PYMNTS

MARCH 6, 2020

That’s even more true for community banks, which lack the resources larger FIs have to support modernization initiatives and technology investment efforts. At the same time, the logistical challenges and competitive pressures associated with digitization remain just as pertinent for community banks.

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Community Bank Community How To Lending 173

South State Correspondent

AUGUST 10, 2015

In a somewhat rare occurrence, lending got safer, yet loan pricing on new production improved. Here is our quarterly report on banking industry trends and insights ( HERE ). In a nutshell, banking improved by most measures as the average bank became more profitable. For the industry, the average return on equity (ROE) increased from 8.1%

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Community Bank Community Lending Trends 150

Abrigo

MARCH 14, 2024

Strengthening customer relationships with tangible value and personal touch Customer retention in banking can be challenging for community financial institutions. As financial partners, your bank or credit union can collect and present data in a way that resonates with your clients and adds tangible value to their businesses.

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Lending Strategy Community Software 195

Independent Banker

NOVEMBER 30, 2022

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. Clockwise from top left: Grand Ridge National Bank, Wheaton, Ill.; Bank of Montana, Missoula, Mont.;

Community Bank 169

Community Bank Community Montana Leadership 169

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

Abrigo

FEBRUARY 12, 2020

Key Takeaways Commercial real estate lending will be a top focus for many financial institutions in 2020. Despite the painful evolution in retail, many experts expect another year of growth for commercial real estate – and for commercial real estate lenders, including community financial institutions. CRE Lending. Learn more.

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Lending Trends FDIC Survey 195

PYMNTS

DECEMBER 11, 2020

We did more loans in a two-month period than we did in 10 years of SBA lending combined," he said. "We According to Puskar, the current climate has forced lenders like Eastern Bank to shift their mindsets toward the present and future, rather than solely the past. Reading The Tea Leaves.

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Lending Capital Resources Taxes 233

South State Correspondent

NOVEMBER 13, 2023

One or two options are usually insufficient, and five or more options are too many, but successful banks present three (sometimes four options) that reflect what the lender understands as the borrower’s goals in financing. The presentation includes the bank’s desired logo. The loan proposal generator is easy to use.

Tools 195

Tools Online Marketing Community 195

PYMNTS

OCTOBER 4, 2019

For community banks and credit unions, their physical proximity to the small businesses they’re servicing is often pointed out as a major advantage these smaller players hold over the big banks, enabling these FIs to develop deeper relationships with their small to medium-size business (SMB) clients, anticipate their needs and establish trust.

Lending 152

Lending Community Bank US Community 152

PYMNTS

APRIL 5, 2019

SoLo Funds announced it has added a Mastercard integration so users can link their debit accounts to the peer-to-peer (P2P) lending platform. This integration brings us a step closer to our goal of transforming the lending sector by providing timely access to small loans through everyday mobile users.”.

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Lending Survey Course Community 167

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.

Community Bank 131

Community Bank Community Fintech Lending 131

Abrigo

APRIL 7, 2023

Here's what to say when presenting a case for software at your institution. Takeaway 2 Bank staff should emphasize these five points when presenting a case for loan review automation to decision-makers. Takeaway 2 Bank staff should emphasize these five points when presenting a case for loan review automation to decision-makers.

Software 195

Software Lending System Risk Management 195

PYMNTS

OCTOBER 16, 2017

Last week, P2Bi announced the rollout of a new partnership program that enables community banks to participate in its small business loan marketplace. Community banks are typically a better bet for small businesses in search of a loan, with approval rates higher than those at larger financial institutions. suggests a shift is ahead.

Community Bank 110

Community Bank Community Fintech Lending 110

Abrigo

AUGUST 30, 2016

According to Sageworks’ Bank Information resource there are nearly 12,000 community banks and credit unions across the United States. Last week Hillary Clinton released her plan to support community banks and credit unions. To learn how you can build a relationship-based lending framework, read Doing More for Business Borrowers.

Community Bank 150

Community Bank Community United States Policies 150

Abrigo

AUGUST 28, 2019

Slow lending decisions and frustrating loan application processes are among borrowers’ biggest gripes with traditional financial institutions vs competitors such as online or alternative lenders. Drive faster lending decisions. Contacting a branch manager might yield insight on depositors for potential upsells for loans. Get started.

Lending 150

Lending Analysis Taxes Data 150

South State Correspondent

AUGUST 15, 2022

At SouthState, our commercial lending teams use an online proposal generator, and we make that same app available to any community bank. Our online proposal generator is an easy-to-use tool that allows lenders to create, save, update, print, and share standard formatted PDF presentations with borrowers.

Tools 195

Tools Lending Online Training 195

South State Correspondent

AUGUST 15, 2022

At SouthState, our commercial lending teams use an online proposal generator, and we make that same app available to any community bank. Our online proposal generator is an easy-to-use tool that allows lenders to create, save, update, print, and share standard formatted PDF presentations with borrowers.

Tools 195

Tools Lending Online Training 195

South State Correspondent

JANUARY 6, 2015

For many community banks, a concentration in real estate lending may be an issue. While community bankers have a difficult job trying to diversify their balance sheet away from real estate, we wanted to present a couple quantitative points that will make the job of risk management easier for banks

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Lending Risk Management Community Bank Community 150

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.,

Innovation 144

Innovation Community Bank Community Lending 144

Jeff For Banks

MAY 9, 2024

During the prior break, I struck up a conversation with a person from Lendio , a small business lending platform, that was there to promote their white-label platform to bankers. I still find this to be a challenge at community banks. But they will only lend what fits in their credit box. Reward for a job well done.

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Conference Community Bank Community Tools 110

South State Correspondent

MAY 15, 2023

community bank management team. While this community bank is not aggressively pricing new loans, losing this commercial credit with a substantial deposit relationship was painful. The national bank used its hedging program to offer this borrower the structures presented in the term sheet. Last week we spoke to a $1.2B

National 195

National Community Bank Community Examples 195

PYMNTS

AUGUST 29, 2018

The Office of the Comptroller of the Currency is aiming to rewrite the 1977 Community Reinvestment Act, which is designed to encourage bank lending in low-income areas. Under the rules, banks have to provide mortgages and credit products to low-income communities in which they accept deposits. and Federal Reserve.

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Community FDIC Compliance Regulation 100

PYMNTS

AUGUST 12, 2019

One area of impact is small business finance and lending, with small businesses and lenders seeing a slowdown in demand. Small business lending platform Funding Circle commented on this effect in its latest earnings data, noting that there has been “some deterioration” in its higher-risk small business loan bands in the U.K.

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Lending US Capital Data 144

South State Correspondent

MARCH 14, 2022

Community banks have solid competitive advantages when competing against insurance companies (primarily life insurance companies or “Lifecos”) and commercial real estate securitization conduit lenders (CMBS) for commercial borrowers. Both channels present formidable competition for banks. Commercial Real Estate Market Background.

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Company Community Bank Community Lending 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 261

PYMNTS

JANUARY 8, 2021

There's no doubt that the small business community is facing a period of immense tribulation. As Eiriz explained, the small business lending community has the opportunity, and perhaps even the obligation, to embrace collaboration and dig deeper into the entrepreneurial community in order to best serve SMBs and support the broader economy.

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Strategy Community Maine Lending 231

South State Correspondent

JULY 26, 2023

The bigger risk to community banks’ business model is not a moderate recession induced by aggressive interest rate increases by the Federal Reserve. This article will discuss community banks’ strategies and tactics to mitigate a prolonged and profoundly inverted yield curve.

Community Bank 195

Community Bank Community Strategy Atlanta 195

PYMNTS

APRIL 14, 2020

Community Development Financial Institutions (CDFIs) are hoping more Paycheck Protection Program (PPP) funding is passed by Congress soon so that smaller businesses left behind can stay afloat during the coronavirus pandemic, according to a Tuesday (April 14) report in the Wall Street Journal.

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Puerto Rico Virgin Islands District of Columbia Kansas City 150

CFPB Monitor

NOVEMBER 7, 2019

On October 29, 2019, the House Financial Services Subcommittee on Oversight and Investigations held a hearing to explore the issue of lending and housing discrimination against members of the LGBTQ+ community. A recording of the hearing is available here. Professor Hua Sun, Associate Professor of Finance, Iowa State University.

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Lending Community Iowa Policies 60

South State Correspondent

FEBRUARY 8, 2023

The current yield curve presents various challenges for community bankers for revenue generation and risk management. In this article, we will outline the significance of the yield curve shape and what it may portend for community banks. The Yield Curve Shape A yield curve is a relationship between maturities and yields.

Community Bank 195

Community Bank Community Risk Management Strategy 195

Abrigo

SEPTEMBER 15, 2022

Takeaway 1 "Bank Monitoring with On-Site Inspections" will be presented later this month and claims to be the first empirical study of bank monitoring within non-syndicated loans. . Bank monitoring in construction lending. Bank construction lending: $403 billion. On-site inspections. CRE loans up.

Study 195

Study FDIC Lending Risk Management 195

PYMNTS

APRIL 29, 2019

Plus, there is new evidence that the middle-market business community fared particularly well in the first quarter. percent drop in revenue among micro-enterprises dims the overall sentiment among SMBs, and presents a stark contrast to the mid-market’s performance for Q1. Beyond the U.S., 4 spots, respectively).

Lending 168

Lending Michigan Community National 168

Abrigo

OCTOBER 20, 2020

From economic forecasts to company culture, there were important takeaways for all community financial institutions. . Millennium Bank, like many community financial institutions, is heavily concentrated in commercial real estate (CRE). Drive Growth. Understanding the current state of banking and future expectations.

Management 195

Management Lending Community Strategy 195

South State Correspondent

MAY 28, 2024

This view is reflected by a sharp decrease in the average contractual loan commitment term at community banks and an increase in floating vs. fixed rate structures. However, community banks should carefully consider the prudence of a borrower’s decision based on the risks and rewards outlined below.

Analysis 195

Analysis Community Bank Marketing Community 195

Abrigo

JANUARY 30, 2024

Attendees return from ThinkBIG energized and informed so they can continue positively impacting their institutions and, more importantly, their communities. We understand what a positive impact financial institutions make in their communities. Still on the fence about attending the ThinkBIG 2024 conference?

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Conference Arizona Phoenix Fraud 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. She also noted that redlining settlements can ultimately benefit the health of institutions and their surrounding communities.

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Conference Lending Industry Regulation 78

PYMNTS

NOVEMBER 5, 2019

Erin Platts, head of EMEA operations, announced that the bank is opening up an office in Copenhagen as the result of an active tech community, and the fact that Denmark doesn’t require a license to make loans. The new managing director for Denmark, Sebastian Penn, will be based in Copenhagen. network and U.K.

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