Community Community Bank Exercises Lending 
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.
Gonzobanker
MAY 31, 2019
Financial institutions that want to play in the small business lending sandbox need to bring their digital toys. article , former Small Business Administration administrator Karen Mills said community banks with strong small business customer bases that don’t find new ways to serve them digitally are going to face a “reckoning.”
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South State Correspondent
FEBRUARY 22, 2024
Banks consistently produce under their cost of capital. For example, at present, return on equity performance is about 12% for the average community bank. However, for the average bank, their cost of capital is between 9% and 14% depending on the bank’s equity liquidity with an average of 12.5%. Why is that?
Abrigo
JUNE 16, 2016
The new guidance aligns the accounting with the economics of lending by requiring banks and other lending institutions to immediately record the full amount of credit losses that are expected in their loan portfolios, providing investors with better information about those losses on a more timely basis,” FASB Chair Russell G.
Jeff For Banks
DECEMBER 28, 2023
I work for The Kafafian Group, a community bank consulting firm based in Bethlehem, Pennsylvania. Many of my readers might not know what my firm does, so I want to dedicate this post to the problems we help community bankers solve. We offer an online portal where clients can view their reports down to the general ledger level.
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. ? Rethinking branches isn’t a one-size-fits-all exercise. asks Grottke.
Abrigo
MARCH 17, 2022
However, community financial institutions can incorporate the new scenarios for their own stress tests to help determine how their capital levels will fare in severe economic situations. The 2022 stress test scenarios provide a blueprint for community banks and credit unions to get started on their own stress tests.
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