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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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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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Derivatives Usage By Community Banks

South State Correspondent

However, the adoption of interest rate swaps is much lower at community banks (banks with under $10B in assets), with only a few hundred banks showing interest rate swap volume. Community banks that can maintain margins, increase fee income, and retain deposit-rich relationships will have a tremendous competitive advantage in the near term.

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A Look at DevOps in 2020: Sonatype’s Community Survey

Perficient

Sonatype recently released findings from its seventh annual DevOps Community Survey that examines the differences between mature and evolving DevOps practices, but with a new lens – how maturity levels impact developer happiness and culture. This year’s survey was comprised of 34 questions of Sonatype’s DevOps community between Jan.

Survey 506
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CFPB report highlights reliance on community banks in rural areas

ABA Community Banking

In a data snapshot, the CFPB highlighted some of the unique challenges facing rural Americans, including an increased reliance on physical bank branches, given the limited access to high-speed internet and online banking options in many of these communities.

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5 Critical lender dashboards & reports for credit leaders

Abrigo

Adapt to a dynamic banking environment with real-time lending & credit data Lender dashboards and reports showing the lending pipeline, pricing trends, emerging risks, workflow bottlenecks, etc. They can result in sub-optimal lending for community banks and credit unions as well as the communities they serve across the country.

Report 195
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Brad M. Bolton: Advancing our communities

Independent Banker

As community bankers, our customers depend on us to keep their dreams alive. Thankfully, that glass-half-full attitude comes naturally for community bankers. As community bankers, our customers depend on us to keep their dreams alive. We take these actions because we are community continuators. We’re more than just banks.

Community 182