South State Correspondent

AUGUST 21, 2023

That publication was referenced in the media as a US bank rating action, with a downgrade to ten larger banks (and a negative outlook to 11 other larger banks). However, that publication, directly and indirectly, identified three discrete risks affecting community banks.

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Community Bank Community Capital Analysis 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.

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How To Community Bank Community FDIC 195

South State Correspondent

JULY 10, 2023

One possible solution to this dichotomy is for banks to offer interest rate swaps to hedge individual loans. This article will review domestic banks’ adoption of interest rate swaps. Next week’s article will consider the challenges and possible solutions for community banks to adopt loan hedging programs.

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Community Bank Community Tools Management 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.

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Community Bank Community Analysis Industry 195

Independent Banker

AUGUST 31, 2022

This month’s Independent Banker focuses on budgeting issues with a special emphasis on the ICBA National Community Bank Service Awards. Inherent to our business model is a passion to support our communities, one that allows for flexibility to meet the individual needs of our customers. Photo by Chris Williams.

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Community Bank Honolulu Community Georgia 163

Independent Banker

MARCH 31, 2022

My bank’s tagline is ‘Where dreams meet solutions,’ and it serves as my guiding inspiration at the bank and, now, at the national level. As community bankers, our customers depend on us to keep their dreams alive. Thankfully, that glass-half-full attitude comes naturally for community bankers. Innovation.

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Community Community Bank National Meeting 182

The Paypers

APRIL 21, 2022

Digital banking solutions provider Apiture has announced that US-based community bank Ephrata National Bank (ENB) , has selected its platform to power its online and mobile banking solutions, according to IBS Intelligence.

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National Community Bank Community Digital Banking 34

Independent Banker

FEBRUARY 28, 2023

Derek Williams, president and CEO of Century Bank & Trust in Milledgeville, Ga., wanted to be a financier before finding his way to community banking. He has served as president and CEO of $365 million-asset Century Bank & Trust in Milledgeville, Ga., now part of Bank of America, before moving to Griffin, Ga.,

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Community Community Bank Georgia San Antonio 172

Independent Banker

JUNE 30, 2020

At times in our country, true independence has arisen from points of crisis—critical moments in time that require us to listen and reflect. Just think about the foundation of our nation so many years ago. A crescendo of events drove actions that ultimately led to the birth of a new nation. Where I’ll be this month.

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Community Bank Community social media National 184

Independent Banker

MARCH 31, 2022

Executive committee members tell us what advocacy issues they’ll be focused on during their terms, while board members share their words of wisdom for up-and-coming community bankers: themselves. To sum it up, these leaders are all in and all heart for community banking. By Molly Bennett. Covington, Ind.

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Community Bank Community Industry Texas 239

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).

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Community Bank Community Marketing Regional 195

Independent Banker

FEBRUARY 28, 2023

I will continue to advocate for community banking, and for the rest of my career, stand side by side with you to fight our future battles. The work you’re doing every day puts real faces and names to the communities we’re fighting for, and it has been a privilege to be your representative at the national level.

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Community Bank Community Maine Industry 175

Banking 2020

SEPTEMBER 16, 2014

Sageworks recently ranked more than 6,600 banks in the United States to find the 15 best-run community banks. banks and credit unions. Notably, small community banks took a large portion of the list with two-thirds of banks listed having less than $500 million in assets. Did you make the list?

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Community Bank Community United States Texas 78

PYMNTS

DECEMBER 7, 2018

Community Bank of the Bay. Community First Credit Union (OH). Evans Bank. Federated Bank. First Bank of Boaz. First National Bank of Milaca. Grand Savings Bank. Greater Cleveland Community Credit Union. Greenleaf Wayside Bank. Hometown Community Banks.

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Google Mobile Cleveland Iowa 130

Jeff For Banks

JULY 6, 2013

Why don''t we play a critical role in solving the nation''s retirement problem? I recently read a report by the US Senate Committee on Health, Education, Labor and Pensions titled The Retirement Crisis and a Plan to Solve It , led by Senator Tom Harkin (D: Iowa). This is a continuing theme with the US Government. that reads.

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Community Bank Community National Iowa 108

Independent Banker

DECEMBER 31, 2021

To satisfy the banking needs of some commercial and high-net-worth clients, some community banks provide trust and tax strategy services. These banks report that specialized services are a way to deepen their already close customer relationships. United Community Bank in Mount Sterling, Ill., By Don Sadler.

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Taxes Community Bank Community Strategy 91

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.

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Community Bank Pennsylvania National Community 60

Long Lasting Ideas

OCTOBER 16, 2017

For those of us of a certain age, cryptocurrencies like bitcoin and others seem like a shadowy mystery figure in a 1940’s film noir classic. Continue reading An abundance of caution: Cryptocurrency and Community Banks at Bank Marketing Strategy + Ideas. So it was for me, until cryptocurrency came home.

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Community Bank cryptocurrency Community Bitcoin 40

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.”.

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Regional Community Bank America Community 181

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. It’s about taking that next step to communicate how we engage. Share a new development, community project or initiative.

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Oklahoma City social media Memphis Community 161

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.

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Community Bank Community National Fresno 196

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.

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Community Bank Community Montana Taxes 172

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).

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Community Bank Community Lending 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.

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Kentucky Community Bank Community Wisconsin 163

Independent Banker

AUGUST 31, 2022

Daniel Galindo, pictured, and Doug Schaeffer of Woodforest National Bank helped involve the community bank in providing funding for and access to affordable housing. Name: Woodforest National Bank. Doug Schaeffer, Woodforest National Bank. Doug Schaeffer, Woodforest National Bank.

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Austin Texas Community National 91

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. In one example, the Singapore FinTech Association inked a pact with FinTech Australia to further the development of FinTech across those nations.

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Fintech San Francisco National Innovation 211

Independent Banker

FEBRUARY 28, 2021

Our marketing efforts as community banks often center on the stories we tell, and they resonate because they unveil the beauty of our joint community experience. Yet, to be retained, stories have to trigger us to remember them; they have to elicit an emotional response. In short, stories from the heart stick with us.

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Community Bank Community US National 91

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.

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How To Community Bank Community National 195

Independent Banker

NOVEMBER 30, 2021

“Our mission as a CDFI, obviously, is serving low-income census tracts, as well as [helping] the population who haven’t been historically included in the banking world,” he says. Our nonprofit helps us to meet that goal.”. When the Paycheck Protection Program (PPP) began, the community bank was in luck.

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Colorado Community Bank Community New Mexico 119

Independent Banker

AUGUST 31, 2020

Bolstered by the unfailing dedication of community banks, our communities will continue to weather the storm. In response to the ongoing impact of COVID-19, community bankers will continue to unfailingly support and lift up our nation’s communities. What you need to know.

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Community Community Bank Leadership Conference 119

Independent Banker

SEPTEMBER 30, 2021

Changing customer banking habits means it’s more important than ever for community banks to use every tool at their disposal. Community banks may have longstanding relationships with their core vendors, but that doesn’t always mean they keep up to date on all the latest features and functionalities.

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Community Bank Community Milwaukee Jacksonville 91

Independent Banker

JULY 2, 2022

It may be celebrating its 150th anniversary, but First National Bank of Fort Smith didn’t want presents this year. billion-asset The First National Bank of Fort Smith (FNB) was founded on Feb. In 2019, the community bank was a partial sponsor of the $2.25 Sicard, The First National Bank of Fort Smith.

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Arkansas Community Community Bank National 91

PYMNTS

FEBRUARY 25, 2019

The Conference of State Bank Supervisors (CSBS) said earlier this month that it had put in place a set of action items to standardize the national experience of FinTechs and non-bank entities. Our FinTech industry advisory panel did include a few community banks. This is an area that we are studying.”.

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Regulation Fintech Community Bank Community 147

Independent Banker

JANUARY 31, 2022

Ken Finley, president of Johnson City Bank, in downtown Johnson City with Shannon Sultemeier, executive vice president (left); and Brenda Haynes, vice president/cashier (right). Here’s how four community banks are thriving in this environment. Photo by Dennis Burnett. By Mindy Charski.

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Texas San Antonio Community Bank Community 182

South State Correspondent

APRIL 12, 2022

As usual, it was full of insight that every community banker should consider. Our focus is on information that pertains to the community banking industry. The bank aims to be a responsible citizen at the local level in every community where it lends and takes deposits. 1) The Fed May Hike More Than Expected.

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Community Community Bank Leadership Lending 195

Independent Banker

AUGUST 31, 2021

It’s our responsibility to help make our communities better places to live, to help pull people out of poverty and address issues they’re facing. When I consider what differentiates us as community bankers, I’m immediately drawn to the legacy of good we create. Every community banker has these powerful narratives to share.

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Community Bank Community social media National 91

South State Correspondent

DECEMBER 8, 2023

The real reason that this conference makes our favorites list is that this is one of the few conferences where we can learn what the largest and most progressive banks are doing in the market. We sat through almost every presentation and took pages of notes.

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Conference Retail Community Bank Technology 195