Independent Banker

NOVEMBER 30, 2022

Clockwise from top left: Grand Ridge National Bank, Wheaton, Ill.; Community Financial Services Bank, Benton, Ky.; In our annual workplace survey, employees of ICBA’s best community banks to work for told us they benefit from engaging cultures, opportunities for advancement and innovative benefits. Grand Ridge National Bank.

Community Bank 169

Community Bank Community Montana Leadership 169

South State Correspondent

MARCH 16, 2022

To make it into the podium, bankers must not only understand how to work with structural components but how to position them for the most efficient application of the creation of value. In this article, we focus on prepayment provisions and look at how a past gold medal winner does it. This is by far the most common provision.

How To 195

How To Community Bank Community National 195

South State Correspondent

DECEMBER 11, 2022

The yield curve shape is an excellent opportunity for community bankers to provide sound risk mitigation and balance sheet management advice to borrowers. We see many community bank borrowers desperately seeking a trusted advisor to help guide them through this volatile cycle. Community banks pride themselves as relationship lenders.

How To 195

How To Community Community Bank Examples 195

Abrigo

JULY 16, 2021

Takeaway 2 Regulations haven't been written, but there are steps community financial institutions can take now to prepare. How to prepare. Currently, the accompanying regulations have not been written, so what should community financial institutions take away from these priorities now? financial system and national security.

Community 195

Community Regulation Training Policies 195

PYMNTS

JANUARY 25, 2021

The National Retail Federation ’s annual convention may have come and gone but the sentiments, strategies and lessons learned from facing nearly a year of pandemic-led changes by some of the world’s largest merchants are going nowhere fast — especially when it comes to their embrace of increased digitalization.

Community 269

Community Retail Strategy National 269

Abrigo

MAY 8, 2015

In recent months, the momentum around reducing the regulatory burden on the nation’s community banks has continued to gain steam. However, the regulatory landscape continues to evolve, leaving resource-constrained community banks to cope with new demands. The second idea is community bank exemption from the Volcker Rule.

Community Bank 150

Community Bank Community How To Meeting 150

South State Correspondent

JUNE 8, 2022

For decades community banks have structured fixed-rate loans with adjustable features – the most popular structure is a ten-year fixed-rate loan with a five-year reprice. With short-term interest rates expected to rise through 2022, many community banks are reconsidering their ALCO strategies. How to Apply to Your Bank.

Community Bank 195

Community Bank Community National Strategy 195

Independent Banker

DECEMBER 31, 2021

Independent Banker ’s annual Community Bank CEO Outlook survey reveals how community bank leaders plan to leverage today’s deposit-laden banking environment to grow this year. How long is your to-do list? Janet Silveria, Community Bank of Santa Maria. So, what’s at the top of community bank leaders’ to-do lists?

Community Bank 144

Community Bank Community Lending Louisiana 144

Independent Banker

OCTOBER 1, 2022

But as the prevalence of security breaches grows, so do the opportunities for community banks to position themselves as guardians of their customers’ personal data through compliance, technology and relationship building. How to reassure customers that their data is protected. By Katie Kuehner-Hebert. Bob Hickok, Eide Bailly.

Data 91

Data How To Community Bank California 91

Independent Banker

DECEMBER 1, 2021

Additionally, a recent survey by FIS shows that 37% of consumers began a new banking relationship with a major national or global bank that had a well-established online portal in the past 12 months. For community banks who are known for putting their customers first, this could be an area of concern.

Community Bank 91

Community Bank Community Fintech Guidelines 91

South State Correspondent

FEBRUARY 18, 2024

We recently reviewed a loan term sheet from a national bank for a $13mm commercial real estate (CRE) loan. This particular national bank has the ability to offer the borrower an interest rate hedge or an on-balance sheet fixed-rate loan. The borrower was provided options on the type of hedge and when to execute.

Management 195

Management National Guidelines Capital 195

PYMNTS

JANUARY 9, 2018

Community banks approved 49 percent of SMB loan applications in November, according to the latest data from the Biz2Credit Small Business Lending Index. Here, again, lies another opportunity for community banks to fill the void. INTRUST Bank recently announced it is also taking part in the trend of collaborating with FinTechs.

Community Bank 131

Community Bank Community Fintech Lending 131

PYMNTS

OCTOBER 9, 2018

However, Dave Gilbert, founder and chief executive officer of SMB alternative lending firm National Funding , said he’s seen a trend of growing traction within the small business community. In its report, S&P found nearly 50 percent of SMB borrowers are too unfamiliar with digital lenders to use alternative finance.

National 167

National Regulation Capital Industry 167

Jeff For Banks

FEBRUARY 20, 2016

On February 14-17 the American Bankers Association held their National Conference for Community Bankers. In terms of taking business from others, the primary, head nodding answer as to how to do it was apple pie. Below are some of the questions addressed, and a summary of ideas on how to attack these challenges.

Conference 60

Conference Community National Millennials 60

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. ” This article explores the recency trap and discusses how to prevent it.

Marketing 195

Marketing Regional National Nashville 195

Ublocal

OCTOBER 30, 2023

From how to winterize water pipes in your home to creating a winter storm emergency kit, here are the top tips for winterizing your home in Vermont and Northwestern New Hampshire. If you’re wondering how to winterize water pipes in your home, start outside. When Should You Winterize Your Home?

New Hampshire 98

New Hampshire Vermont How To Tools 98

Perficient

FEBRUARY 10, 2021

While the Centers for Disease Control and Prevention(CDC ) recommends healthcare consumers over 65 get vaccinated, few communications have targeted these groups or provided understanding and navigation to how to access the vaccine in their community. How are you reaching them?

New York City 484

New York City social media Community System 484

Abrigo

MARCH 17, 2015

According to the latest FDIC Quarterly Banking Profile, community banks continue to thrive and lead the industry. percent achieved that threshold in the fourth quarter of 2014 – they aren’t just competing with large, national banks; their community bank counterparts also account for much of their competition.

How To 150

How To Community Bank Community FDIC 150

Perficient

DECEMBER 15, 2020

DTE Energy’s interactive microsite educates consumers on how to conserve and use energy differently within their homes. Entries are chosen selected on the quality of the art, advertising impact, or both. The Winning Projects.

Tools 475

Tools Policies Industry Community 475

Perficient

AUGUST 25, 2020

Perficient Colleagues Share How to Build a Successful Career in Technology. But if you have too many other obligations, are too unclear about how to proceed, or have other barriers to accomplishing what you promise, set expectations appropriately and make sure your yes means something.” — Lisa Sherwood , senior agency manager.

Technology 572

Technology Groups Training Management 572

Independent Banker

JANUARY 31, 2022

Southern Bancorp partners with other community banks to increase loan accessibility and financial literacy to low-income customers. As CEO of Southern Bancorp, Darrin Williams wants to promote relationships between community banks and CDFIs to create more prosperous communities. Better serving its communities.

Community Bank 172

Community Bank Community Leadership Arkansas 172

Independent Banker

DECEMBER 31, 2022

Community banks can help prevent, identify and report financial elder abuse. A number of ICBA solutions provide community bankers with the tools they need to assist customers who may be experiencing financial exploitation. ICBA Community Banker University courses. How to respond to elder financial abuse. CRA Partners.

Training 91

Training Community Resources Course 91

Perficient

JULY 8, 2020

Green Team meeting on how to be sustainable during the quarantine. “My colleagues in Chicago go above and beyond in their work, uplifting others both in and outside of our community. Virtual gathering to tackle the slippery slope of declining penguin counts. On the Path to Continued Success.

Chicago 520

Chicago St. Louis Company Minneapolis 520

South State Correspondent

JANUARY 18, 2023

In this article, while we have discussed how to sell prepayment penalties in the past, we now look at their current importance. The first is a step-down, and it is by far the most common prepayment provision used by community banks. Why Use Prepayment Penalties? For example, on a 5-year loan, the bank may charge a 5,4,3,2,1 prepayment.

Community Bank 195

Community Bank Examples Community How To 195

Independent Banker

MARCH 31, 2022

After a historic tornado rocked western Kentucky last December, a host of community banks banded together in the spirit of generosity, using their financial power to start relief funds and bolster rescue efforts for local victims. After that first day, we gathered at the bank to figure out [how] to provide for our clients,” Overby says. “We

Kentucky 163

Kentucky Community Bank Community Wisconsin 163

South State Correspondent

MARCH 5, 2022

Community banks face intense competition for profitable borrowers and relationships. With short-term interest rates rising and long-term rates still at historically low levels, all bankers should understand how swap spreads may provide a competitive lending advantage. Conclusion.

Community Bank 195

Community Bank Lending Community Regional 195

Abrigo

MAY 5, 2022

Other podcasts might be internationally based and of little interest to community financial institutions or credit unions based in the U.S. Main Street Banking: A Podcast for Community Bankers 8. It also examines how community banks are different than other types of financial institutions, along with strategies for optimal operations.

Community 195

Community Lending Maine Resources 195

Independent Banker

SEPTEMBER 30, 2021

Changing customer banking habits means it’s more important than ever for community banks to use every tool at their disposal. Community banks may have longstanding relationships with their core vendors, but that doesn’t always mean they keep up to date on all the latest features and functionalities. Mike Daniels, Nicolet National Bank.

Community Bank 91

Community Bank Community Milwaukee Jacksonville 91

Chris Skinner

MAY 1, 2017

Which country is still struggling to work out how to make a faster payment? Back in December, I picked up on this new Office of the Comptroller of the Currency (OCC) Ruling to issue national FinTech bank charters. FinTech community on edge As it turned out, the proposal caused a firestorm among numerous FinTech industry stakeholders.

America 211

America Fintech National Regulation 211

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).

Community Bank 195

Community Bank Community Lending Regional 195

Perficient

JANUARY 28, 2021

How to Avoid a Phishing Scam. You can get involved at home, at work, and in your community. Learn more about Data Privacy Day , including Privacy Tips for Parents and the chance to quiz yourself with the National Privacy Test and Google Phishing Quiz. Never Reuse a Password: Or else your hard work is for nothing.

Data 535

Data Security Software Community 535

South State Correspondent

JANUARY 25, 2024

Forward Rate Lock Tools National lenders have been using locks for decades, and these instruments can take many forms. Community banks that use our ARC hedging program have used forward rate locks for the following scenarios: Community banks use forward-term loan commitments to offer single-close construction through permanent financing.

How To 195

How To Community Bank Community National 195

FICO

NOVEMBER 29, 2018

What are the funding options for these groups that the SBA is offering and how can your organization better serve them as well? The programs and NAGGL event attract mostly community banks and credit unions across the US because the SBA is known for connecting businesses with their local providers. Or visit our website.

Community 67

Community Community Bank Policies Leadership 67

South State Correspondent

DECEMBER 8, 2023

The need to reduce cost, the move to instant payments, and the need to deliver more unique products and services are all driving this effort at credit unions, community banks, and mid-sized banks. However, banks differed in how to get there. Many banks were looking to install more automation to lower operating costs.

Conference 195

Conference Retail Community Bank Technology 195

South State Correspondent

SEPTEMBER 20, 2023

We are happy to have an ongoing discussion about how to improve your cash management profitability and capabilities. National and regional banks control 70% of the cash management market, yet most cash management customers choose their bank because of service. Want More Information About Cash Management?

Management 195

Management Survey Industry Community Bank 195

Independent Banker

NOVEMBER 30, 2021

First Southwest Bank is carving out new business models to address a need for credit and financial services through nonprofit lending programs and software that leverages its community development financial institution (CDFI) funding. The $435 million-asset community development financial institution (CDFI) in Alamosa, Colo.,

Colorado 119

Colorado Community Bank Community New Mexico 119

MyBankTracker

JUNE 23, 2020

Many large companies focus solely on profit, ignoring how their actions can have a negative impact on the wider world. Sustainable investing lets people invest in companies that take the opposite path, prioritizing having a positive impact on their communities and the planet alongside profit. How to Invest $100 a Month Wisely.

How To 52

How To Examples Leadership Meeting 52