Community Bank, Regional, Risk Management and Tools

Loan Hedging for Community Banks in 2024

South State Correspondent

JANUARY 10, 2024

Community banks’ use of swaps (banks’ primary tool to hedge interest rate risk on loans) has increased substantially over the last ten years. Meanwhile, community banks face net interest margin (NIM) and fee income pressure. Only 304 banks (or 6.7% of the total) used swaps directly.

Community Bank

Community Bank Community National Regional

If You Are Tired of Being Transactional, You Need A Hedge Program

South State Correspondent

APRIL 30, 2024

An inverted yield curve, continued bank failures, and the desire to manage risk and offer clients higher service are all factors that are driving more community banks to adopt a loan hedge program. Community banks do this profitably by turning transactional accounts into relationships.

Community Bank

Community Bank FDIC Community National

If You Are Tired of Being Transactional, You Need A Hedge Program

South State Correspondent

APRIL 30, 2024

An inverted yield curve, continued bank failures, and the desire to manage risk and offer clients higher service are all factors that are driving more community banks to adopt a loan hedge program. Community banks do this profitably by turning transactional accounts into relationships.

Community Bank

Community Bank FDIC Community National

Webinars

Elevating Accounting Practices: The Power of Outsourcing and Automation in the Digital Age

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Why You Need To Use Funds Transfer Pricing in Banking

South State Correspondent

OCTOBER 10, 2022

Funds transfer pricing (FTP) has been an essential tool for financial institutions for several decades. FTP was introduced to banks in the early 1980s to help manage interest rate risk on a transactional basis. Ultimately, the banker lost the $2.1mm commercial loan to another community bank by almost 90 bps spread.

Community Bank

Community Bank Community Examples Management

Fair Value Accounting for Loans

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

Community Bank Community Security Capital

Open Banking Expands Into SMB Lending, Smaller Banks

PYMNTS

MARCH 12, 2020

Equiniti Eyes APIs for Risk Management. Equiniti Group recently revealed its adoption of Codat’s accounting integration API for its Equiniti Riskfactor solution, a tie-up that will see Equiniti’s risk management operations embrace API technology to promote automatic data sharing from small businesses.

Lending

Lending Risk Management Fintech Community

Data Sharing, XaaS Target SMB Financing Efficiencies

PYMNTS

APRIL 16, 2020

This week’s look at the latest in bank-FinTech collaborations and open banking initiatives finds a focus on small business lending: In the U.K., Deloitte, Unqork, Plaid Debut Lending-as-a-Service Tool. Plaid is unlocking payroll data to ease access to federal financing. Funding Options Unlocks Data Across 20 Lenders.

Data

Data Lending Regional Fintech

FTP – Another Bank Failure and Another Learning Opportunity

South State Correspondent

MAY 3, 2023

Bank executives that measure and manage the balance sheet based on the fair value of assets and liabilities invariable will change risk behavior, compensation structures, and capital allocation for the long-term benefit of shareholders. FTP may have prevented the demise of First Republic Bank.

Lending

Lending Capital Management Tools

FTP – Another Bank Failure and Another Learning Opportunity

South State Correspondent

MAY 2, 2023

Bank executives that measure and manage the balance sheet based on the fair value of assets and liabilities invariable will change risk behavior, compensation structures, and capital allocation for the long-term benefit of shareholders. FTP may have prevented the demise of First Republic Bank.

Lending

Lending Capital Management Tools

FTP – Another Bank Failure and Another Learning Opportunity

South State Correspondent

MAY 2, 2023

Bank executives that measure and manage the balance sheet based on the fair value of assets and liabilities invariable will change risk behavior, compensation structures, and capital allocation for the long-term benefit of shareholders. FTP may have prevented the demise of First Republic Bank.

Lending

Lending Capital Management Tools

Duly Authorized

Independent Banker

NOVEMBER 24, 2015

With wire fraud on the rise, community banks have to step up precautions to protect themselves and their customers. They have the money and, in theory, they are vulnerable,” adds Terri Sands, director of payments and fraud prevention for State Bank & Trust in Atlanta, a $3.3 billion-asset community bank.

Community Bank

Community Bank Fraud Atlanta Community

Preparing for the Unpredictable

Gonzobanker

MARCH 23, 2020

Cornerstone Advisors has been a broken record telling the story of a community banking industry that’s falling behind in online and mobile capabilities. Our long novels about slowly losing ground to the mega banks just became an audio book to be played on high speed while walking between the kitchen and home office to refill on coffee.

Community Bank

Community Bank Tools Case Study Online

Banks should know these 5 Traits of Millennial business owners

Abrigo

AUGUST 1, 2016

Banks are critical financing partners for growing enterprises. Eight in 10 business owners report that a major, regional or community bank is their main financing partner for capital. After all, most of the nearly 29 million businesses in the U.S. are small businesses – a trend unlikely to shift much in the coming years.

Millennials

Millennials Survey Risk Management Groups

Can Big Data Help Bankers Avoid Another CRE Debacle?

American Banker

AUGUST 8, 2016

Under pressure from regulators to beef up risk management in commercial real estate lending, banks are using new software tools to improve analysis.

Big Data

Big Data Risk Management Data Analysis

2021 GonzoBanker Awards

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

Fintech Strategy Leadership Lending

Why boosting your check fraud prevention is worth the effort

Abrigo

FEBRUARY 6, 2024

Takeaway 2 Community banks may face challenges seeking reimbursement for breach of warranty claims filed with other FIs. Takeaway 3 Banks and credit unions should leverage new tools to improve check fraud prevention that can ease the burden on their staff and safeguard customers.

Fraud

Fraud Training Trends Regional

The Current Banking Crisis – 10 Not So Apparent Lessons

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.

social media

social media FDIC Branding Management

The 2019 GonzoBanker Awards

Gonzobanker

DECEMBER 20, 2019

. ————————————————————————— The ‘En Vogue’ Trend of the Year – Credit unions buying community banks. Might be time to. Well done, sir! Congrats to the DNA team for this huge win.

Idaho

Idaho Conference Data Marketing

The 2023 GonzoBanker Awards

Gonzobanker

DECEMBER 14, 2023

Not the financial industry’s “Troublemakers ” – those regional and community banks, credit unions and supporting fintech entrepreneurs who continue to engage customers and communities and find niches that keep the grassroots of our country’s financial system alive and kicking. billion bank in the Mid-Atlantic region.

Fintech

Fintech Community Regional Technology

THE 16TH ANNUAL GONZOBANKER AWARDS

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. Is it in the water?

Utah

Utah System Community Marketing

THE 16TH ANNUAL GONZOBANKER AWARDS

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. Is it in the water?

Utah

Utah System Community Marketing

Community Banking Brief

Loan Hedging for Community Banks in 2024

If You Are Tired of Being Transactional, You Need A Hedge Program

Webinars

Trending Sources

If You Are Tired of Being Transactional, You Need A Hedge Program

Webinars

Why You Need To Use Funds Transfer Pricing in Banking

Fair Value Accounting for Loans

Open Banking Expands Into SMB Lending, Smaller Banks

Data Sharing, XaaS Target SMB Financing Efficiencies

FTP – Another Bank Failure and Another Learning Opportunity

FTP – Another Bank Failure and Another Learning Opportunity

FTP – Another Bank Failure and Another Learning Opportunity

Duly Authorized

Preparing for the Unpredictable

Banks should know these 5 Traits of Millennial business owners

Can Big Data Help Bankers Avoid Another CRE Debacle?

2021 GonzoBanker Awards

Why boosting your check fraud prevention is worth the effort

The Current Banking Crisis – 10 Not So Apparent Lessons

The 2019 GonzoBanker Awards

The 2023 GonzoBanker Awards

THE 16TH ANNUAL GONZOBANKER AWARDS

THE 16TH ANNUAL GONZOBANKER AWARDS

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