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Robert Fisher: The nimbleness of community bankers

Independent Banker

Let’s rediscover what it means to be community bankers. Let’s exercise our nimble natures to exceed customer expectations. Because as community bankers, it’s what we do. That just may be community bankers’ word of the year. Mergers and acquisitions in our markets may lead to opportunities to draw in new customers.

Community 171
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The Steps and Tools For Tactical Loan Refinancings

South State Correspondent

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
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Building A Digital And Subscription Community For Hockey Parents

PYMNTS

They keep their business personal: the product manager is a hockey coach and hockey dad who is out on the rinks daily, thinking of new products and ideas to cater to other parents of budding young hockey stars. The company’s largest target market is the 12-and-under age group. The Marketing Strategy .

Community 161
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The Risk Your Asset/Liability Management Process Might Be Missing

Abrigo

ALM | 4 minute read Key Takeaways Many financial institutions view asset/liability management as a "check-the-box" regulatory exercise. An extreme focus on using ALM to manage the risk of rising rates means some FIs overlook using ALM to grow earnings and capital, putting them at risk of underperformance. Get started.

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How to Choose a Hedge Provider as a Bank

South State Correspondent

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
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Navigating The Overstuffed Weight Loss Market

PYMNTS

Depending on how one defines the terms “weight management” or “weight loss services,” the industry is projected to be valued at $21 billion on the low end up to $443 billion on the high end by the year 2025. The firm recently raised $10 million in Series A funding to push its sustainable lifestyle-changing app into the wider global market.

Marketing 131
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How to Set Your Strategic Planning Time Horizon

South State Correspondent

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. Bank management is hyper-focused on net interest margin. Why is that?

How To 195