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.

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Management National Guidelines Capital 195

South State Correspondent

SEPTEMBER 20, 2023

The treasury or cash management customer is usually a bank’s most profitable customer on a risk-adjusted basis ( HERE ). In this article, we discuss cash management profitability and rank the most profitable industries for banks to go after. Cash flow stability is also a factor in cash management profitability.

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Management Survey Industry Community Bank 195

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

American Banker

SEPTEMBER 28, 2023

Lisa Rickert and Ruth McCord, who manage branches for Nicolet National Bank, share a passion for connecting with their customers and supporting their communities.

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Community National Management Community Bank 78

South State Correspondent

AUGUST 1, 2016

If you have to battle the large national or regional banks for treasury management business, then you are in luck because competition is easy. Of course, many community banks don’t feel that way, but often that is because they have the wrong approach.

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Community Bank Community Management Conference 150

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. Second, larger companies have more diverse management talent to help them navigate recessions.

Community Bank 195

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. Second, larger companies have more diverse management talent to help them navigate recessions.

Community Bank 195

Community Bank Community National Lending 195

South State Correspondent

NOVEMBER 27, 2022

Banks can use the French Defense in deposit management. The French Deposit Management Defense. ” The answer is the French Deposit Defense and it is one of many tactics in a seasoned banker’s deposit management playbook. Now, Bank B uses its bishops, knights, and rooks for enhanced deposit management.

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Management social media Marketing Strategy 195

Banking Exchange

FEBRUARY 17, 2021

Greenwich Associates reports widening gap in digital investment between national and regional banks Community Banking Feature3 Feature Technology Retail Banking Covid19 PPP Customers Tech Management Mobile Online.

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Community Bank Regional Community National 131

South State Correspondent

APRIL 4, 2024

Secular changes occur over many business cycles, tend to be slow-moving, and are more difficult to manage with business strategy. However, because bank capital has an average expected life of 15 to 20 years, bank managers must gauge and react to secular changes that will impact their business model.

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Risk Management Community Bank Policies Community 195

Abrigo

MARCH 9, 2017

And to thrive, those customers need economically diverse and healthy communities in which to live and work. Partnering with local organizations to promote the health of those communities is often a top priority for banks. communities where capital tends to be scarce.

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Community San Francisco Capital Philadelphia 246

PYMNTS

JANUARY 15, 2021

EedenBull , which works with payment and spend technology, has a new agreement with National Australia Bank (NAB) in which the bank will let its small- to medium-sized business (SMB) users access EedenBull’s payment and spend platform, according to a report from Finacial IT.

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Management National Regional Analysis 172

Banking Exchange

JUNE 10, 2021

Two community banks snapped by Simmons, while Illinois’ Heartland Bank looks to push into Iowa Community Banking Feature3 Feature Management M&A.

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Community Bank Community Iowa Tennessee 78

Jack Henry

OCTOBER 15, 2020

The US banking industry has been a vital part of our nation all the way back to 1780 when the Bank of Pennsylvania was founded by Philadelphia merchants to fund the American Revolutionary War.

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Philadelphia Pennsylvania Community Management 158

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.

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.

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Community Retail Strategy National 269

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.

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Community Bank Community National Strategy 195

PYMNTS

MAY 1, 2020

Quite the contrary,” says Bob Brennan, chairman of the National Expansion Council and one of the directors of a nonprofit organization called Entrepreneurship for All (EforAll) based in Boston, Massachusetts. “I You manage the misses. It stands to reason that hopelessness – or at least a plan B – would start to set in.

Community 148

Community Massachusetts Boston social media 148

Jeff For Banks

JANUARY 14, 2021

In June of 2008 I gave a speech titled "The Death of the Community Bank" and in that speech I made predictions. Much like the General Store fell victim to the supermarket and the lumber yard fell victim to Home Depot, I predicted the community bank that did not pick targeted customer niches or develop product expertise will meet it's doom.

Community Bank 130

Community Bank Community FDIC Strategy 130

Banking Exchange

AUGUST 21, 2019

Community banks are facing tremendous competitive pressures from regional, national, and global banks Technology Feature3 Fintech Feature Financial Trends Community Banking Customers Core Systems Branch Technology/ATMs Outsourcing/Cloud Tech Management Mobile Online Cards Checks/Remote Deposit Capture.

Community Bank 102

Community Bank Community ATM Regional 102

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?

Community Bank 144

Community Bank Community Lending Louisiana 144

PYMNTS

APRIL 8, 2019

The world of payments has provided a new leader to the National Urban League. Murphy was elected to the post during the National Urban League’s Board of Trustees quarterly meeting in New York City. “He I’m honored to be a part of that mission,” Murphy said as part of the National Urban League’s announcement.

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National New York City New York Leadership 122

South State Correspondent

FEBRUARY 27, 2024

Community bankers need to practice realistic loan pricing discipline. However, we need to understand the meaning of pricing discipline and its effect on community bank performance. Bankers need to manage credit relationships to ROA/ROE and not credit spreads. Why do banks use RAROC loan pricing models?

How To 195

How To Community Bank Community Management 195

Abrigo

SEPTEMBER 16, 2019

Community bankers are largely positive about the future, based on the first results of a new index gauging business sentiment among the financial professionals who serve a critical role in local economies. 70% of community bankers said that now is a good time to expand in their market. Grow your loan portfolio. Learn More.

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Community Bank Community Policies Survey 150

Abrigo

AUGUST 5, 2020

is officially in a recession, according to the National Bureau of Economic Research. Now, banks and credit unions must determine how to safely and effectively manage risk in the portfolio while also driving growth at their institution. The national effects remain opaque and will continue to change – do not get complacent.

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Management Risk Management Trends Industry 195

ABA Community Banking

OCTOBER 23, 2019

How can community banks make wealth management a profitable part of their strategy? At Canandaigua National Bank and Trust in New York, 45% of non-interest income—and 15% of the bank’s total revenue—comes from wealth management, says EVP Sam Guerreri.

Community Bank 40

Community Bank Community Management New York 40

American Banker

FEBRUARY 15, 2024

Investors have hammered the New Jersey-based lender following the turmoil at New York Community Bancorp. But Valley executives say there are key differences between the two real estate-focused banks, and they express confidence that the bank's underwriting will hold up again this cycle.

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New Jersey National New York Community 83

South State Correspondent

JULY 5, 2022

We concluded that obligors showing less than 1.50X DSCR would be most at risk, but the average community bank underwrites to 1.20X DSCR. National Association of Real Estate Investing – US all categories Cap rate. As a reference, the market expects short-term rates to increase by another 1.77% for the rest of 2022. in December 2021).

Management 195

Management Capital US Community Bank 195

Perficient

MARCH 3, 2021

Perficient developed the La Puerta portal framework as a way of giving back to the Detroit community and to pave the way for students to benefit from a college education. The Michigan Hispanic Collaborative’s goal to improve the economic strength of the Hispanic community in Michigan. “We ” In Michigan, only 15.7%

Detroit 520

Detroit Michigan Community Resources 520

American Banker

APRIL 23, 2024

But CEO James Ryan says management is focused on the CapStar integration and organic growth. Brendon Falconer, finance chief of the Indiana company since 2019, faces felony child molestation charges.

Indiana 61

Indiana National Management Company 61

Bobsguide

MAY 11, 2022

London, UK – May 4, 2022 – Today Finastra announces the launch of Finastra Managed Services (FMS) on Amazon Web Services (AWS) to enable banks and financial institutions to access FMS in the AWS cloud. FMS being available in the AWS cloud has already demonstrated its benefits, helping a large multi-national U.S. Global Head of PR.

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Management Software Innovation Strategy 113

Independent Banker

DECEMBER 1, 2021

Here are some helpful tips and discussion points to assist you in core vendor management: . Make sure your team meets the team working behind-the-scenes, from the leadership team to the support managers. Vendor Management in Action . At IBT Apps, we know what community bankers need to make the right core decision.

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Management eBook Community Meeting 103

South State Correspondent

JUNE 21, 2022

This decision coincided with rate hikes by the Swiss National Bank, its first since 2007, the Bank of England, and the European Central Bank announced at an emergency meeting that they would raise interest rates next month and again in September. This secular change will allow better-managed banks to outperform their peers. Conclusion.

Community Bank 359

Community Bank Policies Community Marketing 359

PYMNTS

MAY 27, 2020

A new category is starting to grow around this area of online reputation management, with Lexus one of the latest brand names to embrace it. The company announced yesterday (May 26) that it will partner with Widewail, an automotive reputation management and social media engagement solution.

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Online Management social media Branding 151

Jack Henry

SEPTEMBER 11, 2023

I grew up in a small town before regional or national banks were common (or even allowed). Banking was synonymous with community, and walking through the doors of my local branch to deposit my paper route earnings meant conversations with tellers and managers that I’d known – quite literally – my entire life.

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Digital Banking Regional Community National 109

South State Correspondent

AUGUST 21, 2022

Last week we wrote about loan-level vs. balance sheet hedging for community banks and provided our loan proposal generator ( HERE ). We compared and contrasted the two strategies and sized the market for community banks. A community bank may transact one or only a few balance sheet hedges over many years.

How To 195

How To Community Bank Community FDIC 195

PYMNTS

NOVEMBER 26, 2019

They keep their business personal: the product manager is a hockey coach and hockey dad who is out on the rinks daily, thinking of new products and ideas to cater to other parents of budding young hockey stars. He sees it less as a group and more of a community. So, it decided to start a private Facebook group for hockey parents.

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Community United States Groups Exercises 161