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1Q 2024 Commercial Relationship Credit and Pricing Trends

South State Correspondent

Since our last update on pricing and credit HERE , commercial loan pricing trends for the first quarter of 2024 continue to be driven by the perceived increase in credit risk, tighter credit supply and banks’ need for wider margins. percentage points bringing forward looking LGD to 44% of the average community bank loan amount.

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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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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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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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Personalized Digital Engagement Is Essential Yet Undervalued in Financial Services

Download this perspective to learn about the: - Necessity of marketing automation - Importance of reviewing and utilizing customer data - Benefits of optimizing collected analytics - Growing need for digital engagement

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New Trends Redefining the Role of Community Banks

Independent Banker

This year, an overwhelming amount of industry and media attention has been focused on sky-high neobank valuations, big tech’s continued foray into banking, and emerging finance trends, like buy-now-pay-later and the growing cryptocurrency market. Community FIs are critical to maintaining competition and equity in the U.S.

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Community Banking Trends for 2022

The Emmerich Group

There are many new trends that are hitting us in banking. And let’s also talk about how to make sure that you’re successfully managing some of these banking trends. Banking Trend Number One. The post Community Banking Trends for 2022 appeared first on Roxanne Emmerich. Continue Reading.

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Level Setting and Peering Around the Corner— Tips for Success in Your Organization

Speaker: Steve Andrews, President & CEO of the Western Bankers Association 

Steve will provide actionable insights, best practices, and real-world examples of the changing landscape of community banking. This exclusive webinar will go over the insider information your bank needs for level setting and peering around the corner. In this webinar, Steve will cover: The current shrinking margins we are facing.