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CRE risk management: Identify and manage concentration risk

Abrigo

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. LISTEN Takeaway 1 Effective CRE risk management involves adapting to changing market fundamentals to avoid excessive loan losses.

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Community Bank Performance – 2Q Lessons

South State Correspondent

In this article, we analyze the underlying data for community banks and focus on the Chairman’s view of the future of bank performance. Community banks were challenged with increasing deposit costs and a lower increase in loan yield than the industry average, leading to a decline in NIM.

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Predicting Community Bank Cost of Funds

South State Correspondent

Community bank cost of funds is jumping up. As shown in the graph below, the net interest margin (NIM) for community banks declined 22bps in Q1’23. The question is – what will happen to community bank’s cost of funds from here? The graph below shows community bank cost of funds compared to those banks over $25B.

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3Q 2023 Commercial Loan Pricing Trends

South State Correspondent

Since our last update on 2Q credit HERE , 3Q commercial loan pricing trends start with a better economic picture as higher than-planned growth and softer inflationary data have changed part of the market’s outlook. The above trends of PODs, combined with less competition and lower credit supply, have mainly driven loan pricing up.

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CRE risk management: Navigating hazards and opportunities

Abrigo

Stress testing, monitoring are essential Financial institutions should challenge assumptions about CRE risk while also watching for red flags as they manage the CRE portfolio. WATCH Takeaway 1 Banks and credit unions are critical sources of capital for businesses in their communities, so how institutions assess CRE credits matters.

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How community banks can leverage payment trends

Independent Banker

Photo by Zutik by Andoni/Stocksy Data analysis can illuminate patterns and trends in your customers’ transactions. Community bankers and industry experts share how to best put this data to use. billion-asset First State Community Bank in Farmington, Mo. All data creates a competitive advantage. The results?

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4 trending social media tips to know

Independent Banker

The Social Bankers, a collective of community bank marketers, offers inspiration, information and professional development advice to community bankers focused on marketing and social media. And that means it can be a challenge to keep up with the latest trends in social media marketing. Illustration by miakievy/iStock.