American Banker

FEBRUARY 29, 2016

Bankers in the Bakken Share region of Minnesota and North Dakota are keeping an eye on exposure to hotels, apartments and retail space as economic slowdowns occur in energy producing markets.

Regional 28

Regional North Dakota Minnesota Retail 28

Tech and Finance

JULY 13, 2016

Regional and mid-tier banks face an uphill battle on the digital front, but have advantages they can capitalize on with some focus and determination. Alarm bells are sounding in boardrooms of regional and mid-tier banks across the U.S. Retail Banking Customer Satisfaction Study from J.D. The 2016 U.S.

Regional 28

Regional Mobile Millennials Study 28

PYMNTS

DECEMBER 31, 2020

Ninety-two percent of small FI respondents said they were considering, already offering or in the process of providing real-time payments for consumer retail transactions compared to 80 percent that said the same about commercial use cases.

Payments 168

Payments Resources Survey Examples 168

Independent Banker

APRIL 28, 2016

The Houston region has seen substantial layoffs, and the daily headlines predict more will be announced. In fact, huge expansion projects are now underway across our region. What is HomeTown Bank doing in your marketplace? IB: Tell us about HomeTown Bank. IB: Galveston has a big tourist economy.

Dallas 131

Dallas Texas Houston Community 131

Abrigo

MAY 20, 2015

While many bank and credit unions are consistently updating their financial technology behind the scenes to ensure smooth back-end processes, tech upgrades for consumer-facing products and services are increasingly important to customer satisfaction and retention. For community banks and credit unions, this may be more of a challenge.

Apple 150

Apple Comparison Mobile Innovation 150

Independent Banker

NOVEMBER 24, 2014

We let our actions speak for the bank.” Mark Zaback, Jonah Bank of Wyoming. Under the big Montana sky, Mark Zaback helps lead a community bank with a cowboy code. Western Region Award Recipient. Mark Zaback , Jonah Bank of Wyoming. Bank assets: $280 million. Retail locations: Three. Title: CEO.

Wyoming 94

Wyoming Kansas City Community Bank Community 94

Independent Banker

FEBRUARY 24, 2016

New inspirations, fresh experiences await at ICBA’s national convention. Welcome to the Crescent City, where the largest educational gathering of community bankers convenes this month. It’s Community Banking LIVE 2016 in New Orleans. State/Regional Partners Reception*. Monday, March 7. Concurrent Workshops.

Community Bank 70

Community Bank Community Innovation Customer Experience 70

American Banker

JULY 14, 2016

JPMorgan posted strong gains in consumer deposits and mobile users, and other big banks are expected to do the same. It could be a sign that megabanks are indeed stealing market share from regional and community banks.

Regional 28

Regional Community Bank Community Mobile 28

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

Gonzobanker

DECEMBER 17, 2021

The merger of equals activity in 2021 was sky high, primarily because banks with pinched margins from low rates worked to grabbed scale. From nowhere, sizable regional players are being created. Bank Merger of the Year. Performance and multiples continue to be solid, outperforming most regional banks. You tell us.

Fintech 147

Fintech Strategy Leadership Lending 147

Jeff For Banks

JUNE 11, 2018

So went an informative branch research report put out by my old friend and excellent bank stock analyst, Matt Schultheis of Boenning & Scattergood. At lunch recently, he said that the battle for retail deposits has already been won. Won by the national banks.

Taxes 60

Taxes Compliance Survey National 60

Banking 2020

NOVEMBER 27, 2015

That’s why digital capabilities have revolutionized every industry from retail and healthcare to banking—if the same services can be had from half a world away, and for a lower cost, why not avail of them? Meanwhile, the large regional or national banks are the biggest losers, saying sayonara to 16% in this customer age group.

Millennials 40

Millennials Survey social media Online 40

American Banker

SEPTEMBER 6, 2016

Under pressure from regulators and consumer advocates, brick-and-mortar banks are now offering overdraft-free accounts. But online-only and community banks still have them beat as the type and number of fees associated with big-bank checking have multiplied.

Community Bank 28

Community Bank Community Regulation Online 28

PYMNTS

MARCH 9, 2020

But given the rise of neobanks — FinTechs that are using banking services as the foundation for new ecosystems and Big Tech, which is exploring ways to extend their reach into banking and financial services — we thought we’d go back to first principles and ask consumers that simple question in relation to their primary banking relationship.

How To 232

How To Millennials ATM Fintech 232

South State Correspondent

JANUARY 20, 2023

2022 will go down as one of the worst years for community bank loan mispricing when viewed on a spread basis. Rapidly rising rates crushed performance as many banks held a fixed rate constant and/or booked a fixed rate loan at a misguided level. The result is a credit-skewed portfolio to the negative.

Lending 195

Lending Community Bank Community Data 195

South State Correspondent

FEBRUARY 8, 2023

While national banks are getting more sophisticated, many regional banks still think of just price, giving community banks a considerable advantage. This part of the formula is less complex for a community bank than a regional or national bank and is where community banks can excel.

Community Bank 195

Community Bank Marketing Community Regional 195

South State Correspondent

OCTOBER 28, 2022

During the two weeks, there were over a hundred significant cyberattacks by nation-states on national and regional banks that you could watch unfold in near real-time (bel0w) at Gartner and Money 20/20. Any community bank that believes it can keep up and thwart millions of attacks per second is fooling itself.

Conference 195

Conference Technology Las Vegas Trends 195

American Banker

SEPTEMBER 25, 2016

The highest-ranking female at Fifth Third Bancorp is actually a relative newcomer to banking.

Retail 28

Retail Community Bank Regional National 28

South State Correspondent

MAY 31, 2023

Five: Last Mile Digital Conversions One of the more successful uses of modern branch strategy is to move non-mobile banking customers onto your bank’s mobile platform. The average community bank may have 30% to 50% on mobile, while the national banks are closer to 80%.

Data 195

Data Branch Strategies Strategy Mobile 195

Gonzobanker

DECEMBER 20, 2019

. ————————————————————————— The ‘En Vogue’ Trend of the Year – Credit unions buying community banks. So many miles to go, retail bankers! The Tech Award – Goes to Capital One.

Idaho 148

Idaho Conference Data Marketing 148

Jeff For Banks

DECEMBER 12, 2017

(Nasdaq: OSBC) Old Second is a single-bank holding company headquartered in Aurora, Illinois. The Bank, Old Second National Bank, lost a whopping $156 million in 2009 and 2010. Independent Bank Corporation (Nasdaq: IBCP) Independent Bank dates back to 1864 as the First National Bank of Iona.

Minnesota 60

Minnesota West Virginia Virginia Iowa 60

American Banker

OCTOBER 3, 2016

banks climbed nearly 6% year over year, to $11.3 trillion, even as the total number of banks and branches declined. Total deposits at U.S.

FDIC 49

FDIC Branch Strategies Community Bank Regional 49

American Banker

JANUARY 2, 2017

Is your bank effectively mitigating the risk of 'managing to metrics'? The phony-account scandal at Wells Fargo illustrates how sales quotas can incent bad behavior. Or could it be in danger of becoming a 'cargo cult'?

Management 43

Management Branch Strategies CA Community Bank 43

American Banker

OCTOBER 4, 2016

has agreed to buy a pair of branches from Pacific Western Bank in Beverly Hills, Calif. First Foundation in Irvine, Calif.,

Branch Strategies 48

Branch Strategies CA Community Bank Regional 48

American Banker

MAY 25, 2016

TCF Financial in Minnesota has launched a set of products targeting low-income customers. The company, which has closed a fifth of its branches in recent years, hopes underbanked clients will boost traffic at its remaining locations.

Minnesota 39

Minnesota Company Branch Strategies Community Bank 39

American Banker

DECEMBER 12, 2016

The focus of banks' sales practices should be less about unit-based incentives, and more about developing a full relationship with customers and doing what's in their best interest.

Branch Strategies 28

Branch Strategies Community Bank Regional National 28

American Banker

SEPTEMBER 15, 2016

The scorcher at Wells is giving some community bankers an opening to differentiate themselves from larger institutions that seem fee-dependent or "too big to manage.".

Community 28

Community Management Branch Strategies Community Bank 28

American Banker

SEPTEMBER 12, 2016

Years of branch closures and job cuts are paying off for banks in the form of much-improved efficiency ratios. But with low interest rates still crimping profits, banks remain under pressure to continue reducing expenses.

Branch Strategies 28

Branch Strategies Community Bank Regional National 28

Gonzobanker

DECEMBER 19, 2022

Hats off to Thomas Shara at Lakeland and Tony Labozzetta of Provident for architecting the new $25 billion super-community bank in New Jersey. The Smarter Bank Innovation Award. Goes to Lincoln Savings Bank – Iowa (LSBX). Core System Deal of the Year: Bank. FIS wins Valley National with IBS platform.

Community 216

Community Fintech Industry Innovation 216

Gonzobanker

DECEMBER 22, 2014

Bank Acquisition of the Year - BB&T Corp. Nice community bank culture fit between the two as well. Bank Merger of the Year – California United Bank and 1 st Enterprise Bank in Los Angeles. Retailer of the Year that Caused the Most Project Heartache in Bank I.T. 4 billion dollars ….

Los Angeles 101

Los Angeles Apple Risk Management California 101

Jeff For Banks

APRIL 22, 2018

Consumer spending and retail sales have shown weakness since the fourth quarter of 2017 but we should see improvement. National housing indices continue to rise by +6% on a year-over-year basis and are projected to rise at least +5% during 2018, provided that long term mortgage rates do not spike and cut off demand.

Marketing 60

Marketing Philadelphia social media Taxes 60

Gonzobanker

DECEMBER 19, 2016

Mergerama Region of the Year – The Midwest: Huntington-First Merit, Chemical-Talmer, Old National-Anchor … the list goes on. Or the need to take market share in a slowest growth region? Acquisition of the Year – Guaranty Bank and Trust Company in Colorado for its acquisition of Home State Bank. The take-away?

Utah 60

Utah System Community Marketing 60

Gonzobanker

DECEMBER 19, 2016

Mergerama Region of the Year – The Midwest: Huntington-First Merit, Chemical-Talmer, Old National-Anchor … the list goes on. Or the need to take market share in a slowest growth region? Acquisition of the Year – Guaranty Bank and Trust Company in Colorado for its acquisition of Home State Bank. The take-away?

Utah 60

Utah System Community Marketing 60