February, 2022

What’s threatening data-driven growth for banks?


There’s more data available to banks than ever before. So why aren’t they using it to drive growth? Most commercial banks know that making better use of their data would have a significant impact on their business. As I discussed in my first post in this series, data can be used to improve a bank’s….

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10 Commandments for a Financially Secure Future


Behold! The 10 commandments that can help you part troubled financial waters so you can walk confidently into the ‘promised land’ – a financially secure future! While there’s no one-size-fits-all approach to building a financially secure future, there are certainly some best practices that can help.


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How Relationship Lending & A Transaction-Oriented Focus Can Win More Business Loans


Personalized Touch with Efficient Service Can Boost Lending Banks and credit unions can boost business lending by combining a relationship focus with transaction-oriented processing. . You might also like our new podcast "Ahead of the Curve: A Banker's Podcast" Listen .

Our ARC Lending Tactic For Quality Loan Growth

South State Correspondent

In our article last week ( HERE ), we discussed how the yield curve is currently flat between the three and 20-year points. This makes term loan pricing between three years and 20 years virtually identical.

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.

Aaron Stetter: Back to Capitol Hill

Independent Banker

The ICBA Capital Summit is the premier event for community bankers looking to advocate for their industry. In person for the first time since 2019, the ICBA Capital Summit in Washington, D.C.,

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More Trending

Banking in the metaverse: the next frontier


As you read this, the internet is being reshaped. And it’s already transforming banking. We have not witnessed a topic explode quite like the metaverse.

The Bank Legacy Is Dead: Long Live the Fintech Collision


While AOBA 2022 had its share of execs wanting to “fake it until they make it” with future innovation, credit is due to the bankers who are pouring real financial investment into new fintech experiments.

What to Expect in 2022: BSA/AML Regulatory Hot Topics


What to watch for in 2022 Expect these eight BSA /AML regulatory topics to see changes in 2022 and start preparing now to help your institution s tay up to date. You might also like this webinar on BSA/AML regulatory hot topics. WATCH.

Bank Product Design – The #1 Reason Why Your Bank Isn’t Growing Faster

South State Correspondent

The reality is that most banks only design less than half a product. Sure, bankers are great at getting the basics right, but there is rarely much thought around 66% of the product’s design after that.

How Preparation and Strategy Can Be Used to Fight and Defeat Any Ransomware Attack

Speaker: Karl Camilleri, Cloud Services Product Manager at phoenixNAP

Through a detailed analysis of major attacks and their consequences, Karl Camilleri, Cloud Services Product Manager at phoenixNAP, will discuss the state of ransomware and future predictions, as well as provide best practices for attack prevention and recovery.

Build your community bank’s brand with swag

Independent Banker

Tioga State Bank aims for a pragmatic approach to its swag.

Sure-Fire Ways To Keep Your Credit Card Usage From Spiralling Out Of Control


Description: While a Credit Card is a wonderful tool for enhanced liquidity, irresponsible usage can wreak long-term damage. Here’s how to keep your card usage in check to maximise the benefits of owning a Credit Card. A Credit Card is a wonderful tool to get some extra liquidity.

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Transforming banking to adapt to the new world


Ten years ago, the word “bank” evoked imagery of long lineups, heavy paperwork and months-long processing time. Fast-track to today, and customers want a one-stop solution to cater for an “on the move” lifestyle.

A Bank, An Insurer & Their Digital Transformation Playbooks

Daily Fintech

Across economies, there is rising evidence of correlation between total shareholder return (TSR) and digital capabilities. “Digital champions” had annual TSRs that were 5% higher than “digital laggards”. They were also faster growing with nearly 6% higher annual premium growth and 1.8X

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.

ALM 101: Introduction to Asset/Liability Management – Part 2: Interest Rate Risk – Earnings at Risk


ALM & measuring short-term interest rate risk Interest rate risk is measured through two approaches. This ALM 101 post describes the earnings at risk(EAR)/income at (IAR) risk perspective (short-term risk to the income statement). Would you like other articles like this in your inbox?

Setting Loan Maturity – Use This Trick To Better Compete

South State Correspondent

Community banks refine their products and services to compete for better borrowing relationships – the better borrowing relationships are associated with better credit quality, meaningful cross-sell opportunities, acceptable margins and fee income, and higher return on equity (ROE).

Charles Potts: Unlocking better customer connections

Independent Banker

By Charles Potts, ICBA. Innovation is a priority for ICBA. That’s why we’ve spent the past three years educating community bankers on the why of innovation: why bankers should be thinking about innovation, why innovation is a top priority in a digital-first environment and why now is the time to act.

Market Commentary: Week of February 22, 2022

SWBC's LenderHub

Last Week. It was another wild and crazy one last week as the markets dealt with the dueling narratives of a flight to quality, risk-off reaction to the growing Ukraine crisis in Europe, and continued inflation pressures at home. We ended the week focused on the former as stocks sold off hard.

A Comprehensive Guide to Construction Loan Issues for the Commercial Loan Market

Understand how to mitigate risk & protect the interest of all parties with this exclusive, must-have guide outlining important issues for commercial construction lending & best practices.

Why payments will be forced to innovate in 2022


The payments space has surely seen more than its fair share of disruption in the last decade. The advent of service providers like Square, Venmo, Alipay and PayPal has rewritten customer expectations around sending and receiving money.

6 Tips for How to Improve the Customer & Member Experience (CX)

Strategically Speaking

In an age when tech giants have made online and mobile processes fast and enjoyably easy, your accountholders want (and expect) the same simplicity and optionality from your financial institution as they do from Netflix and Hulu.

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Leveraging Automated Underwriting for Small Business Lending


Loan Decisioning Allows Small Business Lending to Grow Community financial institutions can leverage automated loan underwriting to increase small business lending and achieve consistency. . Would you like other articles like this in your inbox?

Why Digital Assets Are Your Bank’s Future

South State Correspondent

Scoff at the NFT’s all you want, but they are your bank’s future. Not every bank, just those that will survive. All the crypto ads during the Super Bowl are another sign of this. Sure, in part, it’s a hype-driven Pets.com moment.

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CMBS Lending on the Rise: Uncover 10 Common Myths of Securitized Lending

CMBS Lending is an established and growing industry that is, once again, rising to the top as a significant source of permanent loan financing. Learn the truth about CMBS lending and why it might be the best financing solution.

Lindsay LaNore: The impact of rewards and recognition

Independent Banker

By Lindsay LaNore, ICBA. In the last of our three-part look at the three Rs ( recruit , retain and reward), we’re exploring the importance of having a reward or recognition program.

Market Commentary: Week of February 14, 2022

SWBC's LenderHub

Last Week. It was another week for the ages. On Thursday, the January CPI reading came in much higher than expected (and expectations were pretty high) with price pressure hitting just about every part of the economy.

Concerned about cyber security? It’s time to talk more about cloud


A year or so ago, I wrote that moving to cloud was non-negotiable for middle market banks. My reasoning? Cloud enables everything banks want (and need) to do to compete with digital players.

What are the biggest ATM security issues?

ATM Marketplace

Physical threats are not the only security concerns for ATMs. Outdated key standards and card skimming are also major issues in the ATM industry. Let's take a closer look at some of these security issues and what causes them

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The 5 Stages of Account-Based Marketing — and How to Win Them All

Successfully complete the five stages of ABM: define, identify, engage, convert, and connect. We’ll show you how to create a unified system with your sales team to help them land more qualified opportunities and connect with prospects like never before.