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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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

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

Gonzobanker

FEBRUARY 22, 2024

The right talent and tools can equip bankers to take advantage of opportunities in the small business market. For bankers to be successful in the small business lending market, they need to execute on several key tenets: strategy, people, process and technology. community banks have automated their commercial loan origination systems.

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Lending Community Bank Community Strategy 78

South State Correspondent

JANUARY 25, 2024

Forward Rate Lock Tools National lenders have been using locks for decades, and these instruments can take many forms. The forward rate lock allows a win-win outcome for both borrowers and banks. As we have discussed before ( HERE ), one common lending mistake is for lenders to hold a rate constant during underwriting.

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How To Community Bank Community National 195

South State Correspondent

JULY 10, 2023

Next week’s article will consider the challenges and possible solutions for community banks to adopt loan hedging programs. Adoption of Interest Rate Swaps Swaps (banks’ primary tool to hedge interest rate risk on loans) have increased substantially over the last ten years.

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Community Bank Community Tools Management 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.

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Community Bank Community Cards Lending 115

PYMNTS

FEBRUARY 15, 2018

For community banks serving small- to mid-sized businesses (SMBs), training an eye on credit cards can translate into additional revenue streams and tap into an unmet need for those SMBs. Kearney found 26 percent of small business cardholders have community banking relationships in place. There’s a lot of runway here.

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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).

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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.

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Lending Strategy Community Bank Community 103

PYMNTS

AUGUST 4, 2017

Are community banks missing the chance to climb aboard the faster payments train? With various banks and FinTechs producing innovative solutions — like mobile banking and P2P tools aimed at improving the speed of payments — the pressure is on for community banks to keep up. faster payments system.

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Community Bank Community Innovation Millennials 116

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.

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Community Bank Community Tools Strategy 195

PYMNTS

OCTOBER 25, 2020

The pandemic sped up the need for the loan providing services StreetShares offers, the release stated, as lenders sought out software to lend money through the Paycheck Protection Program (PPP) digitally. Since January, the company has grown to 53 FI clients, nearly double what it had before.

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Lending Community Bank Community Fintech 160

South State Correspondent

MARCH 14, 2022

Community banks have solid competitive advantages when competing against insurance companies (primarily life insurance companies or “Lifecos”) and commercial real estate securitization conduit lenders (CMBS) for commercial borrowers. How Banks Can Compete Against Insurance Companies and CMBS. Solution Parameter. Differentiation.

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Company Community Bank Community Lending 195

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.

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Lending Community Bank Community North Dakota 91

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.

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National Community Bank Community Examples 195

PYMNTS

JANUARY 30, 2019

Financial technology (FinTech) company Numerated , which links financial institutions (FIs) with digital business lending and sales solutions, has announced a partnership with PayNet to integrate risk analytics into its offering. In a press release issued on Tuesday (Jan.

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Analytics Lending Tools Community Bank 144

Jeff For Banks

MAY 9, 2024

During the prior break, I struck up a conversation with a person from Lendio , a small business lending platform, that was there to promote their white-label platform to bankers. Back in 2015, almost nine years ago, I wrote an article about banks building their own small business loan platforms. What a great succession planning tool!

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Conference Community Bank Community Tools 112

South State Correspondent

APRIL 10, 2023

Nonetheless, with the recent collapse of sizeable regional banks, regulators, investors, analysts, accountants, and bankers are now scrutinizing the fair value of banks’ securities and loan portfolios. This development should strongly motivate community banks to consider the benefits of loan-level hedging.

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Community Bank Community Security Capital 195

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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Lending Community Bank Community Data 136

PYMNTS

MARCH 12, 2020

But the latest initiatives reveal a growing interest in transforming internal processes, particularly among smaller banks looking to upgrade their core infrastructure and elevate small business lending operations. The regional bank also noted growing interest among smaller FIs to embrace the bank-FinTech collaboration trend.

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South State Correspondent

NOVEMBER 13, 2023

We have enhanced our website to be a marketing resource for our lenders, and we make it available to all community bankers (without charge or any other obligations). Our online proposal generator is an easy-to-use tool that allows lenders to create, save, update, print, and share standard formatted PDF presentations with borrowers.

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Tools Online Marketing Community 195

South State Correspondent

FEBRUARY 12, 2023

The average community bank’s cost of funding is highly correlated to Fed Funds and SOFR (for the industry, the correlation has been 94% with a six-month lag over the last 20 years). Each episode creates another opportunity for the community bank to generate additional hedge fee income.

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Community Bank Community Case Study Strategy 195

South State Correspondent

AUGUST 15, 2022

Sometimes just a graphics tool can help a banker win more loan business. At SouthState, our commercial lending teams use an online proposal generator, and we make that same app available to any community bank. An online loan proposal generator is one of the least costly tools your bank can offer lenders.

Tools 195

Tools Lending Online Training 195

South State Correspondent

AUGUST 15, 2022

Sometimes just a graphics tool can help a banker win more loan business. At SouthState, our commercial lending teams use an online proposal generator, and we make that same app available to any community bank. An online loan proposal generator is one of the least costly tools your bank can offer lenders.

Tools 195

Tools Lending Online Training 195

Independent Banker

OCTOBER 1, 2022

An event at EMS in June brought together (L–R) Clear Mountain Bank president/CEO Dave Thomas, ICBA president Rebeca Romero Rainey, FHLBank Pittsburgh president/CEO Winthrop Watson, and Tim Critchfield, EMS owner/president. Name: Clear Mountain Bank. Consider, for example, its commercial lending approach. By Mindy Charski.

West Virginia 91

West Virginia Virginia Community Bank Community 91

Abrigo

MAY 30, 2017

One of the biggest obstacles for many community banks and credit unions with aggressive growth goals is staffing. However, growing the staff can be a real challenges for many banks and credit unions. Moreover, many community banks and credit unions are located in more rural areas.

Technology 150

Technology Community Bank Lending Community 150

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. Stay Up-to-Date On Lending Best Practices. Learn More. The 2018 J.D.

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Conference Lending Oklahoma Alabama 150

South State Correspondent

MAY 3, 2023

Fund Transfer Pricing We have written about FTP and how it related to the risk issues we witnessed as the Federal Reserve pivoted to fight inflation and how some banks did not respond sufficiently or quickly. Fundamentally, FTP divides a bank’s overall NIM into two major sub-margins (one for deposits and one for asset origination).

Lending 195

Lending Capital Management Tools 195

South State Correspondent

MAY 2, 2023

Fund Transfer Pricing We have written about FTP and how it related to the risk issues we witnessed as the Federal Reserve pivoted to fight inflation and how some banks did not respond sufficiently or quickly. Fundamentally, FTP divides a bank’s overall NIM into two major sub-margins (one for deposits and one for asset origination).

Lending 195

Lending Capital Management Tools 195

South State Correspondent

MAY 2, 2023

Fund Transfer Pricing We have written about FTP and how it related to the risk issues we witnessed as the Federal Reserve pivoted to fight inflation and how some banks did not respond sufficiently or quickly. Fundamentally, FTP divides a bank’s overall NIM into two major sub-margins (one for deposits and one for asset origination).

Lending 195

Lending Capital Management Tools 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.

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Fraud Strategy Community Bank New York City 160

PYMNTS

APRIL 16, 2020

This week’s look at the latest in bank-FinTech collaborations and open banking initiatives finds a focus on small business lending: In the U.K., Deloitte, Unqork, Plaid Debut Lending-as-a-Service Tool. ” Plaid Unlocks Payroll Data to Support PPP Lending. .”

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Data Lending Regional Fintech 167

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. That said, banks and credit unions have the ability to customize a rating system to best fit the unique risk characteristics of their institution. LEARN MORE ABOUT LENDING.

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System How To Lending Risk Management 195

Independent Banker

MARCH 31, 2022

One Community Bank’s 30-year relationship with All-Color Powder Coating is carried on by banker Steven Erickson (left) and Dan Anderson. Whether achieved by internal or external resources, community banks provide valuable support for small businesses. To achieve this, community banks use a number of strategies.

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Community Bank Wisconsin Community Resources 91

Independent Banker

MARCH 31, 2020

Community Banking Month holds a special place in my heart. It began early in my career at Centinel Bank of Taos. Every April, I would visit local elementary schools to speak about community banking. To keep their attention and make community banking relevant, I had to get creative.

Community Bank 91

Community Bank Community Digital Marketing Channels Resources 91

Independent Banker

OCTOBER 31, 2021

The CARES Act extended the CECL implementation deadline for many larger community banks until the end of the COVID-19 pandemic. Community bankers tell us that while the extension is welcome, they’re already down the road to implementation. ICBA tells FASB CECL isn’t feasible for community banks. By Stephanie Vozza.

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Community Bank Community Software New York City 91