes 70

Jeff For Banks

JUNE 2, 2023

Second, this can be accomplished only if the industry does not have too much influence over its regulators and if the regulators have the ability to hire, train, and retain qualified staff. In this regard, the bank regulatory agencies need to remain politically independent. To you, manage your interest rate risk.

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FDIC Community Bank Regulation Lending 78

Independent Banker

SEPTEMBER 22, 2015

Both of these laws pointedly changed the National Flood Insurance Program requirements over which of the banking agencies have jurisdiction. There is an exception that will be key for many community banks to understand. Biggert-Waters) the bank was not required under federal or state law to escrow taxes or insurance.

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Regulation Policies Community Bank Taxes 70

Jeff For Banks

NOVEMBER 1, 2017

Tax cut and tax reform proposals have been floated. I believe that tax cuts will spur economic growth, but only if they do not increase government borrowing and the federal deficit. We have seen the elimination of several regulations; the lifting of burdensome regulations will help everyone.

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Marketing Taxes DC Community Bank 60

Independent Banker

DECEMBER 13, 2015

Indirect auto lending has played a major role for Security Federal Savings Bank in Jasper, Ala. Half a dozen years ago, the community bank held $13 million in auto loans. Currently the bank has a little less than $40 million in assets, according to President and CEO C. MainStreet Bank in Fairfax, Va.,

Community Bank 70

Community Bank Lending Community Security 70

Independent Banker

NOVEMBER 24, 2015

Indirect auto lending has played a major role for Security Federal Savings Bank in Jasper, Ala. Half a dozen years ago, the community bank held $13 million in auto loans. Currently the bank has a little less than $40 million in assets, according to President and CEO C. MainStreet Bank in Fairfax, Va.,

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Community Bank Lending Community Security 70

Jeff For Banks

AUGUST 12, 2018

This is because the economy has been gaining momentum, however modest, from the tax cuts and deregulation. As well as the economy has been doing from the momentum of tax cuts and reduced regulation, there are always looming issues. Dorothy has been with Penn Community Bank and its predecessor since November, 2004.

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Independent Banker

MARCH 15, 2015

It was a prescient move for Hartings and the $450 million-asset community bank, which comfortably weathered the downturn even though residential mortgages are its biggest business line—but not everyone appreciated Hartings’ common-sense approach at the time. Large Community Bank Council, member. Membership-Marketing.

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Ohio Community Bank Community Lending 70

PYMNTS

MARCH 18, 2019

This new window – which will allow banks to submit requests for SDA until 4:45 p.m. EST – is understandably of great interest to all banks, but particularly to those in the Mountain and Pacific time zones. TCH is the association of the 25 largest banks in the U.S., This delay was initiated by the Fed. the other being the Fed.

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Payments Cards Operations System 201

American Banker

FEBRUARY 29, 2016

There are good, bad and ugly stories about how marijuana entrepreneurs deal with taxes and other financial management issues while having little access to banking services.

Taxes 28

Taxes Management Community Bank Community 28

Jeff For Banks

APRIL 12, 2018

Most community financial institution strategies has some sort of “community” focus. It’s implied whenever someone says “we’re a community bank”. Even the big banks. Regulation has driven up costs and made us gun shy. pre-tax profit as a percent of the portfolio. Which nearly everyone does.

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Lending Resources Community Metro 60

Jeff For Banks

JULY 8, 2017

I believe that we are in this era of weak growth, now eight years old, for the long haul unless changes are made to regulation and we stop adding debt at break-neck speed. Dorothy has been with Penn Community Bank and its predecessor since November, 2004. Many of my economic views contain the word “weak.”

Marketing 60

Marketing Community Bank Security Data 60

Gonzobanker

DECEMBER 19, 2017

One word can summarize this action-packed banking year, GonzoBankers – tiring. Heavy-handed regulators. Endless CRM and data management projects that shook our foundations and gutted our PMOs. THE BANKING AWARDS. GonzoBanker of the Year – Large Banks. This year brought us: Mergers out the yin-yang. Payments chaos.

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Conference Industry Community Bank Community 101

South State Correspondent

MARCH 15, 2023

While we wrote about the root cause of the failure of Silicon Valley Bank (SVB) HERE , the lessons of the current banking crisis go beyond interest rate risk management. While interest rate risk caused the most significant impact on value, several other factors contributed to the terminality of each bank that was closed.

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social media FDIC Branding Management 195

Independent Banker

FEBRUARY 28, 2022

After a year of virtual visits, the ICBA Capital Summit —the most high-profile and powerful community bank advocacy event of the year—is back in person May 1–4. No other event provides more opportunities for community bankers to engage with lawmakers, regulators and government officials.

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Community Washington Community Bank Capital 180

Gonzobanker

DECEMBER 17, 2021

Performance and multiples continue to be solid, outperforming most regional banks. Congrats to Randy and a great management team. Simultaneously the bank invested in Paladin Fraud, Trabian Technology, and Chartwell Compliance to provide compliance and risk management solutions in the complex and connected web of fintech partnerships.

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Fintech Strategy Leadership Lending 147

South State Correspondent

JULY 25, 2022

We have poured through the recent 2Q earnings releases, spoken with a rash of institutional bank investors, traded thoughts with analysts, and compiled the following list of concerns that bank stakeholders (employees, shareholders, vendors, and regulators) now have. Loan Rate Mix: How are you managing interest rate risk?

Trends 195

Trends Lending Marketing Capital 195

Abrigo

OCTOBER 20, 2016

Technological innovation has enabled FinTech start-ups to compete in a field previously dominated by banks and credit unions. At the same time, early adopters of new technologies, like mega banks, are edging out community banks and credit unions in the fight for customers and creating a rapidly consolidating industry.

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Software Lending Community Bank Taxes 150

Jeff For Banks

DECEMBER 12, 2017

Their non-performing loans (NPL)/total loans ratio peaked at 12.54% in 2010, and between 2009-12, the Bank charged off over 11% of its loan portfolio. That got regulator's attention in the form of a May 2011 Consent Order (CO). Actually, the Bank had a one-time after tax litigation settlement (from a 2002-04 event) of $6.2

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South State Correspondent

JUNE 13, 2022

Banks that are looking to enhance their risk management practices should consider incorporating the concept of the velocity of risk into their enterprise-wide risk management practices. One morning, President Trump tweeted his desire for an additional tax on all foreign-owned companies operating in the US.

Risk Management 195

Risk Management Examples social media Management 195

Fintech Labs Insights

JULY 22, 2015

Advisor Software will provide an overview of its wealth management cloud platform – an end-to-end suite of APIs, apps and widgets that power digital investment advice and financial planning applications. Why it’s a must-see: It has nearly 120 APIs that will power the next generation of digital wealth management applications.

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San Francisco Video Fintech Data 12

Fintech Labs Insights

AUGUST 1, 2016

Avoka’s customer acquisition platform integrates multiple fintech services to help banks, wealth managers and insurers use mobile and digital channels to onboard customers. Bankjoy offers developers a banking API for a modern, real-time, holistic interface for credit unions and community banks.

How To 12

How To Analytics Millennials Data 12

Gonzobanker

FEBRUARY 7, 2018

Nothing seems to put a bounce in a banker’s step more than a tax break and regulatory relief, and this bountiful energy was radiating at Bank Director’s annual “mecca” for bank M&A in Phoenix last week – Acquire or be Acquired. For those in the know – simply AOBA. 2: The Bulls.

Taxes 76

Taxes Video Analytics Arkansas 76

Gonzobanker

DECEMBER 20, 2018

Despite some controversy about the deal bidding structure, the point is that MB got close to $5 billion for the franchise and locked in an exchange rate before the bank equity market softened. Bank Purchase of the Year. CVB Financial acquires Community Bank. All that and its $370MM in revenue is paid mostly by banks!

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Fintech Conference Innovation Community 105

Jeff For Banks

FEBRUARY 3, 2017

In the past ten years, the economy has not managed even one year of 3.0%+ growth. Third, the explosion in regulations over the past eight years has served to hinder businesses, especially new small business formation, and has drained valuable resources as compliance costs soared. So what has been holding us back?

Marketing 60

Marketing Taxes Regulation US 60