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.

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Independent Banker

MAY 31, 2022

Community banks have a choice about addressing the problem: Remain vulnerable or be vigilant. Fraud and cybercrimes continue to increase, causing challenges for community banks. But there’s plenty community banks can do to meet this challenge. Here are some ideas for strengthening fraud defenses.

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Community Bank Community Fraud Texas 134

South State Correspondent

FEBRUARY 20, 2023

Community bankers need to understand their competitive landscape. Who the competition is, what the lending competition is offering, their delivery channels, and service levels can help community banks differentiate their services and enhance their competitive advantage.

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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. How Your Hedge Provider Can Be Relational . Why Community Banks Use Loan-Level Hedging.

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How To Community Bank Community FDIC 195

Independent Banker

DECEMBER 31, 2021

Independent Banker ’s annual Community Bank CEO Outlook survey reveals how community bank leaders plan to leverage today’s deposit-laden banking environment to grow this year. How long is your to-do list? Janet Silveria, Community Bank of Santa Maria. By Katie Kuehner-Hebert.

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Community Bank Community Lending Louisiana 144

Independent Banker

JANUARY 31, 2023

Community bankers and industry experts share how to best put this data to use. By Colleen Morrison Data is the new currency for Big Tech, business, banking and beyond. Knowing what transactions are being performed and how your customers are performing them is invaluable information.” The results?

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Community Bank Community Trends Payments 91

Abrigo

MAY 8, 2015

In recent months, the momentum around reducing the regulatory burden on the nation’s community banks has continued to gain steam. There are more than 6,000 banks and thrifts under $10 billion in assets and they are often less equipped to deal with complexities brought by additional regulations.

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South State Correspondent

OCTOBER 17, 2022

In a previous article ( HERE ), we discussed the concept of Funds Transfer Pricing (FTP), why systemically important banks and large regional banks incorporate FTP, and why community banks should also consider implementing FTP. bank about loan pricing. FTP Attribution – A Specific Loan Example.

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How To Community Bank Community Capital 195

The Emmerich Group

JANUARY 20, 2022

And let’s also talk about how to make sure that you’re successfully managing some of these banking trends. Banking Trend Number One. The post Community Banking Trends for 2022 appeared first on Roxanne Emmerich. So, let’s talk about some of the many things that are happening. Continue Reading.

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Banking Trends Community Bank Trends Community 68

South State Correspondent

SEPTEMBER 20, 2023

The treasury or cash management customer is usually a bank’s most profitable customer on a risk-adjusted basis ( HERE ). In this article, we discuss cash management profitability and rank the most profitable industries for banks to go after. Cash flow stability is also a factor in cash management profitability.

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Management Survey Industry Community Bank 195

Gonzobanker

FEBRUARY 8, 2023

Community Banks as Venture Capitalists In fact, not all providers of venture capital are venture capitalists. Increasingly, banks are filling the void created by VCs. Among community banks investing in fintech startups, the average investment was nearly $3 million per bank in 2022. billion in 2021.

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Community Bank Community Fintech Leadership 99

Independent Banker

DECEMBER 1, 2021

Additionally, a recent survey by FIS shows that 37% of consumers began a new banking relationship with a major national or global bank that had a well-established online portal in the past 12 months. 18% of these consumers opened an account with an online-only direct bank. How to choose the right FinTech partner.

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Community Bank Community Fintech Guidelines 91

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?

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How To Strategy Capital Lending 195

South State Correspondent

APRIL 19, 2023

This is one of the great mysteries of community banking. Almost every community bank touts its commitment to the relationship. Still, only some offer products that serve and are priced to build relationship value for the customer and the bank. Add other components, and retention shoots up even further.

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How To Examples Resources Community Bank 195

Abrigo

DECEMBER 11, 2014

In September, the Office of the Comptroller of the Currency (OCC) published final guidelines designed to “strengthen the governance and risk management practices of large financial institutions.” While the final guidance clearly applies to larger financial institutions, community banks should still take note.

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Community Bank Community Guidelines Risk Management 207

South State Correspondent

OCTOBER 4, 2023

In an article last week ( Here ), we discussed how the higher-for-longer interest rate environment will affect the community bank sector. We argued that community banks must learn to improve performance in a low-growth environment for the foreseeable future.

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Community Bank Community Capital Comparison 195

South State Correspondent

MARCH 28, 2023

This article will compare pay-for-risk vs. relationship banking business models for community banks. In a pay-for-risk model, banks emphasize generating revenue by charging for risks that they take. Banks succeed by assessing and underwriting this risk, capitalizing on opportunities where risk is overpriced.

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Community Bank Community Management Marketing 195

South State Correspondent

FEBRUARY 18, 2024

Assuming that an interest rate swap was executed with Bank at today’s rate, the interest rate swap fixed rate would be 3.81%, and Borrower’s synthetically fixed rate for the loan would be 5.81%. This particular national bank has the ability to offer the borrower an interest rate hedge or an on-balance sheet fixed-rate loan.

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Management National Guidelines Capital 195

South State Correspondent

AUGUST 3, 2020

Covid-19 has changed many aspects of banking from branch operations to credit underwriting and remote supervision of employees. Many community bank managers are physically distanced from their teams because of the pandemic.

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Management Training Community Bank Community 221

Abrigo

DECEMBER 17, 2021

Takeaway 2 When evaluating a fintech partnership, ask how the vendor will help with integration, training, and ongoing success. Takeaway 3 Many FIs will price-compare vendors, but neglect to consider potential hidden costs , especially when managing multiple vendors. Will it make their jobs easier? Will they be more successful?

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Fintech How To Innovation System 195

PYMNTS

AUGUST 4, 2017

Are community banks missing the chance to climb aboard the faster payments train? In late July, the Federal Reserve Faster Payments Task Force released its much-anticipated report on how to strengthen and operate the U.S. faster payments system. In a recent blog post , Giorgio pointed out that baby boomers make an average of 9.1

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Community Bank Community Innovation Millennials 116

South State Correspondent

MARCH 26, 2024

Some banks state that they are relationship driven but inadvertently deliver risk-for-pay products. Other banks attempt to provide relationship banking but fail because they may not understand what is involved and how to differentiate from competitors effectively. Identifying the right customer at inception.

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Community Bank Community Security Resources 195

South State Correspondent

DECEMBER 11, 2022

The yield curve shape is an excellent opportunity for community bankers to provide sound risk mitigation and balance sheet management advice to borrowers. We see many community bank borrowers desperately seeking a trusted advisor to help guide them through this volatile cycle. The Shape of the Yield Curve. Conclusion.

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How To Community Community Bank Examples 195

South State Correspondent

JUNE 8, 2022

For decades community banks have structured fixed-rate loans with adjustable features – the most popular structure is a ten-year fixed-rate loan with a five-year reprice. With short-term interest rates expected to rise through 2022, many community banks are reconsidering their ALCO strategies.

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Community Bank Community National Strategy 195

South State Correspondent

OCTOBER 10, 2022

FTP was introduced to banks in the early 1980s to help manage interest rate risk on a transactional basis. Over time FTP was further advanced to allow management to measure and manage credit, interest rate, liquidity, and operational risk across business units. Simple Funds Transfer Pricing Example.

Community Bank 195

Community Bank Community Examples Management 195

Independent Banker

JUNE 30, 2022

Effects of the pandemic and other factors creating unpredictability have changed how community banks approach their credit and lending operations. Bankers and industry observers have several recommendations for how community banks can come up with risk ratings and rankings that foster safe growth in a volatile economic climate.

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Management Community Bank Community Regulation 103

South State Correspondent

MARCH 16, 2022

To make it into the podium, bankers must not only understand how to work with structural components but how to position them for the most efficient application of the creation of value. In this article, we focus on prepayment provisions and look at how a past gold medal winner does it. This is by far the most common provision.

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How To Community Bank Community National 195

Independent Banker

FEBRUARY 28, 2023

Working hand in hand with digital transformation, data provides a powerful tool for community banks. Its accessibility, readability and applicability in today’s digital-first environment has enhanced community banks’ ability to serve their customers, creating a heightened experience.

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Data How To Community Bank Community 133

Independent Banker

AUGUST 31, 2022

of adults have left a job to get away from a manager as a way to improve their overall life. Source: Gallup, “State of the American Manager” report. However, community banks have a big opportunity to stand out from the crowd of potential employers.”. Malvern Bank’s personal touch. Eclipse Bank: Team members first.

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How To Louisville Community Bank Training 91

Independent Banker

FEBRUARY 28, 2022

These community bankers share how they collect positive reviews, and how to respond to negative ones. Your digital footprint outside of your own properties is increasingly how decisions are made,” says Rob Birgfeld, executive vice president and chief marketing officer for ICBA. How to respond to negative reviews.

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How To Community Bank Community Google 127

Abrigo

AUGUST 28, 2022

For banks and credit unions, a popular tool to monitor credit risk is a standardized risk rating system, which can serve several purposes. These systems often determine credit approval processes, covenants placed on the borrower and how loans should be priced.

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System How To Lending Risk Management 195

Abrigo

DECEMBER 22, 2023

download NOW Takeaway 1 The most popular blog posts on the Abrigo site reflect many of the priorities community banks and credit unions had in 2023. Takeaway 2 The top lending and credit blog posts focused on the benefits of banking technology, interest rate management, and developing risk ratings.

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Lending Risk Management Community Management 221

Banking Exchange

OCTOBER 26, 2020

The ‘Bank On’ initiative is being flagged as a key solution for underbanked and unbanked individuals and communities across the US Community Banking Compliance Retail Banking People Customers Online Compliance Management Compliance/Regulatory The Economy Feature Feature3 Socially Responsible Investing SRI SRI Exchange.

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Community How To Compliance Community Bank 60

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. How to reassure customers that their data is protected. By Katie Kuehner-Hebert. Bob Hickok.

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Data How To Community Bank California 91

South State Correspondent

MARCH 30, 2022

Community banks pride themselves on superior customer service. Approximately 90% of all community banks believe that they provide an above-average level of customer service (of course, the math cannot work that way, as half of all banks should be providing a below-average level of customer service).

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Community Bank Resources Community Regional 195

Abrigo

JULY 16, 2021

Takeaway 2 Regulations haven't been written, but there are steps community financial institutions can take now to prepare. How to prepare. Currently, the accompanying regulations have not been written, so what should community financial institutions take away from these priorities now? Hidden Costs of Managing Multiple Vendors.

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Community Regulation Training Policies 195

South State Correspondent

JANUARY 30, 2023

Rising funding costs and decreasing liquidity at community banks are causing managers to change pricing methodology for new credits. We estimate that 25% to 50% of community banks have a policy requiring minimum yield or credit spreads for new commercial loans.

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Community Bank Community Strategy Management 195