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

CFPB Monitor

AUGUST 7, 2023

Texas First Bank (Texas First), Independent Bankers Association of Texas (IBAT), and Independent Community Bankers of America (ICBA) (collectively, Proposed Intervenors) have filed an unopposed motion seeking leave from the court to intervene in the lawsuit challenging the CFPB’s final small business lending rule (Rule).

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Community Bank Texas Community Lending 78

Banking Exchange

FEBRUARY 17, 2021

Greenwich Associates reports widening gap in digital investment between national and regional banks Community Banking Feature3 Feature Technology Retail Banking Covid19 PPP Customers Tech Management Mobile Online.

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Community Bank Regional Community National 131

Jeff For Banks

JANUARY 14, 2021

In June of 2008 I gave a speech titled "The Death of the Community Bank" and in that speech I made predictions. Prediction: The General Bank will become extinct. Much like competitors nip at community banks' customers. Eighteen percent of that group opened an account at a digital bank. Result: Mixed.

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Community Bank Community FDIC Strategy 130

Banking Exchange

JANUARY 25, 2023

Biggest regional banks should be held to same standard as the largest national institutions, says ICBA Community Banking Feature3 Feature Retail Banking Compliance Compliance/Regulatory

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Community Bank Community Compliance Regional 78

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. Janet Silveria, Community Bank of Santa Maria. So, what’s at the top of community bank leaders’ to-do lists?

Community Bank 144

Community Bank Community Lending Louisiana 144

Abrigo

SEPTEMBER 16, 2019

Community bankers are largely positive about the future, based on the first results of a new index gauging business sentiment among the financial professionals who serve a critical role in local economies. The survey for the inaugural index included 512 FDIC banks responding from early in the second quarter through July 5. Learn More.

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Community Bank Community Policies Survey 150

American Banker

APRIL 4, 2024

The Federal Reserve issued an enforcement action against Mode Eleven Bancorp, the holding company for Summit National Bank, which engages in banking-as-a-service.

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Wyoming Community Bank Community Fintech 73

Independent Banker

MARCH 31, 2022

My bank’s tagline is ‘Where dreams meet solutions,’ and it serves as my guiding inspiration at the bank and, now, at the national level. As community bankers, our customers depend on us to keep their dreams alive. Thankfully, that glass-half-full attitude comes naturally for community bankers. Innovation.

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Community Community Bank National Meeting 182

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.

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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

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.

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Community Bank Community ATM Regional 102

BankInovation

AUGUST 10, 2022

The $613 million Citizens National Bank, a community bank in Somerset, Ky., was among seven banks to implement Jack Henry’s Banno digital banking platform in June, according to an FI Navigator report provided to Bank Automation News.

Las Vegas 52

Las Vegas Community Bank National Community 52

Banking Exchange

JUNE 10, 2021

Two community banks snapped by Simmons, while Illinois’ Heartland Bank looks to push into Iowa Community Banking Feature3 Feature Management M&A.

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Community Bank Community Iowa Tennessee 78

Independent Banker

FEBRUARY 28, 2023

Derek Williams, president and CEO of Century Bank & Trust in Milledgeville, Ga., wanted to be a financier before finding his way to community banking. So, he joined a training program at what was then Citizens & Southern National Bank, once the largest bank in the southeastern U.S.,

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Community Community Bank Georgia San Antonio 172

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?

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Management How To Community Bank Community 195

American Banker

JANUARY 5, 2024

Reading Cooperative Bank and Queensborough National Bank and Trust are among those that see value in being close to fintech startups.

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Community Bank Fintech Community National 92

PYMNTS

APRIL 12, 2019

Community banks are voicing their frustration with what they say is a lack of competition in the market for corporate bank technology providers, reports in The Wall Street Journal said Thursday (April 11). Community banks say their services are often too expensive and can sometimes be delayed.

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Community Bank Community New Jersey Fintech 123

CFPB Monitor

AUGUST 17, 2023

Rally Credit Union, the Credit Union National Association, and Cornerstone Credit Union League (Credit Union Intervenors) have filed a joinder to the motion for preliminary injunction filed by Texas First Bank, Independent Bankers Association of Texas, and Independent Community Bankers of America (Community Bank Intervenors) in the Texas lawsuit challenging (..)

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Texas Community Bank Community Lending 78

South State Correspondent

JULY 7, 2016

Until approximately ten years ago, interest rate loan hedging (using swaps) was prevalent for national and larger regional banks, but most community banks avoided loan hedging for various reasons. In the last ten years, more community banks have started to offer their borrowers some form of loan hedging option.

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Community Bank Community Regional National 150

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.

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Community Bank Community Management Conference 150

PYMNTS

JANUARY 9, 2018

Community banks approved 49 percent of SMB loan applications in November, according to the latest data from the Biz2Credit Small Business Lending Index. Here, again, lies another opportunity for community banks to fill the void.

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Community Bank Community Fintech Lending 131

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.

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Community Bank Community Fintech Guidelines 91

ABA Community Banking

SEPTEMBER 8, 2021

Banks of all sizes are hearing from many customers that they want exposure to the fast-growing but volatile cryptocurrency market. Vast Bank recently became the first nationally chartered, FDIC-insured bank to offer crypto banking.

Community Bank 64

Community Bank Community Retail FDIC 64

Abrigo

SEPTEMBER 22, 2015

Many community banks see this as a welcomed move towards offering smaller institutions some relief from the regulatory pressures of their larger, national counterparts. The article allowed banking executives to weigh in on the subject. Sound is a $500 million institution.

Community Bank 150

Community Bank Community FDIC Survey 150

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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Community Bank Community How To Meeting 150

American Banker

APRIL 3, 2024

A year ago, the National Community Reinvestment Coalition accused KeyBank of redlining. On Wednesday, the NCRC and Key announced a $25 million "agreement" that NCRC CEO Jesse Van Tol says could open the door to a new community benefits plan.

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Community National Community Bank 81

Abrigo

APRIL 23, 2015

A new bill proposed on April 16 aims to increase the exam cycle period for a larger pool of community banks. would make more banks eligible for an 18-month exam cycle as opposed to the norm of a 12-month schedule. If implemented, hundreds of additional banks would be eligible for the longer cycle.

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Community Bank Community Survey FDIC 150

Abrigo

MARCH 9, 2015

The latest FDIC Quarterly Banking Profile was just released and the industry continues to be led by the nation’s community banks. percent of community banks were unprofitable during the quarter. Net interest income accounts for almost 80 percent of net operating revenue at community banks.

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Community Bank Community FDIC Industry 150

Abrigo

MARCH 9, 2015

The latest FDIC Quarterly Banking Profile was just released and the industry continues to be led by the nation’s community banks. percent of community banks were unprofitable during the quarter. Net interest income accounts for almost 80 percent of net operating revenue at community banks.

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Community Bank Community FDIC Industry 150

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.

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Community Bank Community Capital Analysis 195

Abrigo

JANUARY 22, 2015

According to a recent survey from four Federal Reserve Banks, small regional and community banks have the highest approval rate for small business loans. The 2014 Small Business Credit Survey was a joint operation conducted by the Federal Reserve Banks of New York, Atlanta, Cleveland and Philadelphia.

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Community Bank Community Regional Cleveland 150

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.

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Community Community Bank Regional Lending 193

South State Correspondent

APRIL 4, 2024

Furthermore, high federal government debt does not just lead to higher interest rates but also poses economic, national security, and social challenges. Federal Debt – Impact Banking The path of the federal debt is already changing economic and public dynamics. With time, these changes will only amplify.

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Risk Management Community Bank Policies Community 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

JANUARY 16, 2024

We published various articles comparing community bank alternatives to LIBOR (such as SOFR, Ameribor, Fed Funds, and Prime). We believe that daily and term SOFR offer community banks the safest and most dependable index for benchmarking profitability, pricing loans, and hedging interest rate risk. No ISDA documents.

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Community Bank Community Compliance CA 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