South State Correspondent

APRIL 30, 2022

Based on the futures market, the Federal Reserve is expected to raise the Fed Funds rate to 3.00% at its December 2022 meeting. The Fed will also aggressively shrink its balance sheet to tame unwanted inflation. These two Fed moves, along with the economic environment and customer behavior will impact your forecasting of your cost of funds. In this article, we analyze the industry’s cost of funding earning assets (COF) and track how community banks’ COF behaves relative to larger banks.

Community Bank 195

Community Bank Strategy Community FDIC 195

Independent Banker

APRIL 30, 2022

By Lindsay LaNore, ICBA. Karen Thomas. This year, after almost 30 years at ICBA, Karen Thomas is retiring. As the leader of our government relations and advocacy team, she has built an exceptional legacy and garnered industrywide admiration for the depth of her knowledge and her remarkable humility. As her departure approaches, we sat down to discuss her path to leadership and her advice to others.

Leadership 180

Leadership Training How To Policies 180

Bobsguide

APRIL 30, 2022

Advisory Group will consist of senior credit traders from AllianceBernstein, American Century Investments, BlackRock, Invesco, MetLife Investment Management, PIMCO, and PineBridge Investments. To further develop corporate bond trading and advance market structure, global Fintech leader Broadridge Financial Solutions Inc. (NYSE: BR) has formed a new Buy-Side Advisory Group for LTX, Broadridge’s artificial intelligence (AI)-driven electronic trading platform.

Groups 113

Groups Management Innovation Marketing 113

Independent Banker

APRIL 30, 2022

Photo by Chris Williams. Focusing on the ‘whys’ helps employees see how decisions fit together in a perfect puzzle for high-performing success, and it motivates them to be contributors to that success. In community banking, we’re not ones to rest on our laurels. We’re always raising the bar for ourselves, our teams and our communities to ensure we provide the best possible services to our customers.

Community Bank 171

Community Bank Community Knowledge Base Leadership 171

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Now is the time for lenders to prioritize their digital transformation initiatives in preparation for the lending rebound. Rising competition and ever-increasing customer demands for speed and efficiency are forcing financial institutions to embrace digital transformation. This shift can feel overwhelming—where do you begin? This infographic illustrates automation demands and shows you how loan document automation serves as an essential step to increase profits and provide the best lending exper

Lending

Jeff For Banks

APRIL 30, 2022

Me: Commercial Real Estate loans are the most profitable product in a community bank's arsenal and have been through various interest rate environments. Bank Senior Lender: Not when you consider the whole relationship. True, it is more likely that a traditional business borrower has a full relationship with their bank than a typical commercial real estate (CRE) borrower.

Lending 78

Lending Massachusetts Taxes Community Bank 78

American Banker

APRIL 30, 2022

Industry 91

Industry 91

Independent Banker

APRIL 30, 2022

Plumas Bank CEO and delegate for ICBA’s Federal Delegate Board Andrew Ryback (right) assesses the Dixie Fire’s damage to downtown Greenville, Calif., with Donavon Beatty from Beatty Construction. Photos courtesy Plumas Bank. In the wake of the devastating Dixie Fire in northeastern California, Plumas Bank partnered with a local community foundation, forming the Dixie Fire Fund with a $50,000 bank donation.

Community 150

Community Nevada California Community Bank 150

American Banker

APRIL 30, 2022

Colorado 69

Colorado Industry 69

Independent Banker

APRIL 30, 2022

Photo by Ridofranz/iStock. Mobile transactions. Multichannel experiences. Heightened data privacy awareness. As consumers’ changing preferences prompt community banks to deliver new technologies, here are some of the top trends to keep your eye on. By Mary Yerkes. From contactless payments to the digitization of business-to-business (B2B) payments, trends in business payments are shifting to meet customer preferences, making this space one to watch for community banks.

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Trends Payments Community Bank Community 144

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In this report, you’ll find a comprehensive analysis of survey responses from executives at banks, credit unions, and insurance companies concerning their organization’s current and future use of automation. The report’s key insights include: Which types of automation are saving organizations the most time and money How to overcome the biggest barriers to automation implementation and adoption Why automation investments will continue to grow over the next few years How much you could save in 202

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American Banker

APRIL 30, 2022

Industry 69

Industry 69

Independent Banker

APRIL 30, 2022

Photo by Alita/Stocksy. During the pandemic, many community banks needed to change how they operated. For this and other reasons, now is a good time to review and refresh articles, bylaws and committee charters to ensure resilience and bolster risk management. By Susan Springer. For organizations that view corporate governance as a checklist, it’s a burden.

Oregon 91

Oregon Community Bank Community Meeting 91

American Banker

APRIL 30, 2022

Industry 69

Industry 69

Independent Banker

APRIL 30, 2022

By Charles Potts, ICBA. Community bankers are embracing innovation like never before—with impressive results. But with so much emphasis placed on customer-facing products and technologies, innovating back-office operations can fall to the bottom of the priority list. ICBA sees things differently. We believe operations is the “engine” that drives every aspect of banking and, ultimately, the bottom line.

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Innovation Community Bank New York City Community 91

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Commercial lending is on the verge of a resurgence, but traditional processes are an obstacle. Explore the top 3 reasons for resistance to digital transformation and how overcoming them can pave the way for growth and efficiency. Discover why embracing automation and digital solutions is crucial for success in today's competitive landscape. Discover how GoDocs helps commercial lenders in the digital era with seamless integration and a borrower-focused approach.

Lending

American Banker

APRIL 30, 2022

Industry 69

Industry 69

Independent Banker

APRIL 30, 2022

While most of Alpine Bank’s in-lobby “shops” are carried out here at its Glenwood Springs branch, the program also has an online element. It’s no secret why Alpine Bank’s mystery shopper program has helped the community bank meet and exceed customer expectations over the past two decades. By William Atkinson. Name: Alpine Bank. Assets: $6.4 billion.

Community Bank 91

Community Bank Community Illinois Online 91

American Banker

APRIL 30, 2022

America 69

America Industry 69

Independent Banker

APRIL 30, 2022

Illustration by Eight Hour Day. Independent Banker’s annual listing top-performing community banks of 2021 alongside interviews with some of the winners. In true community bank fashion, each has its own story to tell and its own path to success. By Molly Bennett, with contributions from William Atkinson, Ed Avis, and Colleen Morrison. What fits one does not fit all.

Community Bank 172

Community Bank Community Montana Taxes 172

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Technology is rapidly changing the way accountants perform and manage month-end activities. Spreadsheets, email, and shared drives no longer have to slow us down. Join us as we present a "sneak peek" recorded demo of SkyStem's month-end close solution – ART. In under four weeks, your team can start reaping the benefits of month-end close automation by vastly reducing spreadsheets, cut down on reconciliation work, speed up the month-end close, and better manage your remote team.

US

American Banker

APRIL 30, 2022

Industry 68

Industry 68

Independent Banker

APRIL 30, 2022

Photo by Chris Williams. Everything feeds into the customer experience, and that ability to meet and exceed customer expectations is what distinguishes us as community bankers. “All in.” That phrase echoed throughout ICBA LIVE this year, and it’s an expression that I have fully embraced. Because it’s more than a saying; it’s a rallying cry for community bankers.

Community 91

Community Mississippi Louisiana Customer Experience 91

American Banker

APRIL 30, 2022

Industry 68

Industry 68

American Banker

APRIL 30, 2022

Company 66

Company Industry 66

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Get ready for the wave of $1.2 trillion in commercial debt maturing in the next 24 months with GoDocs' ModDocs® platform. Traditional loan modifications are slow, expensive, and prone to errors, which put lenders at risk. But with ModDocs®, you can enjoy an innovative solution that eliminates attorney fees, allows on-the-fly loan modifications, and ensures compliance.

Compliance

American Banker

APRIL 30, 2022

Security 65

Security Industry 65

American Banker

APRIL 30, 2022

Policies 36

Policies Industry Technology Payments 36