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

South State Correspondent

JANUARY 20, 2020

We work on thousands of lending transactions every year with hundreds of community banks across the country.

Case Study 195

Case Study Study How To Community Bank 195

Abrigo

MARCH 2, 2023

Banking technology decisions now affect future growth With the possibility of a recession, community financial institutions may consider a delay or cut in technology spending. Perhaps executives think delaying or cutting spending on technology to make lending more efficient will affect only their staff.

Technology 195

Technology Lending Community Software 195

Finer Points

MARCH 30, 2016

It’s something ICBA and the community banking industry say all the time: community banks are the nation’s leading small-business lenders. While community banks make up less than 20 percent of the banking system’s assets, they dole out more than half of its small-business loans. And the numbers back it up.

Community Bank 100

Community Bank Community Leadership Study 100

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.

Risk Management 221

Risk Management Management Lending Capital 221

Banking Exchange

DECEMBER 21, 2020

FICO survey finds lack of confidence in short-term finances, but satisfaction with bank support is high Community Banking Consumer Compliance Customers Feature3 Financial Research Feature Financial Trends Fair Lending PPP Covid19.

Study 88

Study Community Bank Compliance Survey 88

PYMNTS

APRIL 5, 2020

The relaxing of the limits has let families, businesses and communities stay afloat fiscally as the virus forces normal courses of money, like most businesses and restaurants, to close down for fear of spreading infectious germs or catching them.

Capital 150

Capital Lending Regulation Study 150

Gonzobanker

FEBRUARY 8, 2023

Community Banks as Venture Capitalists In fact, not all providers of venture capital are venture capitalists. According to Cornerstone Advisors’ What’s Going On in Banking 2023 study, there are about 500 community banks and credit unions making direct investments into fintech startups. And not just the large megabanks.

Community Bank 99

Community Bank Community Fintech Leadership 99

PYMNTS

JUNE 1, 2018

Between 2015 and 2017, the amount of lending to small businesses by the five leading online lending providers increased 50 percent, according to a new report from NDP Analytics, a Washington, D.C.-based The report, entitled “The Economic Benefits of Online Lending to Small Businesses and the U.S. communities.”.

Lending 103

Lending Online Community Washington 103

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. Plus, a new Federal Reserve Bank of New York study finds that individuals anticipate that the economy will rebound by next year. Moreover, the study discovered that 54.6

Retail 239

Retail US New Jersey New York 239

Abrigo

JANUARY 13, 2020

Cross-selling to stem “hidden defections” represents huge untapped opportunities for institutions, according to a study by Bain. In 2020, a top focus for community financial institutions is new customer acquisition, according to the BAI Banking Outlook: Trends in 2020 survey. For example, the study found that in the U.S.,

Lending 150

Lending Study Survey Community 150

PopularBank

DECEMBER 7, 2022

Building inspections are required for community buildings in all 67 counties in Florida that are three or more stories in height. Structural integrity reserve study. Associations are required to complete a structural integrity reserve study every 10 years for each building in an association that is three stories or higher.

Community 52

Community Florida Study ATM 52

PYMNTS

FEBRUARY 15, 2018

For community banks serving small- to mid-sized businesses (SMBs), training an eye on credit cards can translate into additional revenue streams and tap into an unmet need for those SMBs. Kearney found 26 percent of small business cardholders have community banking relationships in place. There’s a lot of runway here.

Community Bank 118

Community Bank Community Cards United States 118

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. “What we didn’t know until this study was the size of the credit market for small businesses. For banks, the reason often comes down to profits.

Lending 159

Lending Fintech Capital Report 159

Abrigo

FEBRUARY 23, 2022

Making small business loans efficient and worthwhile Digitalizing the lending process can help financial institutions win small business loans and meet customers' needs. You might also like this webinar on small business lending best practices. Top problems in small business lending. Roadblocks to Success.

How To 195

How To Lending Software Survey 195

PYMNTS

SEPTEMBER 18, 2018

And in lending, with the financial crisis in the rearview mirror, a decade on, invention – okay, innovation – has become a hallmark, at least in some corners. But a standstill in the credit markets created a vacuum for a bit, at least along traditional lending conduits. Necessity is the mother of invention.

Lending 148

Lending Innovation Fintech Cards 148

South State Correspondent

JANUARY 16, 2024

We published various articles comparing community bank alternatives to LIBOR (such as SOFR, Ameribor, Fed Funds, and Prime). We believe that daily and term SOFR offer community banks the safest and most dependable index for benchmarking profitability, pricing loans, and hedging interest rate risk. No ISDA documents.

Community Bank 195

Community Bank Community Compliance CA 195

Abrigo

AUGUST 26, 2019

The community bank model is built around customer service, but for many bank and credit union customers, the definition of “good service” has been changing over the last couple of decades. Stay Up-to-Date On Lending Best Practices. customers than traditional retail banks earned in the firm’s study of retail banking satisfaction.

Conference 150

Conference Lending Oklahoma Alabama 150

PYMNTS

SEPTEMBER 25, 2020

The grants are part of the San Jose, California-based worldwide online payments system’s $530 million pledge made earlier this year to strengthen minority communities and fight for economic equality and racial justice. “To A study conducted by PayPal and PYMNTS revealed that 40 percent of customers are shopping more digitally than physically.

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San Jose Baltimore Nebraska Community 261

Abrigo

JULY 13, 2017

In September 2016, more than 240 bankers and industry experts from both community banks and credit unions attended the Risk Management Summit in Austin, Texas. The Summit is the industry’s leading life-of-loan conference, spanning loan origination through portfolio risk management in a CECL - current expected credit loss - world.

Risk Management 170

Risk Management Management Denver Conference 170

ABA Community Banking

JULY 13, 2020

The Consumer Financial Protection Bureau today released a study of the effects of so-called credit-builder loans on credit scores. The post CFPB Study Finds Mixed Results for ‘Credit-Builder’ Loans appeared first on ABA Banking Journal.

Study 81

Study Report Community Bank Community 81

South State Correspondent

JANUARY 2, 2024

Louis studied the predictive prowess of economists. Bankers must be able to present the current (spot) and forward interest rate lending curve to clients. Below is a graph showing the forward lending curve from one month to ten years using the same assumptions we made for the spot (current) yield curve.

How To 195

How To St. Louis Lending Marketing 195

South State Correspondent

FEBRUARY 12, 2023

The average community bank’s cost of funding is highly correlated to Fed Funds and SOFR (for the industry, the correlation has been 94% with a six-month lag over the last 20 years). We want to highlight this option with a case study.

Community Bank 195

Community Bank Community Case Study Strategy 195

Abrigo

DECEMBER 2, 2021

Indeed, deposit levels to transaction accounts among community banks exploded 74% to $896.5 31, 2019, and June 3, 2021, according to the Community Banking in the 21st Century report. In a competitive lending environment, many banks and credit unions are concerned about losing good-quality loans if they over-price them.

Conference 195

Conference San Antonio Lending Fraud 195

South State Correspondent

APRIL 18, 2023

Top-performing community banks deploy relationship banking. Many community banks state that they embrace and promote relationship banking, but the model is not easy to deliver effectively, and its implementation is not as intuitive as some bankers may believe. Today, we look at the value of concentric relationship building.

Strategy 195

Strategy Regional Industry Community Bank 195

Independent Banker

DECEMBER 13, 2015

New Military Lending Act regulations kick in next fall. Following a three-year study on predatory lending, the U.S. Department of Defense has now issued the final rule to implement the Military Lending Act. By Mary Thorson Wright. 3, 2016, compliance date.

Lending 70

Lending Compliance Regulation Virginia 70

American Banker

DECEMBER 16, 2020

The agency’s second in-depth study of the community banking sector pointed to continued challenges for local institutions from the pandemic and other headwinds, but many smaller banks are reaping the benefits of M&A and holding their own against larger competitors in key lending categories.

FDIC 65

FDIC Community Bank Report Study 65

Abrigo

DECEMBER 17, 2021

In fact, corporate culture is more important to an innovative culture than the institution's size, level of investment, location, or regulatory environment, according to a recent study by the ? Executives must center their communication on the vision for the technology and what employees will gain from it. Lending & Credit Risk.

Fintech 195

Fintech How To Innovation System 195

Independent Banker

DECEMBER 31, 2021

Here’s what community banks need to know about these products and how they can take advantage of this model. Emerging as the latest form of point-of-sale (POS) lending, BNPL introduces new ways for consumers to make purchases and spread out their payments. BNPL: The community bank play. By Colleen Morrison. It’s an evolution.

How To 91

How To Community Bank Community Lending 91

Independent Banker

DECEMBER 31, 2022

Here’s how community banks can enhance their payments offerings. As 2023 kicks off, community banks can respond to today’s payments landscape by addressing five key trends. FedNow is obviously going to change the landscape for us, and I think it’s going to accelerate [digital development] for community banks,” Lakoumentas says.

Trends 140

Trends Payments Community Bank Texas 140

PopularBank

MARCH 24, 2021

BDD Designation to Provide Branch $10 Million in Subsidized Deposits to Promote Community Reinvestment within East Harlem. Popular Bank’s East 116 th Street branch will serve as a BDD branch in the designated Community District 11 (CD 11). Recent BDD designation aims to provide critical services to East Harlem community.

New York 91

New York Community New York City New Jersey 91

PYMNTS

MAY 22, 2020

The data painted a dark picture for Main Street retail this week, with a new Facebook & Small Business Roundtable study showing that over 30 percent of small to medium-sized businesses have either failed or don’t see a way forward due to the pandemic.

Maine 138

Maine Philadelphia Community Groups 138

South State Correspondent

JANUARY 30, 2024

A typical current strategy for community banks when originating commercial real estate loans is to offer floating-rate loans or shorter-term adjustable structures. Unfortunately, this strategy has all the underpinnings of a credit problem case study, and we do not have to search for a hypothetical example.

Community Bank 195

Community Bank Case Study Community Strategy 195

Independent Banker

AUGUST 25, 2016

More than ever, community banks are exploring new ideas and unconventional approaches to achieving greater profitability. This month Independent Banker focuses on information and trends, processes and strategies, and case studies. on profitability in community banking. on profitability in community banking. Rolling Along.

Missouri 70

Missouri Connecticut Minnesota Arizona 70

PYMNTS

FEBRUARY 25, 2019

The panel, which traces its genesis back two years, is comprised of two groups, focused separately on lending and payments, and is in turn part of CSBS Vision 2020. “As Our FinTech industry advisory panel did include a few community banks. We had some robust discussions with them about community banking and innovation.

Regulation 147

Regulation Fintech Community Bank Community 147

Abrigo

AUGUST 3, 2015

The ABA’s 2015 Survey of Bank Compliance Officers , conducted February through March 2015, had participation from more than 450 financial institutions, with almost 80 percent being community banks. ABA president and CEO, Frank Keating, commented that Dodd-Frank has impacted banks, their customers and the communities they serve.

Compliance 150

Compliance Community Bank Community Survey 150

CFPB Monitor

MAY 7, 2015

On May 13, 2015, the United States Hispanic Chamber of Commerce (USHCC) and the Community Financial Services Association of America (CFSA) will host a policy and research summit in Washington, D.C. on “Consumer Credit Under Assault: Does the Data Support the Rhetoric?” The event is open to media and requires an RSVP.

Lending 60

Lending Arizona United States Washington 60