Abrigo

DECEMBER 18, 2023

Takeaway 2 Advisors recommend that financial institutions look behind some of the headlines and examine their own markets before ruling out CRE altogether. Critical capital Should CRE lending be off the table? But understanding trends in their own portfolios and local markets can allow lenders to identify risk-appropriate CRE credits.

Risk Management 221

Risk Management Management Lending Capital 221

South State Correspondent

JUNE 10, 2015

Competition is intense and every lender is looking for an advantage against the national or regional bank. In the course of our work with community bankers, we deal with hundreds of banks across the country and talk to thousands of lenders.

Lending 150

Lending Marketing Regional Course 150

PYMNTS

MARCH 19, 2019

The country’s regulators have gotten tough on the shadow banking market in recent years. However, while regulators are happy to see shadow lending fade, the sector’s main borrowers — private companies — are feeling the strain. China’s $9.1 As a result, outstanding loans in the sector fell to ¥61.3 trillion ($9.1

Lending 100

Lending Regulation Maine Regional 100

PYMNTS

DECEMBER 28, 2020

In Mercado’s home nation of Brazil, he describes the last eight months as a “fundamental transformation” in a conversation with PYMNTS’ Karen Webster. I mean, throughout the Latin American region that has happened, but it has been massive in Brazil. Brazil at the beginning of last year was a different Brazil, for sure,” he said. “We

Lending 220

Lending Data Marketing Regional 220

South State Correspondent

MARCH 5, 2022

With short-term interest rates rising and long-term rates still at historically low levels, all bankers should understand how swap spreads may provide a competitive lending advantage. In this current market, swap spreads are negative, and banks that can utilize swap spreads in pricing loans gain a substantial pricing advantage.

Community Bank 195

Community Bank Lending Community Regional 195

PYMNTS

FEBRUARY 17, 2020

The expansion of BankFinancial Equipment Finance brings its leasing capabilities to governmental, middle-market and small businesses, BankFinancial announced on Friday (Feb. BankFinancial Equipment Finance will also continue its corporate leasing, lending, deposit and treasury management services to independent equipment lessors nationwide.

Illinois 131

Illinois Lending National Conference 131

PYMNTS

OCTOBER 14, 2016

Not one of the four alternative lending startups that secured investments this week were from the U.S. Alternative Lending. Late last week, South Africa’s LulaLend brought some rare attention to the nation’s alternative lending space. There’s no doubt about it: Alternative lending had a stellar week.

Lending 100

Lending US Capital Report 100

PYMNTS

JULY 1, 2016

Soon after Lending Club revealed its ex-CEO may have artificially inflated the company’s lending volumes, the U.S. Treasury Department released its report on the sector and concluded that the market would likely benefit from greater oversight from regulators. Alternative Lending. Lendingkart.

Lending 101

Lending Analytics Capital Industry 101

PYMNTS

MARCH 12, 2019

Federal Reserve Governor Lael Brainard said on Tuesday (March 12) that a more flexible look at banks through the lens of the Community Reinvestment Act (CRA) could potentially make capital available for regions outside the usual areas financial institutions cater to.

US 108

US Community Regional Lending 108

PYMNTS

SEPTEMBER 24, 2020

Shah emphasized that it's not necessarily valuable to make such predictions, however, because the SMB lending ecosystem is quite regional: FIs in one area servicing many agriculture SMBs may accelerate their small business lending activity, while FIs in another, more metropolitan region may step back.

Community 193

Community Community Bank Regional Lending 193

South State Correspondent

JANUARY 4, 2023

While the current growth rate needs to be left to each bank based on their capital cost, market, and risk tolerance, the general guide is that growth should be in the 3% to 5% range for this year. When offering a higher money market or CD rate, the direct damage done to cost of funds is often the least of a bank’s worries.

Community Bank 195

Community Bank Capital Training Lending 195

PYMNTS

AUGUST 16, 2019

Axos Bank parent company Axos Financial has rolled out out commercial banking operations across new markets in the U.S., “The nation’s two largest metropolitan areas are home to a majority of our commercial lending and banking clients,” said Greg Garrabrants, president and CEO of Axos, in a statement.

Los Angeles 101

Los Angeles New York FDIC Lending 101

South State Correspondent

SEPTEMBER 20, 2023

For starters, a customer may carry large balances but not generate franchise value if those balances are all in high-paying money market accounts or are highly volatile. Finding this intersection is the key to the efficient use of sales and marketing resources. We ranked the Top 20 Deposit-Rich Industries ( HERE ).

Management 195

Management Survey Industry Community Bank 195

South State Correspondent

APRIL 10, 2023

Fair value accounting measures assets and liabilities at current market value instead of historical or amortized value. Nonetheless, with the recent collapse of sizeable regional banks, regulators, investors, analysts, accountants, and bankers are now scrutinizing the fair value of banks’ securities and loan portfolios.

Community Bank 195

Community Bank Community Security Capital 195

PYMNTS

JUNE 18, 2018

Biz2Credit’s latest Small Business Lending Index found that loan approval rates at alternative lenders stagnated – and at credit unions, they actually fell. Thirty-four years have passed since SMB optimism was this high , according to the National Federation of Independent Business (NFIB). But the story doesn’t end there.

Lending 112

Lending Community Bank Regional Community 112

PYMNTS

MARCH 29, 2018

In a press release , TSB said small business banking is controlled by the big banks, which dominate more than 90 percent of the market. TSB said it is entering the market to create more competition for the big banks that have been dominating small business lending for “far too long.” regions. regions.

Lending 109

Lending Regional National Marketing 109

PYMNTS

MARCH 10, 2020

In markets like Southeast Asia, high rates of credit-invisible, underbanked small businesses make filling the small business credit gap an even more difficult challenge. Traditional banks will require credit histories and collateral to underwrite a small business loan, both of which many SMBs in Southeast Asian nations lack.

Data 193

Data Lending Capital social media 193

South State Correspondent

FEBRUARY 20, 2022

Unfortunately, current market dynamics are making it hard for community banks to outcompete for these better borrowing relationships. Third, the longer-term fixed rates give banks the ability to transition from transaction lending to relationship banking. Most national and regional banks are already offering such solutions.

Community Bank 195

Community Bank Community Marketing Regional 195

PYMNTS

NOVEMBER 8, 2019

Moo will replace Torsten Linke, who was appointed the head of global India and developed markets. Linke’s new role will include both onshore and offshore Indian markets, Japan and the Asia business managed out of Switzerland. He previously held roles including head of Asia Pacific alternative capital markets in Hong Kong. “We

Survey 100

Survey Management Regional US 100

Jeff For Banks

NOVEMBER 24, 2019

The bank, First National Bank of Keystone, was $1.1 Another depressed town due to the general economic malaise that bedraggled the region when the steelmaking industry moved elsewhere. The government guarantee allowed for a secondary market in these loans. And so went the birth of First National Bank of Keystone's meteoric rise.

National 78

National West Virginia Virginia Pennsylvania 78

PYMNTS

FEBRUARY 13, 2020

Another $5 trillion comes from merchant settlement, marketplace payouts and alternative lending. McInerney also pointed to government to consumer (G2C), which is a “more nascent” market, with presence in government benefits and tax refunds. Peer-to-peer (P2P), he said, is about $20 trillion, and encompasses remittances. In the U.S.

Payments 163

Payments Regional America Cards 163

PYMNTS

OCTOBER 4, 2019

As digital identities fast become a part of everyday life, the identity verification market is expected to reach $12.8 Technology providers are exploring a range of solutions to seamlessly verify customers’ identities, with the biometrics market projected to reach more than $59 billion by 2025. billion by 2024. About The Tracker.

Online 144

Online Ohio Knowledge Base Regional 144

CFPB Monitor

APRIL 29, 2015

The CFPB has issued a fair lending report covering its fair lending activities during 2014. The report states that in 2014, CFPB fair lending supervisory and public enforcement actions required institutions to provide approximately $224 million in remediation.

Lending 60

Lending Report Policies Compliance 60

South State Correspondent

MARCH 6, 2023

We pointed out that DSCR and LTV are driven by cash flow (NOI) and that the relationship between cap rates, interest rates, DSCR, and LTV conspires to make real estate lending especially dangerous. Many national and regional banks incorporate a minimum debt yield ratio as an underwriting criterion.

Community Bank 195

Community Bank Community Lending Regional 195

PYMNTS

JANUARY 8, 2019

In addition, Pakistan’s Telenor Microfinance Bank unveiled a cross-border remittance service based on Alipay’s blockchain technology, Indonesia’s KinerjaPay notched an investment of $200 million from a construction firm in the region and mobile payments are on the rise in China.

Regional 128

Regional blockchain Mobile United States 128

PYMNTS

DECEMBER 9, 2020

Clearly there's regional saturation, which leads to consolidation.”. These are $100 billion market cap companies that are sitting in the middle of the payments supply chain.”. That suddenly opened up the market for FinTechs to offer targeted slivers of traditional banks’ financial services, like loan underwriting or debit accounts.

Innovation 306

Innovation Fintech Payments Regulation 306

American Banker

OCTOBER 18, 2016

Regions Financial in Birmingham, Ala., reported a higher third-quarter profit, citing improved fee income from mortgage lending, capital markets and credit and debit cards. It also benefited from some special items and energy-market improvements.

Regional 28

Regional Lending Capital Cards 28

PYMNTS

JULY 16, 2019

Regional banking firm KeyCorp disclosed a massive instance of fraud on Tuesday (July 16) that could potentially cost $90 million, according to a report by CNBC. percent and the company lost about $178 million from its market cap, dragging it to $17.56 Shares fell on the news. The event occurred in the beginning of Q3. “Key

Fraud 142

Fraud Cleveland Indiana Community 142

PYMNTS

JANUARY 9, 2018

With big banks pulling back from small and medium-sized business (SMB) lending in the wake of the global financial crisis, the market was ripe for someone else to fill the credit gap. Community banks approved 49 percent of SMB loan applications in November, according to the latest data from the Biz2Credit Small Business Lending Index.

Community Bank 131

Community Bank Community Fintech Lending 131

Gonzobanker

FEBRUARY 8, 2022

At the same time, Michaud shared compelling data concerning just how big players like PayPal and Square have become relative to the market caps of traditional banks. An arms race in marketing and digital cannot be ignored. The grassroots of community and regional banking will no longer be vanilla operations geographically focused.

Fintech 167

Fintech Customer Experience Conference Technology 167

South State Correspondent

AUGUST 21, 2022

We compared and contrasted the two strategies and sized the market for community banks. Meet Competitive Pressures: National and larger regional banks are specifically targeting better borrowers for seven, ten, or 20-year fixed-rate loans. We also shared a table that summarized the two strategies.

How To 195

How To Community Bank Community FDIC 195

PYMNTS

NOVEMBER 17, 2019

The new group will provide a full suite of lending and banking products for growing technology companies at every development stage, including asset-based solutions, recurring revenue-based revolving lines of credit, treasury management, foreign exchange and more. Roberts has nearly 20 years of banking experience.

Groups 116

Groups Innovation Capital Leadership 116

PYMNTS

JUNE 7, 2016

With an eye on what could be called a true greenfield opportunity, alternative lending platform Biz2Credit is launching its small business lending products in India.

Online 100

Online Lending Course Risk Management 100

South State Correspondent

JANUARY 22, 2023

We believe any prepayment provision is better than none, but we acknowledge that banks are challenged in the market to obtain borrower acceptance of some of these provisions. We also discussed the four standard prepayment provisions for commercial loans (step-down, lock-out, defeasance, and symmetrical breakeven provision).

Community Bank 195

Community Bank Community Capital Maine 195

Abrigo

JANUARY 22, 2015

According to a recent survey from four Federal Reserve Banks, small regional and community banks have the highest approval rate for small business loans. Small regional and community banks had a much higher approval rate (90 percent) for those firms classified as “Growers.”

Community Bank 150

Community Bank Community Regional Cleveland 150

PYMNTS

AUGUST 1, 2018

Small businesses are essential job generators, and the major driver of economic growth and vibrancy for all regions of the country.”. The report also asked Congress to amend the National Bank Act to authorize the Office of the Comptroller of the Currency (OCC) to issue a federal charter for non-bank financial companies.

Policies 100

Policies Report Regulation Maine 100

PYMNTS

JUNE 9, 2020

In the battle against digital challenger banks, credit unions (CUs) may be facing a bit of a perception/reality gap — and losing market share as a result. He pointed out that while CUs have traditionally been regionally focused, firms like SoFi and Robinhood have spent significant time and money on marketing.

Digital Banking 133

Digital Banking Millennials Lending Marketing 133