PYMNTS

NOVEMBER 17, 2017

Think of banking and you might think of lending and deposits, where firms make money on the spread between what they pay savers and what they take in from borrowers. But banks cannot live on interest alone. Additional financial products and services must round out traditional banking activities.

Community Bank 115

Community Bank Community Cards Lending 115

PYMNTS

JANUARY 11, 2021

PYMNTS' latest Real-Time Payments Report done in collaboration with The Clearing House looks at the matter through numerous use cases, none more informative than that of New Jersey-based community bank Cross River , with its enthusiastic embrace of real-time payments (RTP). If only enthusiasm were enough. It was quite a bit of work.

Community 169

Community New Jersey Community Bank User Experience 169

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

APRIL 3, 2023

Empirical evidence, historical bank failures, and common sense teach us that many risks do not translate to higher yields. The second article compared and contrasted community banks’ pay-for-risk and relationship business models. Top-performing community banks deploy relationship banking.

Community Bank 195

Community Bank Community Lending Marketing 195

PYMNTS

MAY 27, 2020

But as Good explained, the definition of contactless needs to expand as firms re-examine their digital strategies. Things are definitely shifting toward digital,” Good said. And that is something that merchants, as well as community banks and credit unions, must be prepared for.”. Getting Prepared.

Mobile 280

Mobile Community Bank Cards Community 280

South State Correspondent

AUGUST 22, 2023

The opportunity for the product is that for an average community bank, 83% of their commercial, non-profit, and municipal customers are NOT using treasury management services. This likely creates the most significant single profitability lift for any bank. Part of this equation is being clear on your bank’s goals.

Management 195

Management Community Bank Survey Community 195

Independent Banker

NOVEMBER 30, 2021

Experts say community banks can use education, biometrics and solid cybersecurity practices to fight this growing area of crime. Say a scammer calls a community bank customer and gains their trust by using information obtained from a major data breach. By Elizabeth Judd. Examples of remote authentication fraud.

Fraud 160

Fraud Strategy Community Bank New York City 160

Abrigo

OCTOBER 6, 2017

On September 27, the Board of Governors of the Federal Reserve System, the Federal Deposit Insurance Corporation and the Office of the Comptroller of the Currency released a Community Bank Summary entitled Proposed Simplification to the Capital Rule Pursuant to the Economic Growth and Regulatory Paperwork Reduction Act of 1996.

Regulation 150

Regulation Risk Management Community Bank Community 150

Independent Banker

SEPTEMBER 30, 2021

We know that despite the frights cyberattacks bring, you continue to flourish by safeguarding the communities you serve. After all, the rapid rise in fraud during the pandemic would spook anyone and definitely keeps community bankers up at night, which is why meaningful monitoring and action continue to be necessary.

Resources 131

Resources Community Community Bank Leadership 131

ABA Community Banking

MAY 16, 2016

Part 2 of series: Get to know the lingo of this critical new science Technology HowTo Community Banking Big Data.

Analytics 66

Analytics Big Data Community Bank Community 66

Independent Banker

JANUARY 31, 2022

These community banks are working to fix that through microlending programs. Now, some community banks are launching microlending programs to redress the balance. That realization sparked the idea at Summit Bank to create a microloan program that would target underserved groups in its communities.

Lending 150

Lending Community Community Bank Compliance 150

PYMNTS

FEBRUARY 25, 2019

In an interview with PYMNTS conducted over email, CSBS Senior Vice President and Deputy General Counsel Margaret Liu said that the common concerns among the 33 FinTechs that were part of the panel focus on “creating more uniformity throughout the state system in definitions, disclosures, timelines, licensed activities and exemptions.

Regulation 147

Regulation Fintech Community Bank Community 147

Independent Banker

OCTOBER 1, 2022

But as the prevalence of security breaches grows, so do the opportunities for community banks to position themselves as guardians of their customers’ personal data through compliance, technology and relationship building. Shielding sensitive customer information from prying eyes remains a chronic industry challenge. Bob Hickok.

Data 91

Data How To Community Bank California 91

Independent Banker

OCTOBER 31, 2021

Community bankers tell us why. First State Bank & Trust in Williston, N.D., started developing its digital lending platform about three years ago—and the bank is really glad it did. “I’m Chris Jundt, First State Bank & Trust. Community banks have really propelled themselves into this journey in a fantastic way.

Lending 91

Lending Community Bank Community North Dakota 91

PYMNTS

APRIL 13, 2020

The definition of a bank was more or less unchanged for centuries. Then, within a matter of a few years, the old definitions have become more of a starting place than a final destination. Examining sentiments around banks, PYMNTS polled nearly 1,300 U.S. Definitions Are Changing. The question “what is a bank?”

Digital Banking 154

Digital Banking ATM Community Bank Survey 154

South State Correspondent

DECEMBER 8, 2023

We asked ten banks how they define small business and where it reports and got different answers. Where there is no correct answer, the takeaway was that the most successful banks have a clearly communicated definition and often meet with their retail, commercial, and specialty counterparts to manage issues and conflicts.

Conference 195

Conference Retail Community Bank Technology 195

Independent Banker

APRIL 30, 2022

While most of Alpine Bank’s in-lobby “shops” are carried out here at its Glenwood Springs branch, the program also has an online element. It’s no secret why Alpine Bank’s mystery shopper program has helped the community bank meet and exceed customer expectations over the past two decades. Name: Alpine Bank.

Community Bank 91

Community Bank Community Illinois Online 91

Independent Banker

NOVEMBER 30, 2021

Here’s another conversation with our consummate community banker. Hi Jim, this is Charlie Brown with Community Trust Bank. How are things at the community bank?”. “I Most community bankers I know don’t like to admit defeat. Quarterly bank industry update. By Jim Reber, ICBA Securities. 9 at 10 a.m.

Community 126

Community Community Bank Taxes Security 126

Independent Banker

FEBRUARY 28, 2022

What it means for community banks is clear. Throughout the near future, similar market volatility and uncertainty is likely to plague mortgage lenders, calling on community bank leaders to develop new strategies to aging challenges. Developing leaders in mortgage lending.

Leadership 91

Leadership Strategy Lending Community Bank 91

Jeff For Banks

FEBRUARY 12, 2024

Perry's perspective is clearly focused on shareholder value and may be viewed as shareholder primacy, a sometimes derogatory term because pursuing shareholder value could be done at the expense of other stakeholders, such as employees, customers, and communities. i.e. not at the expense of stakeholders. I will highlight $QCRH and $CFBK.

Columbus 106

Columbus Indianapolis Capital Community Bank 106

Independent Banker

OCTOBER 31, 2021

Measuring the success of your community bank’s campaigns can lead to greater ROI, increased conversion rates and a game plan for future initiatives. From mailers and e-newsletters to social media posts and events, there are countless ways to spread the word about your community bank and its offerings. By Taylor Hugo.

Marketing 91

Marketing social media Video Community 91

Abrigo

AUGUST 26, 2019

The community bank model is built around customer service, but for many bank and credit union customers, the definition of “good service” has been changing over the last couple of decades. To learn more about the other lending and credit risk topics during the conference, see the agenda.

Conference 150

Conference Lending Oklahoma Alabama 150

Independent Banker

FEBRUARY 28, 2023

By Jim Reber, ICBA Securities As many community bankers are still picking up the pieces from their bond portfolio’s meltdown last year, it occurs to me that the breathtaking rise in rates has created at least one byproduct that is both unusual in frequency and tangibly beneficial for future performance. One is that they are loan surrogates.

Community Bank 91

Community Bank Memphis Community Security 91

PYMNTS

JUNE 20, 2018

It’s in this industry climate that smaller, community banks see an opportunity, and competition is quickly heating up to fill the gaps in micro-business banking. They make the engine run,” said Mike Butler, CEO of community FI Radius Bank. “We tend to overthink it.”

Community Bank 101

Community Bank Community Fintech Survey 101

Abrigo

MAY 8, 2024

A more precise definition of generative AI is included in the Biden Administration’s recent Executive Order , which defines generative AI as “the class of AI models that emulate the structure and characteristics of input data in order to generate derived synthetic content.

Examples 221

Examples Fraud Resources Risk Management 221

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. Alternatively, ICBA also urged the CFPB to expand its “small creditor” and “rural” definitions.

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. Alternatively, ICBA also urged the CFPB to expand its “small creditor” and “rural” definitions.

Washington 70

Washington Community Bank Community Survey 70

Independent Banker

SEPTEMBER 21, 2015

Under the right circumstances, providing residential mortgages that fall outside of the new federal Qualified Mortgage definition could help a community bank grow its lending, some community bankers say. a $613 million-asset community bank serving central and northern Wisconsin that engages in non-QM lending.

Community Bank 70

Community Bank Lending Community Survey 70

Jeff For Banks

FEBRUARY 17, 2021

Yesterday at the ABA's virtual Conference for Community Bankers (CCB), Federal Reserve Governor Michelle Bowman gave a speech, My Perspective on Bank Regulation and Supervision. Up-to-date geographic market definitions are available at the St. Louis' Fed CASSIDI database or from the relevant Reserve Bank.

St. Louis 78

St. Louis Analysis Community Bank Community 78

Independent Banker

JANUARY 13, 2016

As I’ve said time and again, having a place at the policymaking table in Washington isn’t simply important for community banks—it’s essential. As I’ve also repeatedly assured, ICBA will always pursue and protect the interests of community banks, and only the interests of community banks, with unsparing energy and action—and we do.

Community Bank 70

Community Bank Community Washington Policies 70

Abrigo

SEPTEMBER 14, 2022

2) To enable communities, governmental entities, and creditors to identify business and community development needs and opportunities of women-owned, minority-owned, and small businesses. In fact, it took a lawsuit initiated by a California community group in 2019 to get things moving. Those implementing regulations were coming.

Lending 195

Lending Data Regulation Community 195

Independent Banker

OCTOBER 24, 2016

Specifically, on behalf of community banks nationwide, the association has asked a federal court to invalidate the NCUA’s member business lending rules set to take effect in January. Community bankers know firsthand the NCUA’s longstanding reputation for bureaucratic featherbedding rather than impartial regulation.

Community Bank 70

Community Bank Community Lending Regulation 70

Independent Banker

DECEMBER 29, 2015

Community bankers offer real-world reasons for more Basel III relief. Nearly one year after the Basel III capital rules went into effect, community bankers say that now recognize just how much more complex and how much more difficult this new set of capital rules will make life and business for them if they remain in place.

Community Bank 70

Community Bank Community Capital Lending 70

South State Correspondent

DECEMBER 5, 2023

While individual commercial loans are priced non-uniformly depending on credit quality, loan size, cross-sell opportunity and overall relationship, the curve below assumes a $1mm, bankable credit, with the current average community bank credit spread of 2.41%.

Lending 195

Lending Marketing Capital Community Bank 195

Independent Banker

SEPTEMBER 21, 2015

imberly Anderson, senior vice president and chief administrative officer of Cañon National Bank in southern Colorado, became her community bank’s loan compliance officer in 2003. In early 2004, examiners visited her $253 million-asset bank, an experience that revealed a need—someone with a stronger compliance background.

Compliance 70

Compliance Community Bank Community Training 70

PYMNTS

JANUARY 31, 2019

is set to see its first new community bank in decades, as the Federal Deposit Insurance Corporation (FDIC) lent its approval for MOXY Bank to launch in Washington, D.C. With clearance to move forward with its plans, the community banking landscape will see its first new industry player in years.

Community Bank 122

Community Bank Community FDIC Marketing 122

CFPB Monitor

MARCH 30, 2020

Section 4012 – Temporary Relief For Community Banks. Section 4012 of the CARES Act provides temporary relief to financial institutions that elected to be subject to the Community Bank Leverage Ratio pursuant to the Economic Growth, Regulatory Relief, and Consumer Protection Act (EGRRCPA).

Regulation 122

Regulation United States Community Bank National 122