Banking Exchange

JANUARY 25, 2023

Biggest regional banks should be held to same standard as the largest national institutions, says ICBA Community Banking Feature3 Feature Retail Banking Compliance Compliance/Regulatory

Community Bank 78

Community Bank Community Compliance Regional 78

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

PYMNTS

JULY 3, 2020

People’s United Bank, which operates across Connecticut, southeastern New York state, Massachusetts, Vermont, Maine and New Hampshire, recently demonstrated the growing interest of community banks to collaborate with FinTechs to expand their product offering — just as larger national and multinational financial institutions (FIs) do.

Regional 214

Regional New Hampshire Tools Vermont 214

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

JULY 7, 2016

Until approximately ten years ago, interest rate loan hedging (using swaps) was prevalent for national and larger regional banks, but most community banks avoided loan hedging for various reasons. In the last ten years, more community banks have started to offer their borrowers some form of loan hedging option.

Community Bank 150

Community Bank Community Regional National 150

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

Abrigo

JANUARY 22, 2015

According to a recent survey from four Federal Reserve Banks, small regional and community banks have the highest approval rate for small business loans. The 2014 Small Business Credit Survey was a joint operation conducted by the Federal Reserve Banks of New York, Atlanta, Cleveland and Philadelphia.

Community Bank 150

Community Bank Community Regional Cleveland 150

PYMNTS

JANUARY 9, 2018

Community banks approved 49 percent of SMB loan applications in November, according to the latest data from the Biz2Credit Small Business Lending Index. Here, again, lies another opportunity for community banks to fill the void. We urge you to make such legislation a priority.”.

Community Bank 131

Community Bank Community Fintech Lending 131

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.”

Marketing 195

Marketing Regional National Nashville 195

Banking Exchange

JANUARY 25, 2021

The two lenders join a growing number of regional banks announcing partnerships to help minority-owned and small businesses Community Banking Feature3 Feature The Economy PPP Covid19.

National 78

National Community Bank Regional Community 78

Banking Exchange

NOVEMBER 24, 2021

Regional and community banks received high ratings from customers, while national banks, and super-regional banks trailed behind Community Banking Feature3 Feature Customers Retail Banking.

Community Bank 88

Community Bank Regional Community National 88

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. This is strong evidence that community banks are pricing to an arbitrary minimum credit spread in this set of loans.

How To 195

How To Community Bank Community Management 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

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

JUNE 27, 2019

Regional banks continue to acquire niche players for scale Community Banking Feature3 Feature Customers M&A.

National 87

National Community Bank Regional Community 87

PYMNTS

SEPTEMBER 24, 2020

smaller community banks and credit unions (CUs) stepped up to the plate and, according to the Small Business Association (SBA), ended up facilitating more than half of PPP loan volume to SMBs. That's good news for community banks and credit unions, which could see a wave of new SMB customers and members in the coming months.

Community 193

Community Community Bank Regional Lending 193

South State Correspondent

FEBRUARY 20, 2022

Community banks refine their products and services to compete for better borrowing relationships – the better borrowing relationships are associated with better credit quality, meaningful cross-sell opportunities, acceptable margins and fee income, and higher return on equity (ROE).

Community Bank 195

Community Bank Community Marketing Regional 195

South State Correspondent

APRIL 10, 2023

Nonetheless, with the recent collapse of sizeable regional banks, regulators, investors, analysts, accountants, and bankers are now scrutinizing the fair value of banks’ securities and loan portfolios. This development should strongly motivate community banks to consider the benefits of loan-level hedging.

Community Bank 195

Community Bank Community Security Capital 195

South State Correspondent

MARCH 5, 2022

Community banks face intense competition for profitable borrowers and relationships. In this current market, swap spreads are negative, and banks that can utilize swap spreads in pricing loans gain a substantial pricing advantage. Conclusion.

Community Bank 195

Community Bank Lending Community Regional 195

Independent Banker

MARCH 31, 2022

Chris Vogt of the Wisconsin Badgers NCAA basketball team presents an anonymous donation to First Kentucky Bank officials. Mayfield and neighboring communities have since received nearly $49 million in federal relief to replace what was lost, in the form of FEMA relief and home and business loans from the Small Business Administration.

Kentucky 163

Kentucky Community Bank Community Wisconsin 163

Jeff For Banks

APRIL 4, 2010

Community banks tout themselves as better than national and regional banks because of how close they are to their communities. But this opinion ignores the generations of history many banks across our great land have built. When the bank opened in 1905, Hallstead was already a thriving community.

Community Bank 60

Community Bank Pennsylvania National Community 60

Independent Banker

MARCH 31, 2022

This Community Banking Month, I invite you to try something new to spread your story. Share a new development, community project or initiative. As community bankers, we know relationships matter. I’m headed to Memphis to meet with our state and regional partners, and then I’ll be engaging with the team at CRA Partners.

Oklahoma City 161

Oklahoma City social media Memphis Community 161

South State Correspondent

MARCH 6, 2023

We argued that community banks should favor 1.40X to 1.50X DSCR credits, as that is the minimum cash flow required to withstand a standard recession. Many national and regional banks incorporate a minimum debt yield ratio as an underwriting criterion. debt yield ratio ($135k divided by $1.5mm).

Community Bank 195

Community Bank Community Lending Regional 195

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

ABA Community Banking

APRIL 1, 2018

First Financial’s Oak Street sub lends to insurance, other verticals Management Lines of Business Community Banking.

Lending 40

Lending Regional National Community Bank 40

PYMNTS

APRIL 16, 2019

Cross-border FinTech efforts have seen increasing participation from central banks and monetary authorities. The banks have also agreed to share data on emerging markets. Deputy Managing Director of MAS Jacqueline Loh said the relationship demonstrates a FinTech that may extend to other countries in the ASEAN region.

Fintech 211

Fintech San Francisco National Innovation 211

Abrigo

NOVEMBER 21, 2014

Now that banks have filed their third quarter financial reports , what did the lending picture look like last quarter? Nationally, the picture is a fine one. banks is up $157 billion from the same period in 2013. bank and credit union, named the “ Top 15 community banks by commercial loan growth.”

Lending 186

Lending South Carolina Miami Community Bank 186

South State Correspondent

MARCH 16, 2022

One element that many commercial banks attempt to differentiate with borrowers is the prepayment provision (or sometimes the lack of one). Many community banks will market their fixed rate loans based on the simplicity of the prepayment provision, and this starts by understanding the value that each provision creates.

How To 195

How To Community Bank Community National 195

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

South State Correspondent

JANUARY 18, 2023

Options For Prepayment Penalties Banks use four standard prepayment provisions for commercial loans. The first is a step-down, and it is by far the most common prepayment provision used by community banks. For example, on a 5-year loan, the bank may charge a 5,4,3,2,1 prepayment.

Community Bank 195

Community Bank Examples Community How To 195

South State Correspondent

SEPTEMBER 20, 2023

National and regional banks control 70% of the cash management market, yet most cash management customers choose their bank because of service. Community banks have an inherent advantage in delivering more personalized service and faster decision-making than national banks.

Management 195

Management Survey Industry Community Bank 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

PYMNTS

MARCH 26, 2020

To regain some of that ground, Connie Davis, senior vice president at FIS , told PYMNTS in a recent interview, FIs — particularly credit unions (CUs) and community banks — must transform the way they think about digital offerings and connected experiences. That means they can compete more effectively against digital-only competitors.

Community 247

Community Community Bank Mobile Cards 247

South State Correspondent

JANUARY 22, 2023

In a previous article ( here ), we discussed why commercial loan prepayment protection would be a critical return on asset (ROA) driver for community banks in 2023. We outlined the four main reasons why prepayment provisions increase profitability for banks. The greater fool theory breaks down in a recession.

Community Bank 195

Community Bank Community Capital Maine 195

PYMNTS

OCTOBER 6, 2020

Demographic issues also skew the evolutionary efforts of the country’s biggest banks, as PYMNTS research shows that while affluent consumers primarily do business with national banks, credit unions and digital banks, lower-income consumers tend to use regional and community banks, or PayPal.

Digital Banking 256

Digital Banking ATM Mobile Atlanta 256