South State Correspondent

MARCH 19, 2024

In a future article we will discuss how community bankers may structure their commercial loan products to maximize cross-selling and upsell opportunities. In banking, those numbers are markedly different. The average community bank has thousands of customers, and the vast majority (close to 90%) earn zero or negative ROE.

Community Bank 195

Community Bank Community Industry Cards 195

Abrigo

JULY 13, 2017

The 2017 Risk Management Summit presented by Sageworks is set for September 25-27th in Denver, CO. The Summit is the industry’s leading life-of-loan conference, spanning loan origination through portfolio risk management in a CECL - current expected credit loss - world. Here are the 2016 Summit Takeaways.

Risk Management 170

Risk Management Management Denver Conference 170

South State Correspondent

MARCH 12, 2024

In a previous article ( HERE ), we discussed several factors that drive loan and bank profitability. We covered in detail how and why community banks can increase loan size to improve return on assets (ROA) /return on equity (ROE). Bank performance is maximized by increasing loan retention and reducing customer defection.

Community Bank 195

Community Bank Community Strategy Study 195

PYMNTS

FEBRUARY 15, 2018

For community banks serving small- to mid-sized businesses (SMBs), training an eye on credit cards can translate into additional revenue streams and tap into an unmet need for those SMBs. Kearney found 26 percent of small business cardholders have community banking relationships in place. There’s a lot of runway here.

Community Bank 118

Community Bank Community Cards United States 118

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

South State Correspondent

JANUARY 16, 2024

Barings Bank, Orange County (CA), Enron, Long-Term Capital Management, and other entities misused derivatives or didn’t understand the difference between hedging and speculating. Some bankers will soon hear about another example of banks using derivatives that, unfortunately, will lead to losses. No ISDA documents.

Community Bank 195

Community Bank Community Compliance CA 195

South State Correspondent

JULY 30, 2023

How should community banks target and compare their ROE to the industry and their peer group, and what defines a top-performing bank? Most importantly, is there an ROE level ensuring a bank remains long-term independent and healthy? Bank ROE Historical Performance Total assets for all FDIC-insured institutions was $23.7T

Community Bank 195

Community Bank Community Capital Policies 195

Abrigo

NOVEMBER 29, 2021

Takeaway 3 Community banks have seen less volatility in noninterest income, and many are still eyeing growth across the category. Community banks target growth. Community banks have seen less volatility in noninterest income over time. Drive growth with integrated risk management. Keep me informed.

Community Bank 195

Community Bank Community FDIC Trends 195

Independent Banker

APRIL 30, 2022

As consumers’ changing preferences prompt community banks to deliver new technologies, here are some of the top trends to keep your eye on. Let’s look at a few of these trends, how community banks can determine if they’re right for them and how to get on board. By Mary Yerkes.

Trends 144

Trends Payments Community Bank Community 144

South State Correspondent

FEBRUARY 12, 2023

The average community bank’s cost of funding is highly correlated to Fed Funds and SOFR (for the industry, the correlation has been 94% with a six-month lag over the last 20 years). We want to highlight this option with a case study.

Community Bank 195

Community Bank Community Case Study Strategy 195

Abrigo

MARCH 2, 2023

Experts have highlighted numerous lessons from Southwest’s experience, many of which can benefit bank and credit union executives, regardless of their institution size, as they manage competing priorities for spending and growth initiatives on banking solutions.

Technology 195

Technology Lending Community Software 195

South State Correspondent

OCTOBER 26, 2023

As can be seen, the conference largely revolved around payments, artificial intelligence, fintech partnerships/management, regulation, and fraud/identity in its various forms. The topics were perfect, and there were some great case studies, but the substance was standard, bordering on underwhelming. Maybe a topic for next year?

Conference 221

Conference Las Vegas Fraud Case Study 221

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

Independent Banker

FEBRUARY 28, 2022

Community bankers, pack your bags for Washington, D.C. 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. By Aaron Stetter, ICBA. Visiting a congressional office in Washington, D.C.,

Community 180

Community Washington Community Bank Capital 180

Abrigo

DECEMBER 17, 2021

Takeaway 3 Many FIs will price-compare vendors, but neglect to consider potential hidden costs , especially when managing multiple vendors. As the saying goes, “the only constant in life is change,” which is certain for the banking industry. Digital Banking Report. Will it make their jobs easier? Will they be more successful?

Fintech 195

Fintech How To Innovation System 195

Abrigo

AUGUST 3, 2015

The ABA’s 2015 Survey of Bank Compliance Officers , conducted February through March 2015, had participation from more than 450 financial institutions, with almost 80 percent being community banks. A recent Forbes commentary, Dodd-Frank, Community Bank Decline, And The Effect On U.S.

Compliance 150

Compliance Community Bank Community Survey 150

ABA Community Banking

MARCH 18, 2019

Bank Performance The Economy Financial Research Feature Financial Trends Technology People Performance Customers Branch Technology/ATMs Tech Management Mobile Online Community Banking Profitability Fintech Feature3.

Study 40

Study Branding ATM Community Bank 40

PYMNTS

MAY 27, 2020

As PYMNTS found in a recent consumer study, 40 percent of individuals are doing more of their daily retail and transactions online, partly because, well, there’s no other way to do it. And that is something that merchants, as well as community banks and credit unions, must be prepared for.”. Call it the great shift.

Mobile 280

Mobile Community Bank Cards Community 280

ABA Community Banking

MAY 16, 2019

Survey reveals continued increase in adoption of automation technology among middle market businesses Financial Research Feature Financial Trends Management Technology Payments Performance Customers Revenue Core Systems Branch Technology/ATMs Outsourcing/Cloud Tech Management Mobile Online Checks/Remote Deposit Capture Cyberfraud/ID Theft Community (..)

Study 40

Study ATM Community Bank Survey 40

ABA Community Banking

DECEMBER 17, 2018

Banks can grow their share of deposits by as much as 16.5% by improving customer experience Bank Performance Deposit Trends Financial Research Human Resources Feature Management Financial Trends Performance Customers Feature3 Retail Banking Community Banking.

Customer Experience 40

Customer Experience Study Community Bank Resources 40

PYMNTS

OCTOBER 6, 2020

Of course, the pandemic has forced banks – like all businesses – to rethink their priorities and make adjustments to how they interface with customers. This new software expands the user experience and expands digital capabilities of ATMs,” said Frank Hauck, president and general manager of NCR Corporation, in a statement. “In

Digital Banking 256

Digital Banking ATM Mobile Atlanta 256

Gonzobanker

APRIL 28, 2016

According to Cornerstone Advisors research , roughly six in 10 community bank and credit union CEOs are concerned with the regulatory burden. My colleagues (shout out to Vincent Hui and Kaleb Seymour ) and I conducted a study for the credit union industry to determine the impact of regulation. Cockroaches.

Regulation 60

Regulation Management Community Bank System 60

Independent Banker

OCTOBER 1, 2022

But as the prevalence of security breaches grows, so do the opportunities for community banks to position themselves as guardians of their customers’ personal data through compliance, technology and relationship building. By Katie Kuehner-Hebert. Data privacy and security is a hot topic and is only getting hotter. Bob Hickok.

Data 91

Data How To Community Bank California 91

ForwardBanker

APRIL 12, 2017

They’ll come from all over the country and internationally, from all walks of life, to study a staggering array of subjects. The post Do Private Student Loans Hold Opportunity for Community Banks? And virtually all of them will have one thing in common: They’ll. appeared first on Deluxe FI.

Community Bank 28

Community Bank Community Study National 28

Abrigo

DECEMBER 2, 2021

Indeed, deposit levels to transaction accounts among community banks exploded 74% to $896.5 31, 2019, and June 3, 2021, according to the Community Banking in the 21st Century report. You can also incorporate the results into the asset/liability management model and develop stress testing scenarios down the road.

Conference 195

Conference San Antonio Lending Fraud 195

Independent Banker

OCTOBER 31, 2021

The CARES Act extended the CECL implementation deadline for many larger community banks until the end of the COVID-19 pandemic. Community bankers tell us that while the extension is welcome, they’re already down the road to implementation. ICBA tells FASB CECL isn’t feasible for community banks. By Stephanie Vozza.

Community Bank 91

Community Bank Community Software New York City 91

Abrigo

MARCH 13, 2023

Stress testing & deposit strategies in the spotlight The failure of Silicon Valley Bank offers other financial institutions the chance to reassess their approaches to and management of interest rate risk, liquidity risk, and credit risk. As more and more money came in from their customers, the levels of concentration risk rose.

Strategy 195

Strategy Lending Security Analysis 195

Independent Banker

DECEMBER 31, 2021

Here’s what community banks need to know about these products and how they can take advantage of this model. A Credit Karma/Qualtrics study found that 34% of those who used these services have fallen behind on one or more payments, and 72% had their credit score lowered. BNPL: The community bank play.

How To 91

How To Community Bank Community Lending 91

ABA Community Banking

FEBRUARY 23, 2018

47 colleges engaged in CSBS community bank case study competition Bank Performance Technology Vendor Management Community Banking.

Case Study 40

Case Study Innovation Community Bank Study 40

Celent Banking

JUNE 22, 2017

Kronos published its 2017 FMSI Teller Line Study. FMSI, acquired by Kronos in 2016, provides cloud-based workforce management (WFM) solutions to small banks and credit unions. One noteworthy item in its 2017 study is the continuous measured decline in average monthly teller transaction volume from 1992 – 2012.

Study 125

Study Community Bank Trends Analysis 125

Abrigo

JANUARY 17, 2023

Customers were used to this bank interface after two rounds of PPP, and then we dropped it like a lead balloon. In my experience, community banks only do what they have to do. With an automated loan management system , there’s no more emailing with document attachments. Download case study. They are: . Whitepaper.

Lending 195

Lending System Customer Experience Case Study 195

Independent Banker

JANUARY 31, 2023

Source: Congressional Management Foundation After COVID changed how we all do business, senators and representatives have expanded their presence across technology by livestreaming on social media, posting Q&As and running email or phone campaigns. Are you trying to raise awareness about a certain policy or bill affecting community banks?

social media 103

social media Meeting Community Community Bank 103

ABA Community Banking

SEPTEMBER 12, 2018

A Guide to Understanding and Engaging Today’s Financial Services Shoppers Management Retail Banking People Customers Community Banking Big Data Case Studies Feature3.

Case Study 40

Case Study Big Data Community Bank Study 40

ABA Community Banking

DECEMBER 27, 2018

A case study in how a bank can help local communities Bank Performance Financial Research Feature Management Technology Feature3 Survival Strategies The Economy Human Resources Financial Trends Duties Lines of Business.

Community 40

Community Case Study Company Community Bank 40

ABA Community Banking

JUNE 7, 2018

Study finds economies of scale, and little match between spending and exam ratings Bank Performance Compliance Compliance Management Community Banking.

Community Bank 40

Community Bank Compliance Study Community 40

Independent Banker

DECEMBER 31, 2022

We recently spoke with community bank CEOs from across the country to gain insights on how they’re proactively positioning to manage risks and take advantage of growth opportunities in the coming year. Following some respite in 2022, community bankers are bracing for a tougher economic landscape ahead in 2023.

Community Bank 91

Community Bank Community Tampa North Carolina 91

PYMNTS

JANUARY 11, 2021

PYMNTS' latest Real-Time Payments Report done in collaboration with The Clearing House looks at the matter through numerous use cases, none more informative than that of New Jersey-based community bank Cross River , with its enthusiastic embrace of real-time payments (RTP). If only enthusiasm were enough. It was quite a bit of work.

Community 169

Community New Jersey Community Bank User Experience 169