South State Correspondent

DECEMBER 5, 2023

The Concepts Lending Curve: A yield curve shows interest rates associated with different contract lengths for a particular interest rate instrument. While economists may use the shape of the yield curve to gauge future economic strength, bankers should pay particular attention to the lending curve.

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Abrigo

AUGUST 6, 2021

How can community financial institutions thrive in 2021? Community banks provide unique and important banking services for their customers, but they also face significant obstacles. Takeaway 1 Community banks play an important role in the economy and their communities, but they face significant obstacles.

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Abrigo

FEBRUARY 13, 2020

Key Takeaways To better serve their community, as well as stay competitive in this fast-moving environment, savvy CFIs are carefully blending digital innovations with their hallmark relationship banking practices. CFIs reinvest in their communities, supporting local businesses and helping community members make financial decisions.

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Abrigo

MARCH 14, 2024

Strengthening customer relationships with tangible value and personal touch Customer retention in banking can be challenging for community financial institutions. Follow this guide for strategies to stay competitive. This plan should include strategies for different types of customers.

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Lending Strategy Community Software 195

Gonzobanker

FEBRUARY 22, 2024

For bankers to be successful in the small business lending market, they need to execute on several key tenets: strategy, people, process and technology. Strategy: Choose Your Niche Making the most of an investment in business services requires a strategic approach. No two markets are created equal.

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Lending Community Bank Community Strategy 78

Abrigo

JANUARY 17, 2023

Automating SMB and commercial lending elevates your customer's experience From making it easier to apply to speeding up loan closings, automation can helps make business lending customers and staff happier. You might also like this on-demand webinar, "Strategies to grow your commercial loan portfolio." Digital lending.

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Perficient

JULY 27, 2023

The Community Reinvestment Act (CRA) is a federal law in the US that promotes the interest of financial service firms to serve their communities’ credit needs, including low- and moderate-income neighborhoods. This information can identify areas of need and develop targeted lending programs that address those needs.

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Data Compliance Community Lending 221

American Banker

FEBRUARY 1, 2024

A day after the regional bank's stock tumbled on tough fourth-quarter results and some austerity moves, observers debated whether management just needs time to build enough capital to catch up with growth or if it is still too overexposed in multifamily lending.

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New York Strategy Community Regional 81

Independent Banker

FEBRUARY 28, 2022

What it means for community banks is clear. For anyone responsible for managing risk or for those responsible for managing the balance sheet, you definitely want to pay attention and make sure you have a solid strategy for managing the interest rate volatility,” said David Lykken, President and Founder of Transformational Mortgage Solutions.

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Leadership Strategy Lending Community Bank 91

Abrigo

JULY 25, 2022

Strong demand is a factor in the ag lending outlook ahead Ag lenders can begin taking steps to ensure they are prepared and can provide positive customer or member experiences. The outlook for ag lending has its share of uncertainty. Inflation, rates are factors in ag lending outlook. Farmers expect worse in 2023. Rising inputs.

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Abrigo

OCTOBER 9, 2014

This article is the second in a two-part series on top concerns and growth strategies of community banks. Part I focused on bankers’ greatest concerns, while this section will focus on growth strategies. Source: 2014 Growth Strategy Survey. Source: 2014 Growth Strategy Survey. According to Forbes , many U.S.

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Community Bank Strategy Community Survey 236

ABA Community Banking

SEPTEMBER 29, 2021

On the latest episode the ABA Banking Journal Podcast, Berkshire Bank President and CEO Nitin Mhatre discusss Berkshire Bank's "BEST Community Comeback," a new $5 billion ESG-focused initiative at the Massachusetts-based midsize community bank.

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PYMNTS

JULY 7, 2020

For more community banks, the latter strategy can fast-track digitization initiatives. This week’s look at the latest bank-FinTech tie-ups shows Banking-as-a-Service and other FinTech players embracing smaller regional and community banks to elevate small- to medium-sized business (SMBs) and corporate banking offerings.

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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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Independent Banker

AUGUST 31, 2021

A profitability strategy has a lot to factor in given today’s uncertain market. Here’s what community bankers need to know when planning their budgets for the next year. Luckily, there are several strategies in community banks’ toolbox for boosting profitability, even in a low interest rate environment. Quick stat.

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Community Bank Community Lending Leadership 170

South State Correspondent

APRIL 30, 2024

An inverted yield curve, continued bank failures, and the desire to manage risk and offer clients higher service are all factors that are driving more community banks to adopt a loan hedge program. Community banks’ main goals are to diligently support their local communities and make an acceptable return on capital in these challenging times.

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South State Correspondent

APRIL 30, 2024

An inverted yield curve, continued bank failures, and the desire to manage risk and offer clients higher service are all factors that are driving more community banks to adopt a loan hedge program. Community banks’ main goals are to diligently support their local communities and make an acceptable return on capital in these challenging times.

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Community Bank FDIC Community National 195

Independent Banker

JUNE 30, 2022

As we kick off this year’s lending issue, I want to pause for a moment to reflect on just how much lending has changed. But community banks have adapted to address that shift. By implementing these new strategies, we have focused on what matters most: our customers. What new solutions can we stop kicking down the road?

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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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Independent Banker

OCTOBER 31, 2022

We spoke with industry specialists about the priorities for community banks as they build a digital loan process for small businesses. Digital lending capabilities are quickly becoming table stakes, particularly when it comes to small business lending. Benefits of digital lending. Ensure a more consistent lending process.

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South State Correspondent

NOVEMBER 18, 2015

In our dealing with hundreds of banks and thousands of borrowers, we observe strategies and structures that have worked for our customers. We would like to share ten strategies that we and other community banks have effectively deployed to win bus

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PYMNTS

SEPTEMBER 24, 2020

smaller community banks and credit unions (CUs) stepped up to the plate and, according to the Small Business Association (SBA), ended up facilitating more than half of PPP loan volume to SMBs. That's good news for community banks and credit unions, which could see a wave of new SMB customers and members in the coming months.

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PYMNTS

OCTOBER 11, 2017

Small business (SMB) lending is big business for community banks , which are a popular destination for small business borrowers, thanks to strong approval rates on loan applications. But new analysis from the Federal Reserve has identified a reversal in community banks’ position in the small business lending market.

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Community Bank Community Lending Survey 108

Abrigo

FEBRUARY 14, 2024

Find commercial real estate risks in the loan portfolio Sound risk management practices in commercial real estate lending help lenders manage CRE credit losses and protect the portfolio's profitability. You might also like this podcast, "How to sleep easier at night about your capital and risk levels."

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PYMNTS

OCTOBER 11, 2020

Santander Bank has announced three high-level appointments, two overseeing lending operations and another overseeing marketing, according to a press release. Giancarlo Marchesi was named head of Consumer Lending, a new role at Santander. Patrick Smith was named head of Small Business Banking. Smith holds a B.S.

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Abrigo

FEBRUARY 12, 2021

Preparing for 2023 While community banks have until 2023 until they must comply with CECL, there is likely less time than expected. . While community banks have until 2023 until they must comply with CECL, there is likely less time than expected. Just because a community bank has a lot of data doesn’t mean that it’s quality data.

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Community Bank Community Data Analysis 195

Jack Henry

DECEMBER 9, 2021

Investments in financial technology have been increasing for years, but the events of the last 18 months have created a new sense of urgency for community banks and credit unions to fine-tune their digital strategies across the spectrum of various fintech investments.

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Strategy Digital Strategies FDIC Community Bank 148

Abrigo

JULY 2, 2019

If that trend continues, operating costs will begin outpacing revenue for many farms, and demand for ag financing will grow for community financial institutions. Assigning credit risk is tricky with ag lending since both environment and economic factors carry significant weight. Pay strategies. Save strategies.

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Lending How To Strategy Trends 150

Abrigo

NOVEMBER 6, 2019

Small Business Loans | 5 minute read Key Takeaways Credit unions' small business loans hit a record low, while small business lending continues to remain strong at big banks and community banks. Going digital can help reduce the cost of small business lending and capture more member business loans. Talk to an expert.

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Bank Innovation

DECEMBER 19, 2019

Small business lending company OnDeck is expanding its ecosystem of products. Through its application for a bank charter, the company wants to become a full-service digital bank for small businesses it says are overlooked by traditional banks.

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PYMNTS

MARCH 12, 2019

Innovation has always been important for community banks, but the driving force of digitization over the last decade has greatly sped up the pace, said Kevin Tweddle, chief innovation officer for the Independent Community Bankers of America ( ICBA ). Community banking is no exception. Leveling the Playing Field.

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Bank Innovation

AUGUST 20, 2019

Oregon Community Credit Union (OCCU) has launched phase one of its digital platform, a move meant to “set the foundation” for the credit union’s new focus toward automation, Chris Whittaker, vice president of consumer lending, told sister publication Auto Finance News on Monday.

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South State Correspondent

FEBRUARY 22, 2024

For example, at present, return on equity performance is about 12% for the average community bank. You can’t develop lending expertise overnight. A three-year time horizon isn’t long enough if say you want to take your lending platform nationally such as specializing in lending on robotics. What does matter is strategy.

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How To Strategy Capital Lending 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.;

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Community Bank Community Montana Leadership 169

Independent Banker

NOVEMBER 30, 2021

Experts say community banks can use education, biometrics and solid cybersecurity practices to fight this growing area of crime. Say a scammer calls a community bank customer and gains their trust by using information obtained from a major data breach. By Elizabeth Judd. Examples of remote authentication fraud. New account fraud.

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PYMNTS

NOVEMBER 13, 2018

To that end, news came earlier this week in the United States that a dozen community and regional banks have formed a group aimed at exploring the opportunities amid FinTech offerings. This time around, Sweetbridge is using blockchain in a lending context. Here In The States.

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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