South State Correspondent

AUGUST 1, 2016

If you have to battle the large national or regional banks for treasury management business, then you are in luck because competition is easy. Of course, many community banks don’t feel that way, but often that is because they have the wrong approach.

Community Bank 150

Community Bank Community Management Conference 150

Banking Exchange

JANUARY 20, 2021

Greenwoods buys branches from Town Bank, while Santa Cruz County Bank and Mountain America Credit Union announce openings Community Banking Feature3 Feature Management M&A.

Community Bank 78

Community Bank Community Regional America 78

Banking Exchange

AUGUST 21, 2019

Community banks are facing tremendous competitive pressures from regional, national, and global banks Technology Feature3 Fintech Feature Financial Trends Community Banking Customers Core Systems Branch Technology/ATMs Outsourcing/Cloud Tech Management Mobile Online Cards Checks/Remote Deposit Capture.

Community Bank 102

Community Bank Community ATM Regional 102

South State Correspondent

MARCH 5, 2024

Several measurable factors drive loan (and, by extension, bank) profitability, including loan size, credit quality, term, cross-sell, and upsell. In this article, we will consider how and why loan size is one of the most significant drivers of profitability for community banks and what community banks can do to improve performance.

Community Bank 195

Community Bank Community National Lending 195

South State Correspondent

MARCH 5, 2024

Several measurable factors drive loan (and, by extension, bank) profitability, including loan size, credit quality, term, cross-sell, and upsell. In this article, we will consider how and why loan size is one of the most significant drivers of profitability for community banks and what community banks can do to improve performance.

Community Bank 195

Community Bank Community National Lending 195

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. The group, to be known as Alloy Labs Alliance, according to a press release , is being managed by FinTech Forge.

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Community Bank Community Fintech Arizona 183

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.

National 195

National Lending How To Community Bank 195

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.

Management 195

Management Survey Industry Community Bank 195

PYMNTS

APRIL 14, 2020

To provide regional and community banks with a full-scale solution to manage and grow their FX programs, FinTech firm Derivative Path, Inc. Our industry-leading rates platform now combined with Currencycloud’s capabilities will make our offering even more powerful for our regional and community banking clients.”.

Regional 181

Regional Community Bank America Community 181

PYMNTS

OCTOBER 10, 2018

Together, the companies are launching RegalOne, an application that provides integrated virtual cards to the corporate customers of regional and community banks. That platform will enable those business users to make payments via virtual card, while Mastercard’s In Control solution enhances the security of those transactions.

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Community Bank Community Cards Software 134

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

PYMNTS

JULY 3, 2020

People’s United Bank Senior Vice President of Treasury Management Cris Sigovitch told PYMNTS that while access to payables FinTech solutions is important, perhaps even more essential is access to a trusted partner that can guide firms toward a resilient and future-proof AP department. ” Offering the Right Tools.

Regional 214

Regional New Hampshire Tools Vermont 214

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. Bankers need to manage credit relationships to ROA/ROE and not credit spreads. Why do banks use RAROC loan pricing models?

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How To Community Bank Community Management 195

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.

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How To Community Bank Community FDIC 195

Abrigo

FEBRUARY 23, 2023

Relationship focus helps CFIs Small banks can leapfrog competitors and better serve their communities by combining their unique advantages with smart management and partnerships. Takeaway 3 With effective technology, the bank can continue to grow its portfolio without necessarily adding staff.

Community Bank 195

Community Bank Kansas City Community Lending 195

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

South State Correspondent

JUNE 30, 2023

Many banks pride themselves on superior customer service, and approximately 90% of all community banks believe that they provide an above-average level of customer service (the math cannot work that way). There are several ways for bank managers to address this issue and better align relationship pricing with bank profitability.

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Resources Community Bank Capital Community 195

PYMNTS

APRIL 23, 2020

Below, PYMNTS rounds up the latest solutions that FinTechs and lenders are developing to ease the PPP lending process for SMBs and FIs alike, with many initiatives focused on enabling regional and community banks to maintain a competitive edge against the biggest banks. Fresno First Bank. LendingTree.

Fresno 142

Fresno Regional Fintech Lending 142

American Banker

NOVEMBER 10, 2023

In its biannual report on supervision and regulation, the Federal Reserve Board noted an uptick in governance issues with large banks. Regional and community banks, meanwhile, were plagued by IT problems and risk management struggles.

Risk Management 90

Risk Management Community Bank Regional Community 90

Banking Exchange

JUNE 14, 2021

Bank of America ranks highest in banking mobile app satisfaction, reports JD Power Retail Banking Feature Lines of Business Technology Mobile Online Tech Management Feature3 Community Banking Consumer Compliance Customers.

Regional 88

Regional Mobile Survey Community Bank 88

South State Correspondent

MAY 18, 2022

In two recent articles, we reviewed the banking industry’s deposit behavior with regard to cost of funding earning assets (COF) ( HERE ), and we compared how community banks’ COF behaves relative to national banks in a rising interest rate cycle ( HERE ). A graph for SouthState Bank appears below.

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Community Bank Community Analysis Industry 195

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

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

South State Correspondent

NOVEMBER 29, 2023

One of the lessons that was driven home at the recent American Banker Small Business Banking Conference in Nashville was the difference in marketing between large national banks and community banks, particularly deposit marketing. Many banks fall into the “recency trap.” There is a reason for this.

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Marketing Regional National Nashville 195

Banking Exchange

JANUARY 10, 2022

2021 saw several US banks announce new transactions despite simmering regulatory pressure Compliance Management Feature M&A Feature3 Compliance/Regulatory Compliance Management Community Banking.

US 60

US Regional Compliance Community Bank 60

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.

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Strategy Regional Industry Community Bank 195

ABA Community Banking

AUGUST 27, 2015

SNL Report: Overall, banks in Western region generate strongest loan growth Bank Performance Management Financial Trends Community Banking.

Community Bank 40

Community Bank Community Lending Regional 40

South State Correspondent

JANUARY 3, 2023

The lack of relationship between NIM and ROA results from the other factors that are more important to bank profitability, such as loan credit quality, loan size, and relationship value. Location – Because most banks take on the profitability of an area, geography matters. Operating Leverage – Scale matters.

Community Bank 221

Community Bank Community Data Marketing 221

Gonzobanker

NOVEMBER 26, 2018

Rapid consolidation in the banking industry is creating a growing band of regional banks that find themselves stuck in a solution provider market that isn’t fully capable of serving them. As banks have consolidated, so have the technology partners serving them.

Regional 101

Regional Strategy Technology Innovation 101

South State Correspondent

AUGUST 8, 2022

Insights Based on 2Q Bank Earnings. Insight #1 – Deposit & Margin Management: Deposit runoff has started and will make it to community banks by October. For 2Q, larger community banks lost about 0.3% of their deposits, and small banks were either flat or continued to gain.

Trends 195

Trends Community Bank Community Retail 195

Independent Banker

JANUARY 31, 2022

Here’s how four community banks are thriving in this environment. This region has the kind of energy that draws people to a place and helps them and their businesses thrive. We spoke with four community banks in the southern half of Texas to learn how they are serving this buzzing region. By Mindy Charski.

Texas 182

Texas San Antonio Community Bank Community 182

Banking Exchange

DECEMBER 28, 2019

Community Banks Should Focus on Regional Strategy Community Banking Feature3 Feature The Economy Bank Performance Financial Trends Human Resources People Management.

Community Bank 78

Community Bank Regional Resources Community 78

Banking Exchange

JANUARY 25, 2021

billion regional bank is building four new sites in Hampton Roads, Virginia Community Banking Feature3 Feature Management M&A Human Resources.

Virginia 78

Virginia Community Bank Regional Resources 78

Banking Exchange

JULY 15, 2019

Survey also finds fewer than half of bank employees know what conduct and ethics controls are in place Compliance Management Compliance/Regulatory Community Banking Feature3 Financial Research Human Resources Feature Management Compliance.

Regional 68

Regional Compliance Community Bank Resources 68

Independent Banker

APRIL 30, 2022

Independent Banker’s annual listing top-performing community banks of 2021 alongside interviews with some of the winners. In true community bank fashion, each has its own story to tell and its own path to success. In true community bank fashion, each has its own story to tell and its own path to success.

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Community Bank Community Montana Taxes 172

South State Correspondent

APRIL 19, 2023

For example, while banks in the Southeast and Mid-Atlantic regions of the U.S. This is one of the great mysteries of community banking. Almost every community bank touts its commitment to the relationship. This alone can have a material impact on retention and is inexpensive.

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How To Examples Resources Community Bank 195

Banking Exchange

SEPTEMBER 2, 2020

Regions Bank waives fees and offers other relief while American Express donates to the American Red Cross Community Banking Feature3 Feature Risk Management Branch Technology/ATMs Fee Income.

Risk Management 78

Risk Management ATM Community Bank Regional 78