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. The anecdote I used was how the Stephen's Island Wren was rendered extinct by a lightkeeper's house cat. Much like competitors nip at community banks' customers.

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Independent Banker

JANUARY 31, 2023

Community bankers and industry experts share how to best put this data to use. By Colleen Morrison Data is the new currency for Big Tech, business, banking and beyond. billion-asset First State Community Bank in Farmington, Mo. All data creates a competitive advantage. The results?

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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.

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Independent Banker

MAY 31, 2022

Community continuation is not about checking a regulatory box; it means putting a name to the people who will be the future of our banks. It’s our teams—our employees in every level of the organization, with their varied experiences, strengths and skills—who help us grow as leaders and as banks. Photo by Chris Williams.

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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. I went to work for a community bank, kind of by accident, and found the job love of my life,” he says. “I That love of community has defined his career.

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BankInovation

MAY 25, 2023

SAN FRANCISCO — Regional banks and credit unions should redefine what it means to be a “community” financial institution when considering new technologies to tap into underserved customer groups. “I love the idea of changing the way we think about community banks from, instead of the community that’s near us, is there a niche community of customers (..)

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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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PYMNTS

APRIL 2, 2019

MOXY bank , preparing to be one of the first new community banks to launch in the U.S. in decades, has announced that it is working with technology solutions company NYMBUS to integrate its core digital banking and payment services.

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The Emmerich Group

JANUARY 31, 2024

Yes, there was a day where they came looking for us. Yes, the amount of traffic coming into Continue Reading The post The Transactional to Transformational Model for Community Banks appeared first on Emmerich Financial. Yes, there was a day when the customers would walk into our lobbies. Yes, I remember those days, too.

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The Emmerich Group

JANUARY 20, 2022

There are many new trends that are hitting us in banking. Let’s face it, it’s not like it used to be. And let’s also talk about how to make sure that you’re successfully managing some of these banking trends. Banking Trend Number One. Continue Reading.

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Banking Exchange

JULY 11, 2021

In reality, it’s been with us for decades Community Banking Technology Financial Trends Feature Digital Mobile Tech Management Online. For some reason, the term digital still strikes many as new and futuristic.

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Independent Banker

DECEMBER 31, 2021

Let’s rediscover what it means to be community bankers. Because as community bankers, it’s what we do. That just may be community bankers’ word of the year. As we enter 2022, we are balancing low margins, high wages, too much liquidity and a lack of loan demand, and we have our work cut out for us. My Top Three.

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PYMNTS

JUNE 25, 2019

Community financial institution (FI) Cross River Bank is acquiring Seed , a small business (SMB) digital banking company, reports in Reuters said on Monday (June 24). Cross River Bank has partnered with a range of FinTech startups since its 2008 launch, including collaborations with Stripe , Coinbase and Affirm , reports said.

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Independent Banker

DECEMBER 1, 2021

The pandemic forced us to find new ways to interact with customers. Many of today’s banks have recognized this shift and are looking for new ways to attract, engage, and retain their customers, all while providing a great experience. 18% of these consumers opened an account with an online-only direct bank.

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Banking Exchange

OCTOBER 1, 2020

Since the Great Recession, larger banks have been cutting back their small business lending programs Community Banking Feature3 Feature The Economy Technology Covid19 PPP.

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Community Bank Community Technology US 88

South State Correspondent

JULY 30, 2023

How should community banks target and compare their ROE to the industry and their peer group, and what defines a top-performing bank? Most importantly, is there an ROE level ensuring a bank remains long-term independent and healthy? Bank ROE Historical Performance Total assets for all FDIC-insured institutions was $23.7T

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Banking Exchange

SEPTEMBER 13, 2020

Community bank lenders were caught flat-footed by both the need to process large numbers of complex PPP loans quickly and support the ever-shifting guidelines from the SBA Community Banking Feature3 Feature Technology Tech Management The Economy Covid19.

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Banking Exchange

JUNE 10, 2020

Cross River Bank’s partnerships with more than 30 fintech companies has enabled it to loan more than PNC, US Bank and Trust Community Banking PPP Covid19 Feature Financial Trends Duties Feature3 The Economy.

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South State Correspondent

AUGUST 21, 2023

That publication was referenced in the media as a US bank rating action, with a downgrade to ten larger banks (and a negative outlook to 11 other larger banks). However, that publication, directly and indirectly, identified three discrete risks affecting community banks.

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Banking Exchange

OCTOBER 26, 2020

Specialist financial services investor FJ Capital says the economic recovery and ultra-low interest rates make for ideal merger and acquisition conditions Management M&A Feature Feature3 Community Banking.

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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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The Emmerich Group

NOVEMBER 4, 2021

Yes, there was a day where they came looking for us. The post The Transactional To Transformational Model for Community Banks appeared first on Roxanne Emmerich. Yes, there was a day when the customers would walk into our lobbies. Yes, I remember those days, too. Those days are long gone And it was a rapid turn.

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South State Correspondent

APRIL 4, 2024

Unlike previous spikes in debt levels, the projected debt increases are being driven by financing gaps in Medicare and Social Security, and the rapid aging of the US population drives demand for both. Federal Debt – Impact Banking The path of the federal debt is already changing economic and public dynamics.

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Independent Banker

DECEMBER 31, 2022

We simply need to remember what makes us special as community bankers, and with that as our foundation, we can embrace this season of change in four primary ways: 1. Demonstrating the community bank difference. They want to come into the bank and say, “We need your support to figure things out.” My Top Three.

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Independent Banker

APRIL 1, 2021

Unlike our credit union counterparts, we pay taxes, and those tax dollars are spent at home to ensure our communities grow. As we kick off Community Banking Month, I can’t help but reflect on that statement and the changes of this past year. And community banks are the heartbeat of these efforts.

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South State Correspondent

JANUARY 16, 2024

The reason for the cessation of BSBY is simple – lack of use. BSBY was not well received by US regulators from its inception, but the market eventually embraced SOFR over BSBY. We published various articles comparing community bank alternatives to LIBOR (such as SOFR, Ameribor, Fed Funds, and Prime). No ISDA documents.

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Finer Points

JANUARY 5, 2015

I am humbled and grateful for the opportunity to kick off another year representing the nation’s community banks, an industry that has made its mark through honest dealing, community involvement and personalized customer service. Over the holidays, I read an article that reminded me just how good all of us have it who […].

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South State Correspondent

MARCH 28, 2023

Empirical evidence, historical bank failures, and common sense teach us that many risks do not translate to higher yields. This article will compare pay-for-risk vs. relationship banking business models for community banks. Over time, the market does not adequately compensate banks for credit and interest risk.

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South State Correspondent

OCTOBER 9, 2023

In two articles in the past few weeks ( here and here ), we discussed how the “higher-for-longer” interest rate environment will affect the community bank sector – continued increase in the cost of funds (COF), steady yields on loans, and a decrease in net interest margin (NIM) will put severe pressure on ROE for new loan originations.

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Independent Banker

JANUARY 31, 2023

Photo by Chris Williams When we assemble at LIVE, it’s about coming together to ignite the passion for community banking on behalf of our communities in a way that moves the industry forward. We are a family of community bankers, supporting one another and our communities through our shared mission, vision and values.

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Independent Banker

AUGUST 31, 2020

“As the cornerstones of the community, community bankers offer a light in the darkness of hard times.”. Bolstered by the unfailing dedication of community banks, our communities will continue to weather the storm. Working together, hand in hand with our communities, community bankers make a difference.

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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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NCR

DECEMBER 18, 2017

Community banks are an integral part of the US banking system. In the US, a community bank is typically defined as one with assets of less than $1 billion – and for many people a local credit union or community bank is often the first choice when opting for a financial services provider.

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South State Correspondent

JULY 10, 2023

One possible solution to this dichotomy is for banks to offer interest rate swaps to hedge individual loans. This article will review domestic banks’ adoption of interest rate swaps. Next week’s article will consider the challenges and possible solutions for community banks to adopt loan hedging programs.

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Independent Banker

JANUARY 31, 2023

Photo by Chris Williams [ICBA LIVE is] an opportunity to continue training up the next generation, so I would encourage community bank leaders to join us and bring your rising community continuators with you. I thought I already loved community banking, but I didn’t realize how much until then.

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The Paypers

JULY 27, 2022

CSI ), a US-based provider of end-to-end fintech and regtech solutions, has partnered with Bankers Helping Bankers to help the organisation’s mission of empowering community banks. Computer Services, Inc. (

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Jeff For Banks

AUGUST 2, 2021

Many of those original employees are still with us. In June 2021, we were up to six locations, $327.6 million in assets and $233.7 million in loans. Here's some lessons learned along the way. 5/ @Schornack Employees in a service business like ours are key. Good people helping good people, always.

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