Abrigo

MAY 2, 2024

Boost your small business lending efforts from the bottom up Small businesses play a crucial role in our economy, and one of the critical factors in their success is access to funding. You might also like this guide for smarter, faster small business lending.

Lending 221

Lending Strategy Analysis Policies 221

South State Correspondent

MARCH 28, 2023

In a recent article ( here ), we discussed why banks that take risks to earn higher revenue demonstrate lower performance as measured by ROA. Empirical evidence, historical bank failures, and common sense teach us that many risks do not translate to higher yields. However, success does not occur by happenchance.

Community Bank 195

Community Bank Community Management Marketing 195

South State Correspondent

SEPTEMBER 18, 2023

The banking industry’s average efficiency ratio worsened for the first time since 2021. This development is very important to community banks, as their efficiency ratio also increased, but to 61.63%. The national banks have already indicated how they plan to reverse the efficiency ratio increase – through headcount reduction.

Management 195

Management How To Community Bank Community 195

South State Correspondent

JANUARY 10, 2024

Community banks’ use of swaps (banks’ primary tool to hedge interest rate risk on loans) has increased substantially over the last ten years. Meanwhile, community banks face net interest margin (NIM) and fee income pressure. commercial and savings banks in the country, with $25.96T in assets and $11.87T in loans.

Community Bank 195

Community Bank Community National Regional 195

PYMNTS

JUNE 29, 2020

“With Mastercard’s leading advisory experience, sophisticated commercial solutions and wide network of customers and partners, we will be able to help EedenBull thrive in this market of significant opportunities,” said Yunsok Chang , a Mastercard executive vice president, in a statement.

Fintech 248

Fintech Cards Regional Management 248

South State Correspondent

NOVEMBER 2, 2022

This has caused more of a yield curve inversion and is a prime opportunity for community banks to use a loan hedging program to offer fixed-rate loans for 20 years. There are a few essential takeaways from the graph above for bankers looking to retain existing borrowers and generate new business. The Yield Curve Inversion.

Lending 195

Lending Community Bank Community Meeting 195

South State Correspondent

FEBRUARY 27, 2024

However, we need to understand the meaning of pricing discipline and its effect on community bank performance. In this article, we would like to define loan pricing discipline and cover bid, why it matters, and demonstrate how most community banks currently are not using loan pricing discipline.

How To 195

How To Community Bank Community Management 195

South State Correspondent

APRIL 9, 2024

We estimate that the average contractual loan commitment for term credit at community banks has decreased from just under five years in 2022 to just under three years currently. Community banks should carefully consider the prudence of such a strategy from both a risk and revenue perspective. cuts through the end of the year.

How To 195

How To Community Community Bank Marketing 195

South State Correspondent

FEBRUARY 20, 2022

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). Why Banks Should Take Notice.

Community Bank 195

Community Bank Community Marketing Regional 195

South State Correspondent

DECEMBER 5, 2023

Commercial bankers are trusted advisors and have a unique opportunity to understand their client’s specific financial and personal situations, explain the basic concepts of capital markets, and offer prudent and objective advice to help customers reach their goals. It shows the average commercial loan rates for different terms.

Lending 195

Lending Marketing Capital Community Bank 195

South State Correspondent

AUGUST 21, 2022

Last week we wrote about loan-level vs. balance sheet hedging for community banks and provided our loan proposal generator ( HERE ). We compared and contrasted the two strategies and sized the market for community banks. We also shared a table that summarized the two strategies.

How To 195

How To Community Bank Community FDIC 195

South State Correspondent

OCTOBER 19, 2023

If you want to know if your bank has an alignment problem, ask ten co-workers, ”What is your bank’s brand value proposition? If 80% or more say close to the same thing – that is fantastic, and you are likely in the top 1% of bank performance. The Company had to figure out what it was selling to turn things around.

Branding 195

Branding Marketing Company America 195

Jeff For Banks

APRIL 4, 2024

This was the question posed to Bank Profitability students as part of the Oregon Bankers' Association's Executive Development Program (EDP). These were up-and-coming bankers, the future leaders of our industry, identifying industry trends that will have the greatest impact on their bank, in no particular order. High lifetime value.

Banking Trends 115

Banking Trends Trends Millennials Oregon 115

South State Correspondent

JANUARY 10, 2024

Ask a banker about the value of their bank, and they will either talk about some derivation of book value or earnings multiple. You might find out that your low cost of funds or higher-than-average net interest margin likely drives the bulk of your bank’s value, but then what do you do? Do you reduce your cost of funds?

Management 195

Management Examples Marketing Millennials 195

PYMNTS

JANUARY 31, 2021

TD Bank is unifying its teams for commercial, corporate and specialty banking to forge TD Commercial Bank, a new entity, according to a press release. This will help in offering new levels of growth, a better client and colleague experience, and more streamlined procedures, the release stated.

Lending 181

Lending Survey Community Marketing 181

South State Correspondent

NOVEMBER 14, 2022

In this article, we consider if borrowers should refinance at this point in the business cycle, and if so, what are some of the better options for borrowers and lenders. Lenders must recognize that banks are in the business of keeping loans and not making loans. The current yield curve is inverted.

Analysis 195

Analysis Guidelines Marketing Community Bank 195

South State Correspondent

OCTOBER 26, 2023

In this article, we detail our thoughts and the trends we saw last week in Las Vegas from a banking perspective in hopes of giving you the flavor and insight from the conference without you having to walk 10 miles per day and listen to endless vendor pitches. It’s a whirlwind of education, deal-making, eating, and hugging.

Conference 221

Conference Las Vegas Fraud Case Study 221

Abrigo

MAY 19, 2023

Loan reviewer training and development What might a loan review curriculum look like and how can your financial institution develop good loan reviewers? WATCH Takeaway 1 Loan review departments often lack funds for training and education, but a shortage of experienced loan reviewers is a challenge for many banks.

Training 195

Training Lending Risk Management Guidelines 195

South State Correspondent

JUNE 13, 2023

On our loan hedging desk, we work with hundreds of banks ranging in size from just over $100mm in assets to some national banks with over $1T in assets. Loan portfolio pipelines (below) are at about 35% from what they were in 4Q of 2022. This means that banks must be choosy on credit and how loans are structured.

Marketing 195

Marketing Examples Capital Management 195

South State Correspondent

DECEMBER 11, 2022

We see many community bank borrowers desperately seeking a trusted advisor to help guide them through this volatile cycle. The graph below shows the lending curve from three months to 20 years and demonstrates the average commercial loan rates for different repricing terms. The Shape of the Yield Curve.

How To 195

How To Community Community Bank Examples 195

South State Correspondent

FEBRUARY 27, 2022

In our article last week ( HERE ), we discussed how the yield curve is currently flat between the three and 20-year points. Banks that cannot offer competitively priced term loans out to 20 years may be at a significant disadvantage when competing or retaining top-quality customers. Current Risk in Term Lending.

Lending 195

Lending Community Bank Community Meeting 195

South State Correspondent

JULY 10, 2023

One possible solution to this dichotomy is for banks to offer interest rate swaps to hedge individual loans. This article will review domestic banks’ adoption of interest rate swaps. Next week’s article will consider the challenges and possible solutions for community banks to adopt loan hedging programs.

Community Bank 195

Community Bank Community Tools Management 195

Independent Banker

APRIL 30, 2022

Ashley Horner (right), senior vice president and SBA loan administrator, shown with portfolio manager Melanie Elmore, says Summit Bank is on track to make $30 million in SBA loans this year. Loan providers share an infectious enthusiasm and growing optimism for one vertical’s prospects in 2022: commercial lending. By Beth Mattson-Teig.

Lending 158

Lending Community St. Louis Community Bank 158

South State Correspondent

NOVEMBER 14, 2022

In this article, we consider if borrowers should refinance at this point in the business cycle, and if so, what are some of the better options for borrowers and lenders. Lenders must recognize that banks are in the business of keeping loans and not making loans. Bankers As Trusted Advisors.

Analysis 195

Analysis Guidelines Marketing Community Bank 195

Abrigo

OCTOBER 10, 2023

How industry analysis can improve your credit risk management Understanding your customers' businesses leads to better loan pricing, structure, and risk management. WATCH WEBINARS Takeaway 1 All businesses perform industry analysis, but financial institutions in particular must know their customers' competitive landscape.

Analysis 195

Analysis Industry Risk Management Lending 195

South State Correspondent

JUNE 5, 2023

Community bank cost of funds is jumping up. As shown in the graph below, the net interest margin (NIM) for community banks declined 22bps in Q1’23. The question is – what will happen to community bank’s cost of funds from here? The beta for all banks and various sizes over the entire cycle is listed below.

Community Bank 195

Community Bank Community Industry Strategy 195

PYMNTS

NOVEMBER 9, 2020

With the global pandemic creating a market of volatility, corporate spend is down as businesses look to safeguard their bottom lines against macroeconomic headwinds. Former American Airlines CEO Robert Crandall told The Wall Street Journal that business travel volumes will never recover.

Innovation 255

Innovation Fintech Payments Mobile 255

South State Correspondent

OCTOBER 23, 2023

Good commercial lenders use commitment letters and proposal letters to their advantage. When properly structured and applied, a proposal or commitment letter will get the lender a better-structured loan at better pricing for the bank and with less competition. A commitment letter evidences the lender’s commitment to lend.

Strategy 195

Strategy Lending Examples Marketing 195

South State Correspondent

OCTOBER 4, 2022

In this article, we would like to share best practices of how lenders advise borrowers on planning for the future path of interest rates and how borrowers should structure their balance sheets to better manage future cash flows. As community bankers, we are foremost trusted advisors to our customers. Bankers As Trusted Professionals.

How To 195

How To Marketing Examples Community 195

Gonzobanker

MARCH 14, 2024

Dear bank and credit union software vendors, Mea culpa. I offer up this feedback with good intentions so we can all improve how we demonstrate our products to prospects and customers. Do your homework— My number one piece of advice is to spend time researching the prospective bank or credit union.

Software 97

Software Fraud Leadership System 97

Abrigo

FEBRUARY 23, 2023

Relationship focus helps CFIs Small banks can leapfrog competitors and better serve their communities by combining their unique advantages with smart management and partnerships. Takeaway 2 Small banks can better serve customers when they free up staff to focus on fostering relationships.

Community Bank 195

Community Bank Kansas City Community Lending 195

South State Correspondent

MAY 30, 2023

This is the time for bankers to offer loan structuring solutions to help customers solve business problems, mitigate risk, and manage balance sheets and cash flows. We expect this phenomenon to remain over the next few months as the Fed is unlikely to decrease short-term rates in the near future.

Examples 195

Examples Course Community Management 195

Gonzobanker

NOVEMBER 30, 2023

Deposit retention and growth is strategic priority #1 in the banking industry today. Finding growth has been a rough slog for banks and credit unions throughout 2023. Since the peak in the second quarter of 2022, deposits in the banking industry decreased $774 billion as of Q3.

Strategy 158

Strategy Industry Lending Marketing 158

PYMNTS

DECEMBER 4, 2020

Banking as a Service (BaaS) is poised to change the end user experience of corporates as they navigate the daily challenges of cash flow management, supply chain activity and the need to become digital-first. The banks signing on to the new offering include marquee names such as Goldman Sachs, Barclays and Citigroup.

Lending 224

Lending Meeting User Experience Innovation 224

Abrigo

JANUARY 24, 2024

Account for the details before your FDIC bank acquisition Consider these tips for assessing your institution and a to-be-acquired institution for a smooth integration You might also like this webinar, "Valuation and purchase accounting: Navigating the changing M&A landscape." Should we panic?

FDIC 195

FDIC Regulation Strategy Data 195

PYMNTS

OCTOBER 8, 2019

According to Kantox, the company will provide its FX management and business payment solutions to Citi Commercial Bank’s international businesses based in the U.S., The software will also bridge businesses to automated treasury tools as well as local and cross-border payment services for both businesses and banks.

Software 186

Software Management Trends Tools 186

BankBazaar

MARCH 28, 2023

R epo rate, w e think we know all about it , but not enough. We know a lot about the Reserve Bank of India (RBI). Yes, the big brother of all, the money-minter, the ‘Don Corleone’ of banking institutions in the country, or whatever hype definition that hits you first time. We bet you already knew that.

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Policies Security Meeting Strategy 145