Sun.Jul 31, 2022

What Will Be The Fed’s Terminal Fed Funds Rate?

South State Correspondent

Last week the Federal Reserve raised the Fed Funds rate by another 75 basis points – that was no surprise to the market. However, in Powell’s unscripted remarks at the press conference, he stated that interest rates have reached a “neutral level.”

Opportunities in difficult times

Daily Fintech

The economic situation is grim and some experts fear that we will end up paying a big price for Russia’s invasion of Ukraine and persistent manufacturing delays from China because of the ongoing Covid pandemic.


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4 trending social media tips to know

Independent Banker

Illustration by miakievy/iStock. The Social Bankers, a collective of community bank marketers, offers inspiration, information and professional development advice to community bankers focused on marketing and social media. We asked them for their need-to-know social tips. By Julie Kendrick.

The OCC’s Interest Rate Risk Report: A banker’s guidepost in ALM


Using the OCC Interest Rate Risk stats for asset/liability management models Financial institutions can use statistics in the OCC Interest Rate Risk Reports to gauge whether their bank is an outlier on the risk scale. You might also like this webinar, "Banking in a rising-rate environment." WATCH .

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How to Choose the Best Automated Documentation System for Commercial Loans

Not all automated loan doc prep solutions are created equal. That is why we have put together a checklist to help you evaluate potential partners and find the best-automated documentation system for your requirements and needs.

Brad M. Bolton: Retaining the best

Independent Banker

Photo by Chris Williams. The people behind a community bank make it what it is. Our relationships with our customers begin and end with us, so it’s our obligation to ensure our employees embrace our values and care about the community.

More Trending

Rebeca Romero Rainey: Budget prioritization

Independent Banker

Photo by Chris Williams. The road ahead feels uncertain. Between growing inflation and fluctuating interest rates, the future may seem more clouded than ever, leaving us to ponder, “Where’s the crystal ball when you need it?”.

After 2008’s financial crisis, life went back to normal. Will it this time?


A few short years after the financial crash, oil, food and flights were affordable again. But this downturn looks much darker Watching the Conservative party candidates spray money around as they vie to win the keys to No 10, it seems churlish to ask where the cash will come from.

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Efficiency now: 8 smart strategy tips

Independent Banker

Illustration by Jill DeHaan. Fallout from recent global events presents an obstacle to generating revenue for community banks. How can they counteract these effects and maximize financial efficiency? As we enter budgeting season, the answers might be found in a mix of strategies. By Elizabeth Judd.

May I have a word about raising an ‘incident’ in the case of a broken TV | Jonathan Bouquet


The National Trust dealt with our holiday complaint but it wasn’t quite as dramatic as the rep made it sound Having just returned from a very relaxing sojourn in Cornwall, staying in a National Trust cottage, I really should have no grounds for complaint, and yet. A couple of niggles. You’re not a holiday-maker if you stay in a NT property, you’re a “supporter”. Heaven knows what that means exactly. And then there was the broken television. Sound, but no picture.

Digitally Transforming the Engagement Experience for Financial Institutions

Customer experience has become a key differentiator. Learn how to launch your digital transformation by incorporating two customer experience trends into your digital transformation strategy: self-service & personalization.

SouthState Bank turns swag into art

Independent Banker

Artist Gardner Cole Miller, left, and SouthState Bank’s Shretta Godbolt turn bank-donated T-shirts into an original woven placemat. After a recent merger, SouthState Bank had hundreds of unused T-shirts featuring its old logo.

Four Essential Tech Trends Changing Banking in 2022 and Beyond

The Financial Brand

This article Four Essential Tech Trends Changing Banking in 2022 and Beyond appeared first on The Financial Brand. Banks and credit unions should prepare for ecosystems and the metaverse, as well as use cutting-edge AI to anticipate customer needs.

Lindsay LaNore: Strategic training initiatives

Independent Banker

Illustration by Sesame/iStock. The workplace is in constant flux, business goals are growing and employee preferences are evolving.

How Ally Bank’s CMO Course Corrects Messaging for a Tough Economy

The Financial Brand

This article How Ally Bank’s CMO Course Corrects Messaging for a Tough Economy appeared first on The Financial Brand. Rate increases, inflation and looming recession have shaken people. Financial marketers must find helpful messages to send amid the noise.

Digital Commercial Lending Technology Case Study: Increasing Loan Volume and ROI

In this Commercial Lending Case Study, you'll discover how to leverage digital lending technologies to accelerate growth and leapfrog the competition in the private lending market. A new and innovative approach to mortgage lending — growing lending volume by orders of magnitude.

Jim Reber: Floating rate assets are back

Independent Banker

Photo by nicomenijes/iStock. The financial press, economic commentators and social media sites have used a collection of terms this year that convey a certain image of market values for investment securities: “Plummet.” Underwater.” Leaking oil.” Nosedive.” I think you get the picture.

Charles Potts: Strengthening human connections

Independent Banker

Photo by Violeta Stoimenova/iStock. Community banks are feeling the impact of the Great Resignation just like other industries, but with some significant differences.

Innovation Conversations: Rockland Trust

Independent Banker

When Rockland Trust synced up with an ICBA ThinkTECH Accelerator grad to launch a virtual digital banking platform, it took relationships between the community bank and its customers to a whole new level. By Colleen Morrison. For Rockland Trust, a $20 billion-asset community bank in Rockland, Mass.,

A digital-first bank for south Florida

Independent Banker

Banking veteran Keith Costello cofounded Locality Bank, where he serves as president and CEO, to champion for south Florida small businesses financially affected by the pandemic.

The Non-QM Market Experiences a Remarkable Comeback: Check Out the Industry Guide

As the commercial lending market evolves, non-QM loans are becoming increasingly popular. Check out this eBook for a detailed look at the benefits of non-QM loans, how to maneuver your way through, and what the future may bring.

Charles Potts: Strengthing human connections

Independent Banker

Photo by Violeta Stoimenova/iStock. Community banks are feeling the impact of the Great Resignation just like other industries, but with some significant differences.