Community Course Lending Regional 
South State Correspondent
JUNE 10, 2015
In the course of our work with community bankers, we deal with hundreds of banks across the country and talk to thousands of lenders. Competition is intense and every lender is looking for an advantage against the national or regional bank.
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. Recency Trap Experiment Of course, please don’t take our word for it. There is a reason for this.
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South State Correspondent
MARCH 6, 2023
We argued that community banks should favor 1.40X to 1.50X DSCR credits, as that is the minimum cash flow required to withstand a standard recession. Many national and regional banks incorporate a minimum debt yield ratio as an underwriting criterion. debt yield ratio ($135k divided by $1.5mm).
PYMNTS
SEPTEMBER 24, 2018
CNBC, citing an interview JPMorgan Chase Chief Executive Jamie Dimon had with Jim Cramer on Squawk Alley, reported the company is gearing up to open 50 new branches in Philadelphia, Delaware and southern New Jersey during the course of the next five years. in an effort to strengthen its retail business. JPMorgan is the largest U.S.
South State Correspondent
SEPTEMBER 20, 2023
Of course, all things are rarely equal. National and regional banks control 70% of the cash management market, yet most cash management customers choose their bank because of service. Community banks have an inherent advantage in delivering more personalized service and faster decision-making than national banks.
Jeff For Banks
NOVEMBER 19, 2014
But in strategic planning retreats that I moderate, community financial institutions insist that they lend to small businesses. In fact, when I recently spoke to a group of New York bankers, I opined that community FIs would lend to small businesses only if they have three years of operating profit and a building as collateral.
PYMNTS
JULY 25, 2017
For value, the Federal Reserve estimates that a college grad will make about $830,000 over the course of a lifetime; the Georgetown University Center for Education and the Workforce estimates the value at around a cool million. Lending-as-a-Service. There are currently 13,000 community banks in the U.S.,
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