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.

Community Bank 169

Community Bank Community Montana Leadership 169

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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Community Community Bank Regional Lending 193

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.

Community 269

Community Retail Strategy National 269

Abrigo

JANUARY 17, 2024

Human trafficking red flags, strategies, and support Human trafficking is more prevalent than most realize, and banks and credit unions can help prevent it. You might like this upcoming webinar, " Unveiling human trafficking: Perspectives, realities, and strategies." Know the red flags to watch for. and worldwide.

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Training Community Software Texas 259

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.

Community Bank 195

Community Bank Community National Strategy 195

South State Correspondent

SEPTEMBER 18, 2023

This development is very important to community banks, as their efficiency ratio also increased, but to 61.63%. The national banks have already indicated how they plan to reverse the efficiency ratio increase – through headcount reduction. What is Driving the Efficiency Ratio at Community Banks?

Management 195

Management How To Community Bank Community 195

Abrigo

MAY 1, 2023

Visit the National Suicide Prevention Lifeline or simply dial 988 to reach them. Keep me informed Download Strategies to destress Decrease stress during your AML/CFT workday Mental health in the workplace is essential and a topic worth discussing without fear. Find a licensed counselor in your area. Be ready for AMLA-related changes.

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Strategy Training Fraud Software 195

BankInovation

MARCH 24, 2021

Since its founding in Evansville in 1834, Old National Bank has focused on community banking by building long-term, highly valued partnerships and keeping our clients at the center of all we do. This is an approach that we call The ONB Way and it has never been more important given the ongoing challenges being presented […].

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National Strategy Community Bank Community 96

Cisco

JANUARY 10, 2023

As a change agent serving the financial services industry for over 20 years, it is a great privilege to collaborate with Bank, Insurance, and Wealth Management institutions to devise and execute digital transformation strategy, solve complex business problems, and leverage technology to strengthen business results. Previous FSI Commentary.

Digital Strategies 174

Digital Strategies Strategy America Innovation 174

Independent Banker

JUNE 30, 2022

A new approach to loan protocols is just one way for community banks to grow in new and different directions. Amid changing economic conditions and rising rates, it’s a good time for community banks to re-evaluate their loan strategy with an eye on adaptability. David, Community Bank Consulting Services, Inc.

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Lending Strategy Community Bank Community 103

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

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

The Financial Brand

AUGUST 31, 2020

The post Taking a Community Bank National Demands a Niche and a Strategy appeared first on The Financial Brand. Building innovation on a basic bank chassis to produce fresh growth and expansion means venturing beyond your institution's comfort zone.

Community Bank 34

Community Bank National Strategy Community 34

Gonzobanker

OCTOBER 13, 2020

With megabanks spending billions on digital investments each year, regional and community bank executives understand they cannot compete on resources. Instead, these players are focusing on specific niches, brand strategies and community connections to differentiate themselves. Engage Net Promoter and Client Feedback Channels.

Strategy 158

Strategy Digital Banking Digital Strategies Mobile 158

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. Furthermore, high federal government debt does not just lead to higher interest rates but also poses economic, national security, and social challenges. With time, these changes will only amplify.

Risk Management 195

Risk Management Community Bank Policies Community 195

PYMNTS

JUNE 1, 2018

Estonia has shelved plans to develop its own national cryptocurrency after the idea prompted criticism by banking authorities and Mario Draghi, the Italian economist and president of the European Central Bank. Other options aren’t on the table. We’re not building a new currency,” the official told Bloomberg.

cryptocurrency 124

cryptocurrency National System Report 124

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.

Community Bank 195

Community Bank Community Capital Analysis 195

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. This is strong evidence that community banks are pricing to an arbitrary minimum credit spread in this set of loans.

How To 195

How To Community Bank Community Management 195

PYMNTS

JUNE 10, 2020

Groups like the National Retail Federation (NRF) focused more on economic forecasts and supply chain issues as other advocacy groups that have taken the fight for more stimulus dollars to Washington, D.C. The consortium is made up of GMDC’s Retail Tomorrow , the International Housewares Association and the National Grocers Association (NGA).

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Groups Retail Strategy National 141

PYMNTS

NOVEMBER 26, 2019

The Marketing Strategy . He sees it less as a group and more of a community. Laine says that the company built the community into a place that provides value through content as well as deals. The company typically looks for hockey parents — particularly hockey moms with children around the age of 12 — for its targeted marketing.

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Community United States Groups Exercises 161

South State Correspondent

FEBRUARY 22, 2024

For example, at present, return on equity performance is about 12% for the average community bank. 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. Banks consistently produce under their cost of capital.

How To 195

How To Strategy Capital Lending 195

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. We also shared a table that summarized the two strategies. Why Community Banks Use Loan-Level Hedging.

How To 195

How To Community Bank Community FDIC 195

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.

Management 195

Management National Guidelines Capital 195

PYMNTS

APRIL 27, 2016

Vantiv is introducing a new online community centered on fostering and supporting small businesses. “More than half of all Americans either own or work for a small business, so this is a huge segment of the population,” Michele Herron, head of SMB strategy at Vantiv, said in a press release. “It Helping SMBs succeed.

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Community Resources National Analytics 100

PYMNTS

JULY 27, 2020

She is also a member of the Noank Agriculture Cooperative , which includes all elements of the oyster hatching and farming community on the Long Island side of the sound. This is the area of expertise for marine biologists such as Karen Rivara, who owns and operates Aeros Cultured Oyster Company on the northern shore of Long Island.

Industry 157

Industry Strategy New York City Connecticut 157

Abrigo

MAY 8, 2015

In recent months, the momentum around reducing the regulatory burden on the nation’s community banks has continued to gain steam. However, the regulatory landscape continues to evolve, leaving resource-constrained community banks to cope with new demands. The second idea is community bank exemption from the Volcker Rule.

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Community Bank Community How To Meeting 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. All community associations, regardless of size or location, must adequately fund reserves pursuant to the reserve study required. What about the long-term financial strategy? banks by assets.

Community 52

Community Florida Study ATM 52

Jeff For Banks

FEBRUARY 20, 2016

On February 14-17 the American Bankers Association held their National Conference for Community Bankers. My first regarded attendees growth strategies. Farm Credit, particularly in rural markets, are a significant threat to community banks. The format was to first ask a couple of group questions. It's not so bad.

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Conference Community National Millennials 60

South State Correspondent

MAY 18, 2022

In two recent articles, we reviewed the banking industry’s deposit behavior with regard to cost of funding earning assets (COF) ( HERE ), and we compared how community banks’ COF behaves relative to national banks in a rising interest rate cycle ( HERE ). Deposit Behavior In This Tightening Cycle Versus Last Three.

Community Bank 195

Community Bank Community Analysis Industry 195

Abrigo

JULY 21, 2021

As part of the Financial Crimes Enforcement Network’s (FinCEN) first national priorities list for anti-money laundering and countering the financing of terrorism (AML/CFT) policies, one important priority continues to be detecting, reporting, and preventing terrorist financing. See Part I: Implications for Community Financial Institutions.

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Training National Strategy Regulation 195

Independent Banker

DECEMBER 31, 2018

. “We look forward to serving you and your community bank in the year ahead.”. Happy New Year, community bankers! And if you haven’t done so already, I encourage you to also come up with a community banking resolution—one that helps you flourish as a professional. Where I’ll be this month. now is the time. now is the time.

Community Bank 70

Community Bank Community Nashville Fintech 70

ABA Community Banking

JUNE 19, 2019

As banks across the country mark American Housing Month in June, the ABA Banking Journal Podcast sat down with Michael Petrie, who leads the $4 billion Merchants Bancorp in Carmel, Ind. -- one of the nation's largest affordable housing lenders.

Strategy 85

Strategy National Community Bank Community 85

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

MAY 13, 2020

The Independent Community Bankers of America refused to rule out legal action if Congress doesn't address the National Credit Union Administration's recent decision expanding the low-income designation.

Community 78

Community Community Bank Regulation America 78

PYMNTS

JANUARY 5, 2021

The San Jose-based community development financial institution, or CDFI, on Tuesday (Jan. The Accion Opportunity Fund , which bills itself as the first organization with a nationally focused, small business microlending strategy, was launched in March 2020 when Opportunity Fund and the Accion U.S. Network teamed up.

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San Jose Lending Community California 198

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

Independent Banker

AUGUST 31, 2022

Daniel Galindo, pictured, and Doug Schaeffer of Woodforest National Bank helped involve the community bank in providing funding for and access to affordable housing. Name: Woodforest National Bank. Doug Schaeffer, Woodforest National Bank. Doug Schaeffer, Woodforest National Bank. By Aileen McDonough.

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Austin Texas Community National 91