South State Correspondent

SEPTEMBER 12, 2022

We examine all FDIC-insured commercial banks and S&L associations over the last three decades and plot COF versus short-term rates. At SouthState Bank, we also study our COF as it is correlated with Fed Funds. The last two hikes were 75bps, and the market expects another 75bps in September.

Community Bank 195

Community Bank Community Industry Online 195

Insights on Business

FEBRUARY 22, 2019

New IBM research that analyzed data [3] between a bank’s deposit share vs. branch coverage in a market revealed four forces at play. The four forces are: Traditionally banks grew by opening branches under the assumption of a linear relationship between share of business and the number of branches in a market. See figure 3.

Branding 143

Branding FDIC Retail Leadership 143

Abrigo

SEPTEMBER 15, 2022

Monitoring construction loans improves outcomes, study finds. Takeaway 1 "Bank Monitoring with On-Site Inspections" will be presented later this month and claims to be the first empirical study of bank monitoring within non-syndicated loans. .

Study 195

Study FDIC Lending Risk Management 195

Jeff For Banks

JUNE 4, 2018

"The FDIC recently has observed instances of liquidity stress at a small number of insured banks." So opened the Summer 2017 FDIC Supervisory Insights issue. I recently wrote that I thought bankers would have to prepare to offer rates more in line with the market. And so went your exams. The Fed Funds Rate was 1.25%-1.50%.

FDIC 60

FDIC System Regulation Conference 60

Perficient

AUGUST 9, 2022

Greenwood operates completely online, but they partner with FDIC-insured banks and are part of a global ATM network that allows members to use more than 100,000 ATMs fee-free when they need to withdraw and deposit physical cash and checks.

Community 275

Community Customer Experience ATM Examples 275

Celent Banking

JUNE 22, 2017

A more surgical analysis considering market-specific shopping trends tells a different story – and justifies the build. Source: FDIC, Celent analysis. Kronos published its 2017 FMSI Teller Line Study. Source: 2017 FMSI Teller Line Study. A historic look at the number of bank branches by asset tier makes this clear.

Study 125

Study Community Bank Trends Analysis 125

Abrigo

AUGUST 3, 2015

The survey also found compliance burdens were limiting new product launches, new channel openings and/or new market entrance at more than 45 percent of responding banks. The benefit of community banks has always been a more customer-focused and community-based approach – they understand and trust the markets they serve.

Compliance 150

Compliance Community Bank Community Survey 150

PYMNTS

JANUARY 7, 2019

The new year dawned with the government’s statement that there is an “absence of a globally acceptable solution, and the need to devise a technically feasible solution” … and it all warrants “further study.”. Frankly, recent market movements have not given us any reason to be concerned,” she said. In the U.S.,

Regulation 151

Regulation cryptocurrency National Capital 151

PYMNTS

NOVEMBER 14, 2019

According to an FDIC study , 6.5 According to a study , 77 percent of U.S. Native payments gateway provider Paytm remains dominant in the country, though, and has extended its hold by capturing 50 percent of the market share and processing an average of 400 million monthly transactions. percent of U.S. million households.

Payments 124

Payments United States Online Google 124

Independent Banker

NOVEMBER 21, 2021

includes (from left): Christina Johantgen (head of marketing and creative), Joe York (head of product), Kelsey Cahill (summer associate), Jackie Charron (chief operating officer and executive vice president), Debbie Morin (chief financial officer), and CEO Charley Cummings. The team at Walden Mutual, a planned de novo in Concord, N.H.,

Community 170

Community New Hampshire New York Millennials 170

Abrigo

MARCH 2, 2023

Community banks and the entire banking industry face downside risks from inflation, rising market interest rates, and continued geopolitical uncertainty, the FDIC said recently in its quarterly report.

Technology 195

Technology Lending Community Software 195

CFPB Monitor

DECEMBER 6, 2021

However, a recent study commissioned by the Consumer Bankers Association (CBA) shows that overdraft fees have declined 40% in the past decade, a circumstance apparently unremarked by the CFPB. Significantly, neither the Director nor the recent CFPB reports identify specific overdraft practices of concern.

Regulation 78

Regulation Policies FDIC Leadership 78

CFPB Monitor

DECEMBER 3, 2015

With regard to fees, the authors point to studies indicating that payday lending is very competitive, with competition appearing to limit the fees and profits of payday lenders. In particular, they cite studies finding that risk-adjusted returns at publicly traded payday loan companies were comparable to other financial firms.

Lending 60

Lending Study New York Kansas 60

PYMNTS

OCTOBER 26, 2018

According to new data from CCS Insight, the global wearables market will double in the next four years, hitting a value of $27 billion and 233 million units in sales. As the study notes, there is still a lot of room to grow. percent, down from 7 percent in 2015 – the lowest level since the financial crisis. percent last year, 1.2

Samsung 134

Samsung Apple Study Report 134

Jeff For Banks

MARCH 5, 2021

Shouldn't the CFPB work to address the impediments to starting a bank in LMI markets rather than punish community banks who scrambled to serve their customers when the economy shut down? If we lose 4% of FDIC-insured institutions per year, which was pre-pandemic pace, we will have ~ 3,300 institutions in 10 years.

Regulation 78

Regulation Indiana Charlotte Community Bank 78

South State Correspondent

APRIL 16, 2024

In this article, we highlight the details of these digital wallets and provide bankers with five marketing campaigns to bring these deposits back on balance sheet. According to a recent Capital One study done at the start of this year, 65% of U.S. adults said they used a digital wallet at least once in the past year.

FDIC 195

FDIC Examples Study Samsung 195

Jeff For Banks

FEBRUARY 6, 2011

The FDIC has nearly quadrupled its enforcement actions (“EA”) over the past three years. Perhaps the bank would like to pay higher than market dividend yields because their investor base enjoys dividends. I understand that management studies are not particularly comfortable. The stark increase in such orders has been alarming.

Regulation 71

Regulation FDIC National Capital 71

Independent Banker

SEPTEMBER 26, 2014

Arecent study published by MetLife Mature Market Institute estimates that the financial loss by victims of elder financial crimes and exploitation is more than $2.9 The video information was extracted from the FDIC-Consumer Financial Protection Bureau Money Smart for Older Adults, so it is reliable, accurate and timely.

Community 101

Community Resources Community Bank Video 101

Filene

JULY 18, 2018

The FDIC says more than 45 percent of Hispanic households were unbanked or underbanked in 2015. Here are just a few facts that support the notion that serving Hispanic immigrants and the Hispanic market as a whole is not only the right thing to do, it also makes good business sense: The annual spending growth rate for Hispanics is 4.1

Community 28

Community Study Resources Lending 28

PYMNTS

OCTOBER 29, 2018

In fact, according to our recent study, they come in dead last. There’s a big available market with a lot of room to grow that pie – after all, Amazon “only” has about 50 percent of the online commerce market , and the U.S. And that is a bank – one with FDIC insurance and safeguards that keep their money safe.

Payments 196

Payments Google Apple Innovation 196

CB Insights

JUNE 5, 2018

This isn’t due to a lack of mobile devices (according to the World Bank, the US had 123 mobile cell subscriptions per 100 people in 2016), nor is it due to a lack of offerings — a study in the same year found that 88% of US consumers were aware of Google Pay, but only 14% had tried it. China’s alternative: Alipay and WeChat.

Payments 68

Payments Cards US Mobile 68

Jeff For Banks

OCTOBER 13, 2011

The recently released FDIC Summary of Deposits showed the second year of branch decline. The most recent ABA study on delivery channel preference showed online banking eclipsing branch transactions for the 55+ set. In other words, Wells could sell it and, current real estate market woes aside, can probably sell at a gain.

Branch Strategies 71

Branch Strategies New Jersey Strategy Capital 71

Abrigo

MARCH 13, 2023

Historic collapse SVB is different from other financial institutions The FDIC closure and assumption of Silicon Valley Bank (SVB) – the largest bank failure since 2008 – is a stark reminder that when a crisis occurs, it can spread as fast as a wildfire in dry fields with a strong wind. Was the loan repayment plan based on the IPO?

Strategy 195

Strategy Lending Security Analysis 195

Abrigo

NOVEMBER 29, 2021

Noninterest income associated with the housing markets such as securitization, trading, and real estate slowed significantly during the financial crisis and beyond. Noninterest income drove 20% of community banks' net operating revenue in 2019, down from 22% in 2012, according to a recent FDIC study.

Community Bank 195

Community Bank Community FDIC Trends 195

Independent Banker

MARCH 15, 2015

Jack Hartings and Mindy Kremer, marketing director for Mercer Health Hospital in Coldwater, talk in a patient care unit. With few underwater credits on its books, the bank continued to lend as others left the market—though it still faced the challenge of distressed sales depressing market values. “It Membership-Marketing.

Ohio 70

Ohio Community Bank Community Lending 70

Abrigo

JULY 22, 2022

Takeaway 2 While these financial products are appealing, the lack of stability and consumer protections surrounding them are a concern for the FDIC. ? . Takeaway 3 Financial institutions should notify the FDIC of crypto-related activity and be familiar with the risks of the cryptocurrency world. . A new and unpredictable market.

cryptocurrency 195

cryptocurrency FDIC Regulation Fraud 195

PYMNTS

DECEMBER 7, 2020

Companies that seek to issue stablecoins will have to get approval from the Fed, the FDIC and other regulators at least six months prior to launch. Recently, a BIS study concluded that embedded regulation might offer a solution for stablecoins.

Regulation 192

Regulation United States Cleveland cryptocurrency 192

Jeff For Banks

APRIL 14, 2022

Inside the FDIC: Thirty Years of Bank Failures, Bailouts, and Regulatory Battles 2015 Louis D. The Panic of 1907: Lessons Learned from the Market's Perfect Storm 2009 Lowell L. Bonadio Bonadio, Felice A. Giannini: Banker of America 1994 Richard X. Bove Bove, Richard X. Guardians of Prosperity: Why America Needs Big Banks 2013 John F.

America 78

America National Denver United States 78

Jeff For Banks

FEBRUARY 1, 2015

They didn''t even include bank in their marketing materials, leaving customers and potential customers wondering, who ? Innovative Bank - Through the worst banking crisis since the Great Depression, only about 5% of FDIC-insured financial institutions failed. Common sense trumps a marketing study.

Pennsylvania 60

Pennsylvania Baltimore Branding Indiana 60