Independent Banker

FEBRUARY 28, 2023

wanted to be a financier before finding his way to community banking. Photo by Harold Daniels Derek Williams, president and CEO of Century Bank & Trust in Georgia, is bringing his passion for community banking to his term as ICBA chairman for 2023/24. But, unlike many in the industry, this profession wasn’t in his blood.

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Community Community Bank Georgia San Antonio 172

Independent Banker

APRIL 30, 2022

Loan providers share an infectious enthusiasm and growing optimism for one vertical’s prospects in 2022: commercial lending. Here’s how community bankers can take advantage of various sectors—including SBA lending—over the next 12 months. anticipates a low double-digit increase in its commercial lending in 2022.

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Lending Community St. Louis Community Bank 158

South State Correspondent

SEPTEMBER 18, 2023

This development is very important to community banks, as their efficiency ratio also increased, but to 61.63%. The national banks have already indicated how they plan to reverse the efficiency ratio increase – through headcount reduction. The industry has already reported a 0.65% decrease in full-time employees QoQ in Q2/23.

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Management How To Community Bank Community 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. Relationship banking involves commercial officers who can add valuable insight to clients through industry, market, product, and pricing knowledge.

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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. Relationship banking involves commercial officers who can add valuable insight to clients through industry, market, product, and pricing knowledge.

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Community Bank Community National Lending 195

Independent Banker

APRIL 30, 2022

Independent Banker’s annual listing top-performing community banks of 2021 alongside interviews with some of the winners. In true community bank fashion, each has its own story to tell and its own path to success. In true community bank fashion, each has its own story to tell and its own path to success. Philadelphia.

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Community Bank Community Montana Taxes 172

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.

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Community Bank Community Montana Leadership 169

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

Abrigo

JULY 16, 2021

Takeaway 2 Regulations haven't been written, but there are steps community financial institutions can take now 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. financial system.

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Community Regulation Training Policies 195

CFPB Monitor

NOVEMBER 22, 2021

At an industry fair lending conference last week, officials from the U.S. Department of Housing and Urban Development (“HUD”) outlined fair lending priorities for their agencies. along racial, ethnic and national origin lines. along racial, ethnic and national origin lines.

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Conference Lending Industry Regulation 78

South State Correspondent

APRIL 15, 2024

We feel that as community bankers, we can learn from Jamie Dimon (Chairman and CEO of JPM) and from Warren Buffet’s annual shareholder letters. As usual, it was full of insight that every community banker should consider. Our focus is on information that pertains to the community banking industry.

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Community Community Bank Leadership America 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

South State Correspondent

AUGUST 21, 2023

However, that publication, directly and indirectly, identified three discrete risks affecting community banks. We will outline what we think community bankers should glean from this publication. Risks to the Community Banking Sector Moody’s identified three risks to the banking sector, including risks to community banks.

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Community Bank Community Capital Analysis 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. Janet Silveria, Community Bank of Santa Maria. So, what’s at the top of community bank leaders’ to-do lists? What changes will 2022 bring?

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Community Bank Community Lending Louisiana 144

Abrigo

JANUARY 30, 2024

Get your ticket now for ThinkBIG, an industry-leading learning and networking event. REGISTER Takeaway 1 Banking and compliance professionals rely on ThinkBIG to elevate their understanding of industry shifts and regulatory pressures. Still on the fence about attending the ThinkBIG 2024 conference?

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Abrigo

NOVEMBER 21, 2014

Now that banks have filed their third quarter financial reports , what did the lending picture look like last quarter? Nationally, the picture is a fine one. Total commercial and industrial (C&I) loans across all 6,600+ U.S. bank and credit union, named the “ Top 15 community banks by commercial loan growth.”

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Lending South Carolina Miami Community Bank 186

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. Critical capital Should CRE lending be off the table? But that might not be the best move for your financial institution or your community.

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Risk Management Management Lending Capital 221

PYMNTS

JANUARY 9, 2018

With big banks pulling back from small and medium-sized business (SMB) lending in the wake of the global financial crisis, the market was ripe for someone else to fill the credit gap. Community banks approved 49 percent of SMB loan applications in November, according to the latest data from the Biz2Credit Small Business Lending Index.

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Community Bank Community Fintech Lending 131

Independent Banker

MARCH 31, 2022

Executive committee members tell us what advocacy issues they’ll be focused on during their terms, while board members share their words of wisdom for up-and-coming community bankers: themselves. To sum it up, these leaders are all in and all heart for community banking. We are not Wall Street banks—we are community banks.

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Community Bank Community Industry Texas 239

South State Correspondent

MAY 23, 2022

Customers and competitors are challenging community banks to extend loan duration – borrowers are eager to lock fixed rates before they rise further, and many competitors are happy to oblige. But what are the optimal fixed terms for community banks given today’s interest rate, credit, and liquidity environment? The Lending Curve.

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Lending Community Bank Community Capital 195

PYMNTS

OCTOBER 9, 2018

The alternative finance boom post-2008 financial crisis undoubtedly provided more options for small business (SMB) borrowers, but that doesn’t mean the industry is guaranteed to become a staple among entrepreneurs seeking financing. hasn’t seen the same industry growth trajectory, however. In the U.S.,

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Independent Banker

JUNE 30, 2022

Last year, community bank loan producers were faced with both record-low interest rates and a glut of deposits. But as they always do, they came through for individuals and businesses in their communities with a combination of personalized service and prudent risk management practices. Ag lending in the South: Relationships matter.

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Community Bank Community National Philadelphia 172

PYMNTS

SEPTEMBER 30, 2020

The House committee held a hearing on the idea after Acting Comptroller of the Currency Brian Brooks in July proposed a new special purpose national banking charter for payments companies. However, the banking industry doesn’t like that one bit. “We Specific Concerns .

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Regulation National System Industry 349

South State Correspondent

JULY 10, 2023

Next week’s article will consider the challenges and possible solutions for community banks to adopt loan hedging programs. In a National Bureau of Economic Research paper (working paper 31166), the authors (McPhail, Schnable, Tuckman) analyzed individual swap positions for the largest 250 US banks. On average, 80.4%

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Community Bank Community Tools Management 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. Weekly episodes highlight innovators and industry players driving innovation in the financial services industry. BankTalk 3.

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Community Lending Maine Resources 195

PYMNTS

OCTOBER 13, 2017

When the impact stretches across oceans, nations and demographics, though, and those affected number in the hundreds of millions, a sea change is a-swelling. How do they make decisions about retail transactions, lending activities or money transfers in milliseconds? Equifax brings a few key questions to mind.

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Industry Security eBook Data 144

PYMNTS

FEBRUARY 7, 2019

tax reform led to much chatter and some confusion about exactly how changes would impact the nation’s small businesses (SMBs). Department of Treasury finalized rules that apply to SMBs on qualifying for a 20 percent tax deduction, with the National Federation of Independent Business (NFIB) applauding the initiative.

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Taxes Lending National New York 122

PYMNTS

JANUARY 26, 2021

division of L’Occitane has filed for Chapter 11 bankruptcy, while AutoFi is shifting into high gear with the debut of its “lending as a service” division. California’s AutoFi is shifting into high gear with the rollout of its “lending as a service” arm targeted toward corporate clients. “In In today’s top retail news, the U.S.

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Retail US New Jersey New York 239

PYMNTS

JUNE 29, 2016

Venture capitalists continue to back the alternative lending startup community despite recent fallout from Lending Club and revelations the company’s then-CEO Renaud Laplanche allegedly falsified loan documents. Also on Tuesday, India alternative lending marketplace Lendingkart announced its own investment round.

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Lending Capital Industry Fintech 101

South State Correspondent

APRIL 12, 2022

We feel that as community bankers, we can learn much from Jamie Dimon (Chairman and CEO of JPM) and from Warren Buffet. As usual, it was full of insight that every community banker should consider. Our focus is on information that pertains to the community banking industry. 3) Community Focused.

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Community Community Bank Leadership Lending 195

PopularBank

MAY 24, 2024

By Andrew Boland – Director of National Healthcare Financing, Popular Bank A minimum staffing standard for nursing homes across the country was unveiled last month, raising concerns from operators and industry leaders over the impact the mandate will have on their ability to maintain adequate access to long-term care. Stay informed.

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Operations Training Community Meeting 52

South State Correspondent

JUNE 9, 2022

Many community banks are searching for ways to increase fee income, and many bank CEOs have concluded that fee income is a significant driver of revenue and profitability. We argue that larger banks do not have an inherent advantage over community banks in generating fee income because of their scale.

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Community Bank Community Comparison Fintech 195

South State Correspondent

FEBRUARY 22, 2024

For example, at present, return on equity performance is about 12% for the average community bank. One Of the Biggest Flaws In Our Industry From an organizational standpoint, the answer is clear. One Of the Biggest Flaws In Our Industry From an organizational standpoint, the answer is clear. Why is that?

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How To Strategy Capital Lending 195

PYMNTS

NOVEMBER 27, 2018

Yet, the small business lending gap remains. In a new report, PayNet and financial research firm Raddon examined the state of small business lending in the U.S. ” Banks have not invested in their small business lending operations to improve the process for the borrower, though. Filling The Gap.

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Lending Fintech Capital Report 159

CFPB Monitor

JULY 1, 2015

A recent American Banker article written by officials of three community groups urges President Obama to publicly denounce Director Cordray for failing to issue regulations implementing the small business lending data requirements of Dodd-Frank Section 1071. Large banks in particular have a lot of room for improvement.”

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Community Lending Groups Data 60

South State Correspondent

JANUARY 20, 2023

2022 will go down as one of the worst years for community bank loan mispricing when viewed on a spread basis. What ends up happening is that banks lose more of the higher quality credits to regional and national banks and then get adversely selected for the riskier credits. The result is a credit-skewed portfolio to the negative.

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Lending Community Bank Community Data 195

South State Correspondent

SEPTEMBER 20, 2023

In this article, we discuss cash management profitability and rank the most profitable industries for banks to go after. We ranked the Top 20 Deposit-Rich Industries ( HERE ). As can be seen below, Client 2, because of the nature of their industry, has much greater variability in their cash flow.

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Management Survey Industry Community Bank 195