Independent Banker

AUGUST 31, 2021

This year’s winners: Left: Central Valley Community Bank, People’s Choice Award; Middle: Kennebec Savings Bank, Exceptional Community Bank Service Award; Right: Cross River Bank, Emerging Service Program Award. Exceptional Community Bank Service Award. Instead, we give those dollars to the community.”. Asset size: $1.36

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Community Bank Community National Fresno 196

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

South State Correspondent

JANUARY 25, 2024

If rates rise, the bank eats this cost often not knowing that there is a negative mark-to-market value on the loan from Day One. Community banks also offer forwards to poach customers from other banks. But this application also prevents competition from national banks after the construction and stabilization.

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How To Community Bank Community National 195

South State Correspondent

MARCH 5, 2024

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. Cross-sell opportunities, especially demand deposits in today’s market, can double the ROA/ROE on an average-sized commercial loan.

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Community Bank Community National Lending 195

South State Correspondent

MARCH 5, 2024

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. Cross-sell opportunities, especially demand deposits in today’s market, can double the ROA/ROE on an average-sized commercial loan.

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Community Bank Community National Lending 195

Independent Banker

NOVEMBER 30, 2021

Premium benefits packages, professional development and TLC during the pandemic—this year’s winners do everything in their power to keep their community bankers happy and fulfilled. We asked both leaders and staffers to tell us what makes their community banks stand out as employers. Key Community Bank: Leading by example.

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Community Bank Community Texas Leadership 164

Independent Banker

FEBRUARY 28, 2022

Kathy Strasser of IncredibleBank is evaluating marketing campaign management platforms. We asked several banking leaders how they’ve employed fintech to ramp up their marketing campaigns, hone their analytic strategies and gain new patrons in the process. Fintechs know how to reach and work with the community.

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Fintech Marketing Community Bank Community 136

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

South State Correspondent

NOVEMBER 29, 2023

Community banks are striving to increase loan yield and maintain their cost of funding (COF). Unfortunately, pressure on COF is expected to remain, and loans will reprice slower than expected as borrowers with below-market rates will wait until the last maturity day to refinance their credits.

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Community Bank Community Tools Strategy 195

South State Correspondent

MARCH 12, 2024

We covered in detail how and why community banks can increase loan size to improve return on assets (ROA) /return on equity (ROE). In this article, we will consider how and why loan term is a significant driver of profitability for community banks and what community banks can do to improve performance.

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Community Bank Community Strategy Study 195

South State Correspondent

APRIL 10, 2023

While the market focuses on deposits and liquidity, media pundits and analysts are waiting for credit problems to appear. CRE Risk Background While ten years ago, community and regional banks use to make up some 55% of the CRE market, in 2023, these banks now compose approximately 72% (below). touched off a wave of bankruptcies.

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Community Bank Community Los Angeles Regional 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. How can community financial institution leaders manage their challenges and seize their opportunities at the same time?

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Community Bank Kansas City Community Lending 195

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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Tools Community Bank Community Strategy 195

Abrigo

JANUARY 17, 2024

Takeaway 2 AML staff should recognize human trafficking red flags and know their customers well to help detect suspicious activity in their communities. One issue that hurts people and communities everywhere is human trafficking, and January is Human Trafficking Awareness Month.

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Training Community Software Texas 259

Gonzobanker

FEBRUARY 22, 2024

The right talent and tools can equip bankers to take advantage of opportunities in the small business market. As bankers continue to fight the deposit wars, they must move past the polite talk and build a true go-to-market plan to capture the lucrative U.S. No two markets are created equal.

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Lending Community Bank Community Strategy 78

PopularBank

JUNE 23, 2022

At Popular Association Banking, we are happy to see many community associations being proactive with their contingency planning and setting aside money for repairs, replacement reserves and emergency funds, but it is critical that those plans are kept current. For community associations, preparedness is key.

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Community Florida Miami Examples 52

Independent Banker

AUGUST 31, 2022

Against this backdrop, agtech—the application of technology to every aspect of the food production process, from farm to table—is growing in importance to the mission of ICBA and community banks. In fact, community banks provide about $155 billion in agriculture loans. Farmers and Merchants Bank in Milligan, Neb., serves as an example.

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Innovation Community Bank Community Lending 144

South State Correspondent

MARCH 21, 2023

The need for a known, reliable brand creates an excellent opportunity for community banks to help small business customers while building deposit balances. Community banks can now white label this same product to onboard and process employee retention tax credits for the bank’s small business customers AND prospects.

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Taxes Community Bank Community Operations 195

Abrigo

MAY 22, 2015

The Office of the Comptroller of the Currency (OCC) recently featured the multifamily rental housing market in a newsletter examining challenges in the market and how financial institutions are engaged in financing multifamily rental housing. Stiel in a section describing underwriting challenges.

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Marketing Community United States Guidelines 150

FICO

JULY 15, 2021

As the market for global payments and financial services grows, criminals develop new strategies and technologies to make illicit gains. The FICO community allows you to engage with peers and FICO experts to find resources, get answers to questions, submit ideas, and share your knowledge and experiences. by TJ Horan.

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Community Fraud Online Trends 52

Abrigo

SEPTEMBER 21, 2020

Key Takeaways Financial institution executives wondering about changes in their market value premiums might need to look at the assumption used for modeling deposit servicing costs. Like clockwork, in times of low interest rates, financial institution executives have questions regarding the changes in their market value results.

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Marketing Study Analysis Course 195

South State Correspondent

MARCH 28, 2024

By partnering with community leaders, state and federal agencies, local commissions, and commercial customers, banks can be an effective conduit to leverage this public capital better while making sure the funds are fully utilized effectively in the communities we serve. Partnership with aligned community groups will be critical here.

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America Strategy Taxes Community 195

PYMNTS

FEBRUARY 16, 2018

Amid the talk of filling in the small business (SMB) financing gap banks have left since the financial crisis, the rush of FinTechs, alternative and marketplace lenders coming to market may have left another business segment behind: the middle market, particularly the lower middle market.

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Lending Marketing Analytics Capital 101

Abrigo

AUGUST 25, 2021

Many community financial institutions demonstrated their nimbleness on the commercial or small business lending side over the last 18 months with the Paycheck Protection Program (PPP). In this competitive digital market, community financial institutions will have to lean into digital adoption to satisfy customer expectations.

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Lending System Community Retail 195

South State Correspondent

FEBRUARY 27, 2022

ARC enables community banks to take advantage of a flat yield curve, differentiate the bank from market competitors, provide a higher level of service to better customers, and instill more relationship business – all of this leads to more loans and more profitable customers. Current Risk in Term Lending. Why ARC Makes Sense.

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Lending Community Bank Community Meeting 195

Abrigo

MARCH 2, 2023

Banking technology decisions now affect future growth With the possibility of a recession, community financial institutions may consider a delay or cut in technology spending. But a community financial institution often has different needs related to origination than those of a giant lender. Experts say that would be a mistake.

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Technology Lending Community Software 195

Abrigo

DECEMBER 22, 2023

download NOW Takeaway 1 The most popular blog posts on the Abrigo site reflect many of the priorities community banks and credit unions had in 2023. Takeaway 3 Articles specific to small community banks were among the most-read blogs, with best practices for construction lending at the top of the list.

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Lending Risk Management Community Management 221

Abrigo

DECEMBER 18, 2023

WATCH Takeaway 1 Banks and credit unions are critical sources of capital for businesses in their communities, so how institutions assess CRE credits matters. Takeaway 2 Advisors recommend that financial institutions look behind some of the headlines and examine their own markets before ruling out CRE altogether.

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Risk Management Management Lending Capital 221

Independent Banker

OCTOBER 31, 2021

Community bankers tell us why. In early 2021, the $490 million-asset community bank launched its Finastra Consumerbot product, which offers online applications for consumer loans for items like boats and vehicles. Community bankers are increasingly recognizing that the future of digital lending is here. By Beth Mattson-Teig.

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Lending Community Bank Community North Dakota 91

PYMNTS

DECEMBER 14, 2020

We also revamped API documentation to make it more intuitive and listened to feedback from the community of developers we have worked with. "We've built Amazon Payment Services using Amazon technologies that help you monitor payment performance and offer protection against fraud,” Soudodi said in the letter. “We

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Payments Fraud Video Regional 199

PYMNTS

FEBRUARY 19, 2020

According to Bloomberg , the site is under construction on Topanga Canyon Boulevard in Woodland Hills, a neighborhood in Los Angeles, and documents filed with the city show the new location is more like a traditional big box supermarket than a high-tech, high-priced Amazon location. The latter operates without human cashiers.

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Los Angeles Austin Community New Jersey 155

PYMNTS

FEBRUARY 26, 2020

PYMNTS recently spoke with Saqib Sheikh, global head of SWIFT’s ISO 20022 program, to learn more about SWIFT’s commitment to assist the financial community in the transition to the new standard in cross-border payments: ISO 20022. At the request of the community, SWIFT agreed to act as a facilitator in the adoption of ISO 20022.

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Community Compliance Data Payments 261

South State Correspondent

JULY 12, 2023

This will allow a richer message than any other payment rail so that senders can attach documents and data within the payment message. Community bank customers will only have to agree to an irrevocable instant payment, and payment providers will route the payment to the fastest, cheapest, and most stable network. In the U.S.,

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Payments Management Fraud Data 370

South State Correspondent

MARCH 7, 2024

The application spans across a bank so data in multiple calendars, emails, Teams’ messages and documents can be accessed. The banker can then refine the document from there, modifying and customizing as necessary. You can instantly create a five-slide PowerPoint presentation from email copy or an outline in a Word document.

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Training Data Tools Technology 195

Abrigo

FEBRUARY 25, 2022

However, many traditional community lenders will face real challenges meeting their lending goals for more business loans and higher yield, given expected interest rate hikes, higher non-interest expenses, and increasing competition for borrowers. It is the backbone of what many community financial institutions do, and they do it well.

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Lending St. Louis Community Survey 195

Abrigo

MAY 8, 2024

It’s showing up in music and entertainment , education , healthcare , and marketing. Now, Southwest National uses Connect to generate a report in seconds to show examiners the loan concentrations across its markets. GenAI use case for fostering relationship banking Abrigo client BAC Community Bank in Stockton, Calif.

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Examples Fraud Resources Risk Management 221

PYMNTS

OCTOBER 21, 2020

The Water Project aims to bolster access to clean water in Africa, while Children International helps communities, families and kids in multiple countries including Ecuador and India. The rebound was very much expected by the market after the digital currency experienced six days of increases in the prior week. 20), CoinDesk reported.

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Bitcoin New York Taxes Report 234