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Loan Hedging for Community Banks in 2024

South State Correspondent

Community banks’ use of swaps (banks’ primary tool to hedge interest rate risk on loans) has increased substantially over the last ten years. Meanwhile, community banks face net interest margin (NIM) and fee income pressure. Meanwhile, community banks face net interest margin (NIM) and fee income pressure.

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New York Community Bancorp shares plummet amid unease over regional banking

TheGuardian

Alessandro DiNello, new executive chairman of regional US lender, acknowledges ‘serious situation’ as stock at lowest level in decades Shares in New York Community Bancorp (NYCB) continued to fall on Wednesday, heightening unease about the US’s regional banking sector.

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Regional, Community Banks Face Digital Challenges Post-Pandemic

Banking Exchange

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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Best practices for regional, community banks to create modern IT infrastructures

BankInovation

Fintechs are carving into the essence of what regional and community banks have done for generations, […] Emerging financial technology companies have built new services and offerings that place the customer experience front and center, providing a flexibility and speed that traditional banking institutions struggle to match.

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The Threat That Could End Community Banking & What To Do About It

Community banks are at risk of losing their core business to the companies innovating in the paytech and lendtech spaces. On the surface, things are going well for community and regional banks and credit unions. Read this eBook to understand how to counteract the key threats to community banks coming from the tech industry.

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Community Bank Hedging Options

South State Correspondent

Over the last 15 years, an ever greater percentage of community banks have embraced some form of interest rate hedging. However, about one in five community banks offer some form of loan-by-loan hedging products. Each has advantages and disadvantages, and the right solution may differ for each community bank.

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Community Bank Hedging Options

South State Correspondent

Over the last 15 years, an ever greater percentage of community banks have embraced some form of interest rate hedging. However, about one in five community banks offer some form of loan-by-loan hedging products. Each has advantages and disadvantages, and the right solution may differ for each community bank.

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Quick Guide to Digital Lending for Regional & Community Banks

How are some regional banks outperforming their bigger rivals? It’s an opportunity that other small and regional banks can learn from, and this guide is the playbook for how to do it. The answer may lie in their early adoption of digital lending as a core service.

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How to Attract Multiple Generations to Open New Accounts and Apply for Loans

Understanding these attitudes and using them to inform marketing messages enables community banks, regional banks and credit unions to better serve their customers. The experiences of every generation are characterized by their behaviors involving finances.