South State Correspondent

NOVEMBER 29, 2023

One of the lessons that was driven home at the recent American Banker Small Business Banking Conference in Nashville was the difference in marketing between large national banks and community banks, particularly deposit marketing. There is a reason for this. Bank engagement is a habit.

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Marketing Regional National Nashville 195

South State Correspondent

MARCH 5, 2024

When we analyze the same size/ROA relationship using banks’ efficiency ratios, it is not surprising that community banks (under $10B in asset size) have, on average, a 5% higher efficiency ratio than regional banks ($10B to $50B in asset size) as shown in the graph below. Larger loans have lower credit risk, all else equal.

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South State Correspondent

MARCH 5, 2024

When we analyze the same size/ROA relationship using banks’ efficiency ratios, it is not surprising that community banks (under $10B in asset size) have, on average, a 5% higher efficiency ratio than regional banks ($10B to $50B in asset size) as shown in the graph below. Larger loans have lower credit risk, all else equal.

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Community Bank Community National Lending 195

Abrigo

DECEMBER 18, 2023

Critical capital Should CRE lending be off the table? Recent headlines may lead bankers to believe that shunning commercial real estate lending is the safest path to limit or avoid credit risk, given stresses on CRE and regulatory concerns. Certainly, one asset class, the regional mall, is quite dead,” Kirby said.

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Risk Management Management Lending Capital 221

ABA Community Banking

APRIL 1, 2018

First Financial’s Oak Street sub lends to insurance, other verticals Management Lines of Business Community Banking.

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Lending Regional National Community Bank 40

Abrigo

JUNE 2, 2015

Overall auto lending at credit unions is up more than 30 percent in recent years, a positive sign that CUs remain competitive in an evolving banking landscape. Utilizing the Sageworks Bank Information platform, Sageworks recently examined how steadily auto lending at credit unions – specifically for new vehicles – grew in 2014.

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PYMNTS

NOVEMBER 27, 2017

3 billion | Amount that Amazon Lending has lent to SMBs since the program’s launch in 2011, with borrowers primarily from the U.S., 60 percent | Portion of Singapore’s national spend done through payment cards. Here are the numbers: $7.9 billion | Estimated consumer spending between Thanksgiving and Black Friday sales.

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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.

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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 fact, the longer the term, the more negative the swap spread – an unusual situation that may create a funding or a lending advantage for some banks.

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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

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PYMNTS

APRIL 26, 2020

Every bank is under the cosh of its national regulators, who in times of crisis show a huge home bias,” said Jan Pieter Krahnen, director of the Center for Financial Studies at the University of Frankfurt, according to FT. This heavily influences risk management and regional exposure, which comes at the expense of clients abroad.”.

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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.

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PYMNTS

MAY 17, 2018

Regional lender in Japan, Suruga Bank , apologized this week and admitted that staff may have knowingly processed loan documents that were falsified for a struggling property investment scheme, adding to the list of corporate scandals plaguing the country, reports in Bloomberg said. Meanwhile, Prime Minister Shinz?

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PYMNTS

JULY 1, 2016

Soon after Lending Club revealed its ex-CEO may have artificially inflated the company’s lending volumes, the U.S. Alternative Lending. India’s alternative lending industry scored yet another win this week with a nearly $25 million investment from Morgan Stanley Private Equity Asia. Lendingkart.

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PYMNTS

FEBRUARY 17, 2020

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

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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.

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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.

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PYMNTS

DECEMBER 17, 2018

The Federal Reserve began raising interest rates about three years ago from almost zero, and after the financial crisis, many small and regional banks ramped up their lending with long-term and low-rate loans. The Southern National Bancorp of Virginia is now shelling out 2.25

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Virginia Lending New York National 144

American Banker

OCTOBER 6, 2016

The $141 billion-asset company said in a press release Wednesday that it had appointed four managing directors to oversee designated regions for the lending group.

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Regional Lending Groups Management 38

Abrigo

DECEMBER 1, 2020

Takeaway 1 For solid ag lending returns, focus on assessing credit risk in current portfolios and effective pricing. . Takeaway 2 Sentiment rose in 3Q, but the highly uncertain outlook warrants caution in ag lending activities. A tricky year for farmers, ag lending. You might also like this webinar watch. Pandemic Impact.

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Lending Survey Operations Payments 195

PYMNTS

FEBRUARY 18, 2019

China’s Operation Fox Hunt has led to the arrest of 62 Chinese nationals abroad and the seizure of 10 billion yuan ($1.5 billion) in assets from 380 fraudulent peer-to-peer (P2P) lending platforms, according to a Reuters report. The charges stem from illegally using P2P platforms to gather funds. trillion yuan ($217.96

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American Banker

JUNE 30, 2016

The $126 billion-asset holding company for Regions Bank said Jeremy King, who had been support manager for private wealth, is now executive vice president of wealth management strategy and effectiveness for Regions Wealth Management.

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Regional Management Strategy Company 51

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. And so went the birth of First National Bank of Keystone's meteoric rise. Nationwide lending! Clearly, blue-suit regulators stood out.

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National West Virginia Virginia Pennsylvania 78

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.

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Lending Report Policies Compliance 60

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.

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Lending Community Bank Regional Community 112

PYMNTS

AUGUST 16, 2019

15) that it will launch regional commercial banking operations in New York and Los Angeles in an effort to grow its corporate client base and connect existing business customers in the markets with its senior banking professionals. The bank announced Thursday (Aug.

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Los Angeles New York FDIC Lending 101

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.

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Regional blockchain Mobile United States 128

PYMNTS

MARCH 29, 2018

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.” It has already partnered with Enterprise Nation to enhance the digital capability of small businesses across the U.K. , regions. regions.

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Lending Regional National Marketing 109

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.

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Community Bank Community Lending Regional 195

PYMNTS

MARCH 14, 2016

As a region, Asia has seen $4.5 That means the region is becoming a sweet spot for FinTech investment. But, in Asia, the funding rounds that stretched across India, China and other nations — lured by the buying power of billions of consumers tied to their mobile devices — grabbed a relatively higher pace of fund flows.

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PYMNTS

MARCH 10, 2020

Traditional banks will require credit histories and collateral to underwrite a small business loan, both of which many SMBs in Southeast Asian nations lack. In Southeast Asian markets, banks’ lack of adequate data on SMB loan applicants is perhaps the tallest barrier to connecting SMBs to capital in the region.

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Data Lending Capital social media 193

American Banker

JULY 19, 2016

Surging revenue from consumer lending, including auto loans and mortgages, offset credit problems from the energy sector in the second-quarter results of Regions Financial in Birmingham, Ala.

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Regional Lending National 28

American Banker

OCTOBER 11, 2016

Regions Financial in Birmingham, Ala., has introduced an online consumer lending product that it uses technology developed by Avant.

Regional 28

Regional Online Lending Technology 28

South State Correspondent

SEPTEMBER 20, 2023

For example, if you are a bank in California, Florida, New York, or Pennsylvania, going after private schools, colleges, or insurance companies should be considered due to not only the large number of target institutions but also the size of those institutions, which lends itself to having multiple banks.

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Management Survey Industry Community Bank 195

PYMNTS

JUNE 4, 2018

has lagged behind other regions (notably Europe, and, for example, the U.K.) In news separate from the sandbox announcement, yet germane to the financial industry in general, loan terms are sweetening, with some regulators starting to worry about looser lending standards, leading to annual lending growth of 3 percent.

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Fintech Lending Regulation Examples 119

PYMNTS

MAY 6, 2020

The latest in PYMNTS’ ongoing series of pandemic surveys and reports, Main Street on Lockdown: Reinventing the Road to Recovery , notes that the majority of SMBs that applied for PPP loans did so at larger national and regional banks, perhaps under the impression that larger financial institutions (FIs) have a better understanding of the program.

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Regional National Maine Survey 138

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