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. Many banks target profitable commercial clients. Only about 20% of community banks (banks under $10Bn in assets) are using such a model.

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How To Community Bank Community Management 195

South State Correspondent

APRIL 9, 2024

We estimate that the average contractual loan commitment for term credit at community banks has decreased from just under five years in 2022 to just under three years currently. Community banks should carefully consider the prudence of such a strategy from both a risk and revenue perspective.

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How To Community Community Bank Marketing 195

Independent Banker

JUNE 30, 2022

But there are ways community banks can help mortgage-seekers get on the property ladder. According to the 2022 Home Buyers and Sellers Generational Trends Report published by the NAR, there are some clear generational trends in the homebuying market. So how can community banks help? By Beth Mattson-Teig.

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Community Bank Community Millennials Resources 143

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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Community Bank FDIC Community National 195

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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Community Bank FDIC Community National 195

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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National Lending How To Community Bank 195

Independent Banker

NOVEMBER 30, 2021

Premium benefits packages, professional development and TLC during the pandemic—this year’s winners do everything in their power to keep their community bankers happy and fulfilled. We asked both leaders and staffers to tell us what makes their community banks stand out as employers. Key Community Bank: Leading by example.

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Community Bank Community Texas Leadership 164

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

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

South State Correspondent

NOVEMBER 15, 2022

Mostly, it gives your board and shareholders a yardstick in which to gauge a bank’s return. Produce under, and, well, you are going to have to do some good marketing to talk investors into believing you are better than the next similar investment alternative. Understanding how to drive risk-adjusted ROE through loans.

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Capital How To St. Louis Community Bank 195

PYMNTS

JANUARY 9, 2018

With big banks pulling back from small and medium-sized business (SMB) lending in the wake of the global financial crisis, the market was ripe for someone else to fill the credit gap. Community banks approved 49 percent of SMB loan applications in November, according to the latest data from the Biz2Credit Small Business Lending Index.

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Community Bank Community Fintech Lending 131

South State Correspondent

SEPTEMBER 25, 2023

On September 20, 2023, the Federal Open Market Committee (FOMC) left its benchmark rate unchanged, but it would be a mistake to conclude that the committee did not send a strong message about the projected path of future interest rates. The cost of funds for community banks and non-community banks is shown in the graph below.

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Community Bank Community Industry Marketing 195

South State Correspondent

APRIL 19, 2023

In this article, we will look at deposit performance data related to high balances and show how banks can dramatically increase value by restructuring relationship-based products and better-allocating marketing/sales dollars more efficiently. million of franchise value per $10 million of money market deposits.

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How To Examples Resources Community Bank 195

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

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

NOVEMBER 29, 2023

Community banks are striving to increase loan yield and maintain their cost of funding (COF). Unfortunately, pressure on COF is expected to remain, and loans will reprice slower than expected as borrowers with below-market rates will wait until the last maturity day to refinance their credits.

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Community Bank Community Tools Strategy 195

Abrigo

JANUARY 1, 2016

Government Accountability Office (GAO), community banks and credit unions are starting feel the impact of the Dodd-Frank Wall Street Reform Act. The GAO report, released on December 30th, examined nine Dodd-Frank rules that became effective as of October 2015 for impact on community banks and credit unions.

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Community Bank Community Compliance Training 150

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

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

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. faster payment system. When ‘Wait And See’ Won’t Cut It Anymore.

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Community Bank Community Innovation Millennials 116

South State Correspondent

SEPTEMBER 20, 2022

Last week, the American Banking Association (ABA) held its annual Bank Marketing Conference in Denver, receiving rave reviews. The theme was – developing your marketing superpowers. Amid the brewery networking, superhero costumes, and fun, some fantastic bank marketing lessons were had, and not just for bank marketers.

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Conference Marketing social media Data 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

MARCH 26, 2024

Bankers provide advice based on the customer’s particular situation and needs, as those needs change and evolve over the customer’s lifetime and as the market changes. The bank is compensated by selling products, services, and especially insightful and targeted advice. Identifying the right customer at inception.

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Community Bank Community Security Resources 195

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. Prepayment Provisions Not Penalties.

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How To Community Bank Community National 195

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. Quick Stat. But the $3.9

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How To Community Bank Community Google 127

South State Correspondent

JANUARY 20, 2020

We work on thousands of lending transactions every year with hundreds of community banks across the country. We witness the good, the bad, the ugly, and occasionally the very bizarre in bank marketing, under

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Case Study Study How To Community Bank 195

Independent Banker

FEBRUARY 28, 2022

Kathy Strasser of IncredibleBank is evaluating marketing campaign management platforms. Customized, well-thought-out interactions—especially in the online banking space—are integral to wooing new customers and retaining existing ones. Fintechs know how to reach and work with the community. MainStreet Bank’s BaaS move.

Fintech 136

Fintech Marketing Community Bank Community 136

Abrigo

DECEMBER 17, 2021

The fintech market is growing exponentially, and it can feel overwhelming trying to decide which vendor would be the best partner for the financial institution. How to Establish Quality Fintech Partnerships. How is Your Institution’s Loan Review Function Organized? The support we get from Abrigo is a huge factor. Download Guide.

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Fintech How To Innovation System 195

South State Correspondent

AUGUST 5, 2019

It sometimes pays to be opportunistic in marketing your community bank’s products. There is currently an exceptional market opportunity for community banks to win profitable business from larger competitors.

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Case Study How To Community Bank Community 186

PYMNTS

AUGUST 3, 2017

The August Faster Payments Tracker™ , powered by NACHA , highlights notable news and developments from across the faster payments landscape, including coverage of the long-awaited release of the Federal Reserve’s Faster Payments Task Force report on how to improve the U.S. Community banks meet the millennial generation.

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Community Bank Community Report Millennials 117

South State Correspondent

APRIL 4, 2022

This segment is steep because the market believes that the Federal Reserve will aggressively raise interest rates over the next couple of years. This is where most banks lend on commercial loans. Segment C of the lending curve has several advantages for community banks.

Lending 195

Lending How To Community Bank Community 195

Independent Banker

DECEMBER 31, 2021

As social media platforms tinker with their algorithms, marketing experts say one trend is clear: Paid social campaigns are becoming increasingly necessary to cut through the noise and reach customers. They share tips for how community banks can get started. Sometimes, the marketing team is a one-person show.”.

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Marketing Strategies Strategy Marketing social media 91

South State Correspondent

JUNE 24, 2022

However, because short-term interest rates are projected to be 2.00% higher within one year, stress testing cash flows with a 4.00% increase represents only 2.00% above the market-expected rate. Nonetheless, even at 2.00% above the market expected rate, many loans originated today will not cashflow above 1.0X.

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How To Policies Community Bank Analysis 195

Independent Banker

FEBRUARY 28, 2023

Photo by Radachynskyi/Adobe Using ICBA’s Marketing Communications Toolkit, your community bank can tell its story with intention and precision. For the banking industry, marketing can be finicky. It’s also important to know how to conduct yourself during an interview (see sidebar). Here’s a preview.

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Marketing social media Community Bank Video 91

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

Independent Banker

AUGUST 31, 2021

The payments space can be dizzying for even the most enterprising community bank. How do you navigate the constant churn of innovations or disruptors? Banking-as-a-service (BaaS). Central bank digital currency (CBDC). A barrage of new payments potential has shaped the market since the start of the pandemic.

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Trends How To Payments Community Bank 91