Independent Banker

NOVEMBER 30, 2022

Clockwise from top left: Grand Ridge National Bank, Wheaton, Ill.; Community Financial Services Bank, Benton, Ky.; Bank of Montana, Missoula, Mont.; CNB Bank, Berkeley Springs, W.Va.; Midwest Bank, Norfolk, Neb. Bank of Montana: Breaking the mold. Bank of Montana. What great resignation?

Community Bank 169

Community Bank Community Montana Leadership 169

PYMNTS

MARCH 12, 2019

Innovation has always been important for community banks, but the driving force of digitization over the last decade has greatly sped up the pace, said Kevin Tweddle, chief innovation officer for the Independent Community Bankers of America ( ICBA ). Community banking is no exception. Leveling the Playing Field.

Community Bank 205

Community Bank Community Innovation Fintech 205

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.

Community Bank 195

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.

Community Bank 195

Community Bank FDIC Community National 195

Abrigo

OCTOBER 9, 2014

This article is the second in a two-part series on top concerns and growth strategies of community banks. Part I focused on bankers’ greatest concerns, while this section will focus on growth strategies. Everyone in the banking industry seems to be asking the same question these days: How can we facilitate growth?

Community Bank 236

Community Bank Strategy Community Survey 236

PYMNTS

OCTOBER 11, 2017

Small business (SMB) lending is big business for community banks , which are a popular destination for small business borrowers, thanks to strong approval rates on loan applications. But new analysis from the Federal Reserve has identified a reversal in community banks’ position in the small business lending market.

Community Bank 108

Community Bank Community Lending Survey 108

Independent Banker

JUNE 30, 2022

A new approach to loan protocols is just one way for community banks to grow in new and different directions. Amid changing economic conditions and rising rates, it’s a good time for community banks to re-evaluate their loan strategy with an eye on adaptability. David, Community Bank Consulting Services, Inc.

Lending 103

Lending Strategy Community Bank Community 103

South State Correspondent

APRIL 18, 2023

We concluded that the market does not adequately compensate banks for credit and interest rate risks. Top-performing community banks deploy relationship banking. We define relationship banking as a model focused on a consultative banking approach. uses at our bank.

Strategy 195

Strategy Regional Industry Community Bank 195

PYMNTS

JANUARY 6, 2020

Community banks are pushing for a stronger role with their small business (SMB) customers. However, through an embrace of FinTech collaboration and industry consolidation, community banks appear poised to further dispel assumptions of a lack of digitization. A Consolidating Industry. Strengthening SMB Ties.

Community Bank 123

Community Bank Community Payments Fintech 123

PYMNTS

NOVEMBER 13, 2018

To that end, news came earlier this week in the United States that a dozen community and regional banks have formed a group aimed at exploring the opportunities amid FinTech offerings. This time around, Sweetbridge is using blockchain in a lending context. Here In The States.

Community Bank 183

Community Bank Community Fintech Arizona 183

Abrigo

NOVEMBER 3, 2016

Some of the most pressing challenges facing community banks and credit unions in the current banking environment include narrow interest rate margins, increasing pressure from regulators, and competition with “too-big-to-fail” mega-banks.

Community Bank 150

Community Bank Community Lending Risk Management 150

Gonzobanker

FEBRUARY 22, 2024

For bankers to be successful in the small business lending market, they need to execute on several key tenets: strategy, people, process and technology. Strategy: Choose Your Niche Making the most of an investment in business services requires a strategic approach. Even fewer banks have deployed automation for small businesses.

Lending 78

Lending Community Bank Community Strategy 78

PYMNTS

JULY 3, 2019

Large financial institutions (FIs) are increasingly turning to FinTech firms and alternative lenders to augment their small business (SMB) offerings, but community banks are beginning to get on board with the partnership strategy , too. They’re very disciplined on credit and interest rate risk,” he said.

Community Bank 116

Community Bank Community Fintech New Jersey 116

South State Correspondent

AUGUST 21, 2023

However, that publication, directly and indirectly, identified three discrete risks affecting community banks. We will outline what we think community bankers should glean from this publication. Risks to the Community Banking Sector Moody’s identified three risks to the banking sector, including risks to community banks.

Community Bank 195

Community Bank Community Capital Analysis 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.

Community Bank 99

Community Bank Community Fintech Leadership 99

South State Correspondent

DECEMBER 5, 2023

The Concepts Lending Curve: A yield curve shows interest rates associated with different contract lengths for a particular interest rate instrument. While economists may use the shape of the yield curve to gauge future economic strength, bankers should pay particular attention to the lending curve.

Lending 195

Lending Marketing Capital Community Bank 195

ABA Community Banking

SEPTEMBER 29, 2021

On the latest episode the ABA Banking Journal Podcast, Berkshire Bank President and CEO Nitin Mhatre discusss Berkshire Bank's "BEST Community Comeback," a new $5 billion ESG-focused initiative at the Massachusetts-based midsize community bank.

Community 81

Community Strategy Massachusetts Community Bank 81

PYMNTS

SEPTEMBER 24, 2020

smaller community banks and credit unions (CUs) stepped up to the plate and, according to the Small Business Association (SBA), ended up facilitating more than half of PPP loan volume to SMBs. That's good news for community banks and credit unions, which could see a wave of new SMB customers and members in the coming months.

Community 193

Community Community Bank Regional Lending 193

Independent Banker

OCTOBER 31, 2022

We spoke with industry specialists about the priorities for community banks as they build a digital loan process for small businesses. Digital lending capabilities are quickly becoming table stakes, particularly when it comes to small business lending. Benefits of digital lending. By William Atkinson.

Lending 91

Lending Community Bank Community Illinois 91

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

Abrigo

JANUARY 17, 2023

Automating SMB and commercial lending elevates your customer's experience From making it easier to apply to speeding up loan closings, automation can helps make business lending customers and staff happier. You might also like this on-demand webinar, "Strategies to grow your commercial loan portfolio." Digital lending.

Lending 195

Lending System Customer Experience Case Study 195

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

South State Correspondent

JULY 26, 2023

The bigger risk to community banks’ business model is not a moderate recession induced by aggressive interest rate increases by the Federal Reserve. This article will discuss community banks’ strategies and tactics to mitigate a prolonged and profoundly inverted yield curve.

Community Bank 195

Community Bank Community Strategy Atlanta 195

Jack Henry

DECEMBER 9, 2021

Investments in financial technology have been increasing for years, but the events of the last 18 months have created a new sense of urgency for community banks and credit unions to fine-tune their digital strategies across the spectrum of various fintech investments.

Strategy 148

Strategy Digital Strategies FDIC Community Bank 148

Independent Banker

JUNE 30, 2022

As we kick off this year’s lending issue, I want to pause for a moment to reflect on just how much lending has changed. But community banks have adapted to address that shift. By implementing these new strategies, we have focused on what matters most: our customers. Rebeca Romero Rainey. President and CEO, ICBA.

Lending 141

Lending Idaho Nevada Oregon 141

Independent Banker

APRIL 30, 2022

Loan providers share an infectious enthusiasm and growing optimism for one vertical’s prospects in 2022: commercial lending. Here’s how community bankers can take advantage of various sectors—including SBA lending—over the next 12 months. First Business Bank in Madison, Wis., billion asset community bank.

Lending 158

Lending Community St. Louis Community Bank 158

South State Correspondent

SEPTEMBER 18, 2023

This development is very important to community banks, as their efficiency ratio also increased, but to 61.63%. The national banks have already indicated how they plan to reverse the efficiency ratio increase – through headcount reduction. What is Driving the Efficiency Ratio at Community Banks?

Management 195

Management How To Community Bank Community 195

South State Correspondent

SEPTEMBER 4, 2023

We analyzed the loan performance (return on equity, loan yield, fee income, and loan size) of hedged borrowings in a large group of community banks and compared this to the community bank industry averages. The table below shows a summary of our analysis (community banks are defined as banks under $10B in assets).

Analysis 195

Analysis Community Bank Community Training 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.

Community Bank 195

Community Bank Community National Strategy 195

South State Correspondent

NOVEMBER 18, 2015

In our dealing with hundreds of banks and thousands of borrowers, we observe strategies and structures that have worked for our customers. We would like to share ten strategies that we and other community banks have effectively deployed to win bus

Strategy 150

Strategy Lending Community Bank Community 150

South State Correspondent

NOVEMBER 29, 2023

Community banks are striving to increase loan yield and maintain their cost of funding (COF). We have created and used a novel structure to take advantage of the inverted yield curve to allow community banks to increase net interest margin (NIM) and fee income on these existing fixed-rate loans.

Community Bank 195

Community Bank Community Tools Strategy 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

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. We also shared a table that summarized the two strategies.

How To 195

How To Community Bank Community FDIC 195

South State Correspondent

MAY 15, 2023

community bank management team. The CLO was lamenting how he was losing quality loans and deposits to three aggressive national banks in the territory. While this community bank is not aggressively pricing new loans, losing this commercial credit with a substantial deposit relationship was painful.

National 195

National Community Bank Community Examples 195

PYMNTS

OCTOBER 4, 2019

For community banks and credit unions, their physical proximity to the small businesses they’re servicing is often pointed out as a major advantage these smaller players hold over the big banks, enabling these FIs to develop deeper relationships with their small to medium-size business (SMB) clients, anticipate their needs and establish trust.

Lending 152

Lending Community Bank US Community 152

Independent Banker

OCTOBER 31, 2021

Offering digital lending isn’t about the bells and whistles. 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.

Lending 91

Lending Community Bank Community North Dakota 91

Abrigo

NOVEMBER 6, 2019

Small Business Loans | 5 minute read Key Takeaways Credit unions' small business loans hit a record low, while small business lending continues to remain strong at big banks and community banks. Going digital can help reduce the cost of small business lending and capture more member business loans.

Lending 150

Lending How To Community Community Bank 150