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.

How To 195

How To Community Bank Community FDIC 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.

Tools 195

Tools Community Bank Community Strategy 195

PYMNTS

JULY 1, 2020

In a move that caught much of the world off guard, athleisure giant Lululemon announced plans this week to buy home-exercise technology startup Mirror for an impressive $500 million. The world of personal fitness might never go back to a time where brick-and-mortar gyms were the central hub of exercise.

Exercises 195

Exercises America Online Community 195

Independent Banker

NOVEMBER 30, 2022

In 2022, ICBA’s award-winning ThinkTECH Accelerator program reached more community banks with innovative solutions and partnerships than ever before. For ICBA and our community bank members, 2022 was a year full of potential. In step with community bankers. By Charles Potts, ICBA. I couldn’t agree more.

Community Bank 99

Community Bank Community Innovation Atlanta 99

Jeff For Banks

AUGUST 2, 2021

23/ @Schornack Writing a report to our board even if you are a small SMB, I believe is a great exercise to organize and validate your management decisions. It covers the high risk clients, the cash flow and capital needs of the organization, our employees, and many other items as the come forward to drive conversation.

Community Bank 78

Community Bank Community Minnesota Metro 78

PYMNTS

APRIL 14, 2020

Americans have a complicated relationship with physical fitness, particularly when it comes to getting enough exercise. There’s nothing like being in a class physically with a community and an instructor. One might assume the firm was perfectly positioned for the rapid shift to home-based exercise. It’s not the same, right?”

Exercises 141

Exercises Community Boston Industry 141

PYMNTS

JULY 29, 2020

Athleisure giant Lululemon announced the acquisition earlier this month of home exercise startup Mirror for an impressive $500 million. She said working out had been about community, and her firm believed a physical space was the best place to build that. “I expected we’d be where we are today in five years.”.

Exercises 157

Exercises San Francisco Community User Experience 157

PYMNTS

FEBRUARY 7, 2020

Luxury gym operator Equinox has secured funding from Silver Lake, an equity firm, in its continuing bid to compete with exercise giant Peloton, according to a report by Bloomberg. The real game changer is a plan to introduce a SoulCycle bike that’s made for use at home, which will be a direct challenge to Peloton’s own home exercise bike.

Exercises 136

Exercises America Community Meeting 136

PYMNTS

SEPTEMBER 16, 2020

Overall, home exercise and equipment makers like Tempo, Mirror, and Peloton have attracted heavy investor interest as gyms have been forced to shut down by state and city governments. “We

Long Beach 165

Long Beach Training Exercises Capital 165

PYMNTS

MARCH 3, 2020

As an indication of that, when the market started to tank in February, stocks of the company that pioneered internet-connected home exercise equipment rose. “With new COVID-19 hotspots in South Korea, Italy and Iran, we believe certain U.S. Gyms could close or clients might avoid them, making the case for safer home workouts.

Exercises 153

Exercises Regional United States Examples 153

CFPB Monitor

DECEMBER 1, 2022

The plaintiffs argue first that they are entitled to summary judgment based on the decision in Community Financial Services Association of America Ltd. CFPB , in which a Fifth Circuit held the CFPB’s funding mechanism violates the Appropriations Clause of the U.S. Constitution. Constitution.

Texas 78

Texas Groups Exercises Community 78

Abrigo

SEPTEMBER 11, 2023

Automation also helped financial institutions better serve their communities by, for example, reducing the time it takes to process a loan application. Fintechs have developed a strong competency around these advances. Learn how technology helped a financial institution during uncertain times.

Risk Management 195

Risk Management Data Technology Fintech 195

The Paypers

JANUARY 31, 2020

EU Member States lose EUR 170 billion a year due to tax avoidance practices exercised by the wealthiest citizens and multinational corporations operating in the EU.

Taxes 31

Taxes Exercises Community Operations 31

South State Correspondent

FEBRUARY 22, 2024

For example, at present, return on equity performance is about 12% for the average community bank. Research & development, product design, human capital and brand building is usually a next year item when it should be a next decade exercise. Banks consistently produce under their cost of capital. Why is that?

How To 195

How To Strategy Capital Lending 195

The Emmerich Group

APRIL 11, 2024

Rate matching is the most destructive force in community banking today. And because of it, as a community bank, you are underpaid for the value you deliver. We took them through an exercise to develop their USPs. You deserve to get paid more. How does that sound?

Video 36

Video Community Bank Community Exercises 36

PYMNTS

JULY 1, 2020

Meanwhile, Lululemon announced plans this week to buy home-exercise technology startup Mirror for $500 million. The deal comes as the global pandemic has shut down gyms nationwide, leaving U.S. consumers finding ways to digitally transplant their gym workouts into their homes. “In

Exercises 249

Exercises Branding Retail Customer Experience 249

PYMNTS

SEPTEMBER 29, 2017

A smartwatch can act as a personal trainer that motivates the user to reach daily exercise goals. Philips said installing the smart pole and expanding wireless to urban areas can help public officials in these communities access a wide range of IoT benefits, such as improving emergency services and air quality monitoring.

Payments 131

Payments Report Exercises Community 131

ABA Community Banking

SEPTEMBER 14, 2022

After a long legislative and regulatory advocacy effort, federal thrifts can finally elect "covered savings association" status, allowing them to exercise national bank powers without having to change their charters, holding companies or cultural identities as savings institutions.

Exercises 52

Exercises National Company Community Bank 52

Independent Banker

APRIL 30, 2022

During the pandemic, many community banks needed to change how they operated. It can clarify roles and responsibilities, encourage timely communication and help community banks operate more efficiently. When the pandemic hit in early 2020, mitigating risk took on a whole new meaning for community banks. By Susan Springer.

Oregon 91

Oregon Community Bank Community Meeting 91

PYMNTS

DECEMBER 11, 2017

How to decide what exercise to embrace? Here’s where trial and error come into play, and where a sense of community also helps to reinforce the notion that when it comes to exercise , reinforcement is key. And, once decided, how to stick to it, with stick-to-itiveness?

Exercises 103

Exercises Community New York City United States 103

PYMNTS

SEPTEMBER 12, 2018

It is an effort that is making an impact, particularly in the niche community it serves. According to one InTheBlack reviewer, among exercise enthusiasts who run, swim and bike, Strava isn’t just the place users go to log their athletic activities — it is where they goes to verify they exist.

social media 100

social media Exercises Training Leadership 100

Independent Banker

AUGUST 31, 2022

The ICBA Community Banker University team recently had a chance to think about that when, at our annual strategy and teambuilding meeting, we found ourselves locked in an escape room. The object of the exercise was clearly articulated from the outset, and we had to collaborate to accomplish our goal. By Lindsay LaNore, ICBA.

Exercises 118

Exercises US Groups Maine 118

PYMNTS

OCTOBER 15, 2018

Earlier this year, Virgin Money introduced enhanced SMB services, including its small business deposit account; the merger will continue that effort to enhance digital banking for the small business community. CYBG first announced in May that it had reached an agreement to acquire Virgin Money.

Exercises 166

Exercises Branding Customer Experience Course 166

ABA Community Banking

MARCH 26, 2020

Asset-liability management is often treated as a compliance exercise, not a decision engine. How can ALM help improve banks’ performance? . The post Getting the Most Value from Your ALM Process appeared first on ABA Banking Journal.

Exercises 69

Exercises Compliance Management Taxes 69

Independent Banker

OCTOBER 1, 2022

Encourage your team to work reasonable hours, get enough sleep, take breaks, go on vacations and exercise. Giving team members time to volunteer within the community. Take advantage of your health insurance provider’s wellness tools and make staff aware of them. Tangible steps you might take include: Setting realistic goals.

How To 109

How To Exercises Tools Groups 109

Abrigo

NOVEMBER 11, 2019

ALM | 4 minute read Key Takeaways Many financial institutions view asset/liability management as a "check-the-box" regulatory exercise. Community financial institutions are familiar with utilizing their asset/liability management solutions to limit the risk of rising interest rates.

Management 150

Management FDIC Community Risk Management 150

PYMNTS

JULY 21, 2020

Dagres and Morin have a great deal of respect for what Peloton has done, and they hope to create a similar community. Connected fitness allows them to exercise at home and still get the benefits of a gym, with the addition of that social aspect of personal training.”. So far, Liteboxer has raised $6 million in funding.

Los Angeles 142

Los Angeles Exercises US Training 142

PYMNTS

OCTOBER 6, 2020

Several verticals, such as the T&E, airlines and exercise industries – pretty much any industry where in-person is a part of commerce – have been impacted. Against that backdrop, communication with end users could effectively avoid the dispute process among all stakeholders.

Fraud 205

Fraud Exercises Examples New York 205

ABA Community Banking

OCTOBER 8, 2017

Bank with savings roots grows via commercial, exercises caution on CRE Management Financial Trends CSuite Community Banking.

Exercises 40

Exercises Community Bank Community Trends 40

PYMNTS

MAY 24, 2019

Aerobic workouts, strength training, Pilates, yoga, cycling – name a form of exercise, and the odds are good to great that there plenty of fitness apps one can choose from to work out at home. So what we really care about is where accountability meets that community. You really need it to be a part of who you are, your routine.

Exercises 139

Exercises Video Millennials Branding 139

PYMNTS

AUGUST 20, 2020

There’s less personal feedback from instructors, less feeling of community and a set of genuine space and expense limitations that keep customers from recreating their entire workout routines at home. He said that consumers still like the immersive and varied exercise experiences that in-person gyms are uniquely able to offer.

Industry 207

Industry Exercises Groups United States 207

Abrigo

NOVEMBER 8, 2019

However, the lack of prescriptive guidance on how to effectively stress the loan portfolio has created challenges for some community financial institutions. Financial institutions see the most benefit from stress-testing exercises when they are embedded within an overall risk management process.

Lending 150

Lending Risk Management Analysis Capital 150

PYMNTS

SEPTEMBER 29, 2017

in the form of smart poles that improve urban communities’ access to wireless networks and LED lighting. Smartwatches are known to act as personal trainers, motivating users to reach daily exercise goals, track one’s heart rate or count calories and steps, among other functions.

Innovation 111

Innovation Data Exercises Study 111

PYMNTS

FEBRUARY 19, 2020

Users set a weight loss goal and then undertake a customized diet and exercise plan to attack that goal over a 16-week period, during which time they log their food consumption and exercise. Noom is an app-based method for tracking calories and activity.

Marketing 131

Marketing Exercises Course Big Data 131

Gonzobanker

APRIL 3, 2019

Deploy strategic delivery plans—aligning with strategic or tech plans —that may start with a journey-mapping exercise. About one-third of community banks are planning to add or replace this technology. Switch out sales pitch-oriented collateral with interactive and compelling information to drive self-buying.

social media 125

social media Exercises Millennials Training 125

PYMNTS

JULY 10, 2020

It’s been a coordinated effort — regulatory-driven, highly standardized and thrust upon the banking community. it’s been an organic-but-inevitable exercise, driven primarily by innovation and consumer demand.”. “In recent years, we’ve seen the heavily regulated version of open banking in the E.U.,” Cohen said. In the U.S.,

Data 272

Data Innovation Fintech Illinois 272

PYMNTS

JULY 10, 2020

Two primary concerns dominate the conversation about integrating drone technology into German communities: safety and environmental impact. German citizens, according to a report in Drone Life , aren’t ready. More than 55 percent oppose the use of delivery drones.

Virginia 168

Virginia Exercises Technology Leadership 168