American Banker

DECEMBER 11, 2023

Proposed capital rules aimed at bigger institutions will force regional and larger community banks to consider ways to grow or seek an exit strategy, bankers and analysts predict.

Community Bank 90

Community Bank Regional Capital Community 90

American Banker

NOVEMBER 10, 2023

In its biannual report on supervision and regulation, the Federal Reserve Board noted an uptick in governance issues with large banks. Regional and community banks, meanwhile, were plagued by IT problems and risk management struggles.

Risk Management 90

Risk Management Community Bank Regional Community 90

Gonzobanker

NOVEMBER 26, 2018

Rapid consolidation in the banking industry is creating a growing band of regional banks that find themselves stuck in a solution provider market that isn’t fully capable of serving them. As banks have consolidated, so have the technology partners serving them.

Regional 101

Regional Strategy Technology Innovation 101

Banking Exchange

JULY 15, 2019

Survey also finds fewer than half of bank employees know what conduct and ethics controls are in place Compliance Management Compliance/Regulatory Community Banking Feature3 Financial Research Human Resources Feature Management Compliance.

Regional 68

Regional Compliance Community Bank Resources 68

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

Banking Exchange

APRIL 5, 2020

While regional banks were embracing small business loans, the U.S.

Compliance 78

Compliance Community Bank Regional Lending 78

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. “But

Community Bank 91

Community Bank Community Milwaukee Jacksonville 91

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., Funding Options struck a data-sharing agreement with 20 alternative lenders to make SMB loan applications more efficient, while in the U.S.,

Data 167

Data Lending Regional Fintech 167

South State Correspondent

JANUARY 4, 2023

In addition to these technology-oriented improvements, there are also a variety of process improvements that many banks can make that are cost-free. Moving all customers to digital statements, restructuring compliance reviews and employee onboarding are just some of the more popular efforts that banks are undertaking in 2023.

Community Bank 195

Community Bank Capital Training Lending 195

American Banker

JUNE 27, 2016

Community banks and credit unions would be forced to stop making short-term, small dollar loans if the Consumer Financial Protection Bureau's payday lending proposal is adopted, two trade groups said Monday.

Community Bank 40

Community Bank Community Lending Groups 40

PYMNTS

JULY 16, 2019

Ondot said its 4,000 banks and credit unions will see faster and easier upgrades while also gaining access to the latest innovations and functionality. This option allows mid-sized and smaller issuers to more quickly and easily launch these services and compete with large national banks on digital customer experience.”.

Innovation 128

Innovation Compliance User Experience Cards 128

PYMNTS

JULY 10, 2020

For several years, while state-level legalization has expanded, access to traditional banks remains an issue thanks to their status as federally regulated entities. Today, however, the banking challenge has largely been solved. According to Muller, data is often at the heart of this issue.

Innovation 210

Innovation Payments Tools Compliance 210

PYMNTS

MARCH 11, 2019

With a permissioned blockchain network , services can be shared between credit unions, which could improve identification authentication and compliance surrounding regulations, know your customer, lending and payments. Under the plan, credit union members would be able to access the CULedger via a digital credential dubbed MyCUID.

blockchain 160

blockchain Regulation Community Bank Regional 160

PYMNTS

MAY 22, 2018

A bill that would give regional banks a break on regulation was before the U.S. That change would become effective 18 months after the bill is enacted — though the SIFI designation immediately lift for banks with assets under $100 billion, according to a Height Research report by Ed Groshans, senior vice president at the firm.

Regulation 100

Regulation Regional Community Community Bank 100

Gonzobanker

MAY 17, 2022

For regional and community banks there has never been a more frustrating time to be a buyer versus a builder of financial technology. Community banks, regional players, and credit unions are all in the fight of their lifetime with the need to transform their business. Mandate #3: Build a next-gen I.T.

Technology 145

Technology Regional Community Bank Community 145

Independent Banker

MARCH 15, 2015

The ICBA and community bank campaign to improve those rules has included a comprehensive study on their impact that was released before the CFPB announcement of its proposed changes, which are expected to be formally adopted. Of course, this community bank victory is not the result of just one survey.

Washington 70

Washington Community Bank Community Survey 70

Independent Banker

FEBRUARY 24, 2015

The ICBA and community bank campaign to improve those rules has included a comprehensive study on their impact that was released before the CFPB announcement of its proposed changes, which are expected to be formally adopted. Of course, this community bank victory is not the result of just one survey.

Washington 70

Washington Community Bank Community Survey 70

Independent Banker

JUNE 30, 2022

We asked community bankers and experts for their advice on ensuring employees feel a sense of belonging. If community banks put in the effort to foster a sense of belonging, the result is a stronger workplace culture, greater employee loyalty and, ultimately, a better experience for customers. Misti Stanton, Mercantile Bank.

Community Bank 91

Community Bank Community Leadership Millennials 91

Abrigo

JULY 15, 2015

The transition from compliance to consulting makes sense: tax season is just that, a “season,” and nearly 60 percent of respondents to a Sageworks survey indicated they saw an increase in total revenue by adding financial services to their accounting practice.

Management 150

Management Resources Capital Taxes 150

American Banker

JANUARY 3, 2020

Banks had the highest turnover of chief compliance officers among the 100 largest financial services firms in the world, according to a recent study. Recruiters say that’s a function of changing job demands, high pressure and poaching by fintechs — plus old-fashioned demographics.

Compliance 41

Compliance Study Fintech Community Bank 41

Gonzobanker

JANUARY 17, 2020

California CCPA), it’s hard to imagine just how far techies will be able to upend the nuts and bolts of the banking industry. Community banks and credit unions do not fear each other. Here’s a great question for community bank executives: What would it take for your local competitors to fear you as much as a Top 5 player?

Customer Experience 127

Customer Experience Fintech Regional Cards 127

Jeff For Banks

FEBRUARY 26, 2023

for $234 million for 162% of tangible book when regional targets were selling for 146% of tangible book. To qualify for listing, companies must meet high financial standards, follow best practice corporate governance, demonstrate compliance with U.S. They'll be asked in the community about the bank and its prospects.

Conference 78

Conference CA Arizona Case Study 78

American Banker

JUNE 6, 2023

Bankers and a key government supervisor say the downfalls of multiple regional lenders reminded regulators that traditional M&A is better for the industry than failed-bank-deals.

Regional 69

Regional Regulation Industry Community Bank 69

Jeff For Banks

SEPTEMBER 2, 2019

The slimming of our branch networks, both in number, square footage, and number of staff was used to increase our technology spend, compliance costs, or dropped to the bottom line. Because what I hear in community bank strategy sessions, the branch is an important if not critical portion to an enduring future. Sorry youngster.

Branch Design 68

Branch Design Community Bank Strategy Survey 68

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. GonzoBanker of the Year – Bank. Goes to Eric Sprink, Coastal Community Bank , Everett, Wash.

Fintech 147

Fintech Strategy Leadership Lending 147

American Banker

MAY 19, 2016

A new Labor Department regulation designed to make more American workers eligible for overtime pay stands to add costs and slow hiring at community banks.

Community Bank 45

Community Bank Community Regulation Regional 45

Independent Banker

JULY 31, 2022

Fallout from recent global events presents an obstacle to generating revenue for community banks. It’s certainly an interesting time to be a community bank, but there are still plenty of ways to make efficiencies with an eye on profitability. ? How can they counteract these effects and maximize financial efficiency?

Strategy 135

Strategy Community Bank Louisville Community 135

Jeff For Banks

JUNE 11, 2018

With all of our hubris about how great community banking is compared to national banks, we are not winning market share from them. All comments are my own, as his firm is a broker-dealer which would require a monumental amount of compliance review and disclosures. Edited for your clarity and context. AddingValue ? ?

Taxes 60

Taxes Compliance Survey National 60

PYMNTS

DECEMBER 14, 2017

It is important to note that 214 banks, excluding the top 25, participated in the Bank Innovation Readiness Index survey. These comprised regional banks, smaller commercial banks, community banks and credit unions, the majority having assets between $500 million and $5 billion. Methodology.

Innovation 162

Innovation Branding Payments Survey 162

American Banker

MARCH 21, 2016

A dozen banks from Arkansas to Virginia are nearing $10 billion in assets, where they will face higher compliance costs and caps on interchange fees. Mergers among those institutions could create a new class of regional bank.

Arkansas 28

Arkansas Virginia Regional Compliance 28

American Banker

JULY 26, 2016

The combination of higher regulatory expenses andreduced income from interchange fees is taking a toll on the profitability of banks with $10 billion to $50 billion of assets.

Regional 28

Regional Community Bank National Community 28

Fintech Labs Insights

SEPTEMBER 12, 2016

CU Wallet, a Los Angeles-based provider of white-label digital wallet solutions for regional and community FIs, has picked Finovate Best of Show winner AnchorID to provide multi-factor authentication. The technology integrates readily with Microsoft Active Directory and Azure, Linux, LDAP, and SAML.

Los Angeles 12

Los Angeles New York Regional Community 12

American Banker

MAY 26, 2016

Large enough to meet the needs of most customers yet small enough to escape some of the Dodd-Frank Act's most onerous compliance expenses, banks with assets of $2 billion to $10 billion are more profitable, as a group, than their smaller and larger counterparts, according to an analysis by Capital Performance Group.

Analysis 50

Analysis Compliance Groups Meeting 50

PYMNTS

DECEMBER 14, 2017

214 | The number of banks surveyed in the PYMNTS Bank Innovation Readiness Index, in collaboration with payments solutions provider i2c. It also included banks outside this profile and represents a broad range of FIs reflective of the market.

Bitcoin 122

Bitcoin Data Compliance Survey 122

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

NOVEMBER 2, 2016

Consumer compliance is already an important issue for regulators. Banks that seek deal approval should make sure their cross-sale and incentives policies – along with those of their targets – are run properly.

Policies 28

Policies Compliance Regulation Community Bank 28

American Banker

NOVEMBER 17, 2016

Banks already have a difficult time collecting data on mortgage lending to minorities. New data requirements scheduled to take effect in early 2018 could lead to even more mistakes — and financial penalties — not to mention higher compliance costs and longer delays in closing loans.

Data 28

Data Compliance Lending Community Bank 28