Abrigo

APRIL 22, 2024

Recent dynamics of the small business lending market A deep understanding of the small business lending landscape and potential efficiencies can help banks and credit unions grow their portfolios. You might also like this guide for smarter, faster small business lending.

Lending 243

Lending St. Louis Community Marketing 243

Independent Banker

AUGUST 31, 2021

of digital banking customers said they switched to digital banking because of the pandemic. Source: 2021 Provident Bank survey. These days, there’s a lot to contend with as a community bank, from changing consumer behaviors due to the pandemic to uncertainty surrounding the economy and inflation. Quick stat.

Community Bank 170

Community Bank Community Lending Leadership 170

South State Correspondent

APRIL 18, 2022

Historically, community banks have relied on net interest margin (NIM) instead of fee income to drive return on equity (ROE). In contrast, larger banks have emphasized non-interest income rather than NIM to boost ROE and revenue. Larger banks have historically operated on thinner NIM but higher fee income. Conclusion.

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Lending Community Bank Community Comparison 195

Abrigo

MARCH 3, 2022

In today’s banking world, community banks are focused sharply on shareholders’ expectations for growth in earnings and return on equity. So, how can community banks support earnings and ROE growth in the face of intense regulatory scrutiny and competitive pressures on profitability? Changing Lending Environment.

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Lending Community Marketing Community Bank 195

Independent Banker

JANUARY 31, 2022

Ken Finley, president of Johnson City Bank, in downtown Johnson City with Shannon Sultemeier, executive vice president (left); and Brenda Haynes, vice president/cashier (right). Here’s how four community banks are thriving in this environment. These include family-owned businesses, community businesses and operating companies.

Texas 182

Texas San Antonio Community Bank Community 182

South State Correspondent

APRIL 24, 2022

Banks have ceased using LIBOR to price assets and liabilities after 2021. However, some community banks are still deciding on the correct term lending index to adopt. Many banks are uncertain that they have chosen the best term index for their products and markets. Robustness/Volume. Representative.

Lending 195

Lending Community Bank Community Marketing 195

Independent Banker

JANUARY 31, 2022

With consumer expectations seeming to evolve faster every year, community banks could consider partnering with a fintech to keep up with technological innovation. Those conversations, he says, centered around whether community banks could compete against this brash group of newcomers. Photo by Pogonici/iStock. Quick Stat.

Community Bank 159

Community Bank Community Fintech Risk Management 159

Abrigo

FEBRUARY 25, 2022

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. . Takeaway 1 Many banks and credit unions want to win more business loans but will face higher rates and more competitors.

Lending 195

Lending St. Louis Community Survey 195

Abrigo

AUGUST 25, 2021

Takeaway 2 A consumer loan origination system can help FIs offer a fully digital retail lending experience. How can FIs overcome retail lending challenges? In today's competitive – and increasingly digital – consumer lending environment, financial institutions will need to find ways to adapt to changing customer expectations.

Lending 195

Lending System Community Retail 195

Independent Banker

APRIL 30, 2022

Loan providers share an infectious enthusiasm and growing optimism for one vertical’s prospects in 2022: commercial lending. Here’s how community bankers can take advantage of various sectors—including SBA lending—over the next 12 months. First Business Bank in Madison, Wis., billion asset community bank.

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Lending Community St. Louis Community Bank 158

South State Correspondent

FEBRUARY 28, 2023

Many community banks today are willing to underwrite real estate secured loans on just two metrics: debt-service-coverage ratio (DSCR) and loan-to-appraised value (LTV). Banks typically approve credits above 1.20x DSCR and below 75% LTV – with many loan-specific factors that may skew these acceptable levels.

Lending 195

Lending Community Bank Community National 195

Abrigo

MAY 22, 2024

Recent stats and dynamics of the small business lending market Understanding the small business lending landscape and potential efficiencies can help banks and credit unions grow their portfolios. You might also like this guide for smarter, faster small business lending.

Lending 195

Lending St. Louis Community Marketing 195

Independent Banker

DECEMBER 31, 2021

If 2020 was the year no one expected, 2021 was a year of resetting expectations. Between a smoldering pandemic, the divisive political landscape and strong, albeit uneven, growth, there was a lot to account for in 2021, and some uncertainty remains. Janet Silveria, Community Bank of Santa Maria. Click to enlarge.

Community Bank 144

Community Bank Community Lending Louisiana 144

Independent Banker

JUNE 30, 2022

But there are ways community banks can help mortgage-seekers get on the property ladder. in early May­—up nearly 250 basis points from lows around 3% seen in 2021. Burmis, senior vice president and retail lending manager at $450 million-asset Chelsea State Bank in Chelsea, Mich. So how can community banks help?

Community Bank 143

Community Bank Community Millennials Resources 143

Independent Banker

JANUARY 31, 2022

These community banks are working to fix that through microlending programs. One of the harsh realities revealed by the flood of Paycheck Protection Program (PPP) money distributed in 2020 and 2021 is that many businesses and entrepreneurs in need of small-balance loans fell through the cracks. and WSFS Bank in Wilmington, Del.

Lending 150

Lending Community Community Bank Compliance 150

Independent Banker

MAY 31, 2022

Community banks have a choice about addressing the problem: Remain vulnerable or be vigilant. Fraud and cybercrimes continue to increase, causing challenges for community banks. But there’s plenty community banks can do to meet this challenge. Here are some ideas for strengthening fraud defenses.

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Community Bank Community Fraud Texas 134

South State Correspondent

MARCH 14, 2022

Community banks have solid competitive advantages when competing against insurance companies (primarily life insurance companies or “Lifecos”) and commercial real estate securitization conduit lenders (CMBS) for commercial borrowers. Both channels present formidable competition for banks. Solution Parameter. Differentiation.

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Company Community Bank Community Lending 195

Independent Banker

MAY 31, 2022

Josh Prejean (right) of Bank of Zachary, here with mortgage client David Rozas, says community banks must compete through customer service. Nonbank institutions continue to be serious contenders in the home lending space. The amount of annual mortgage origination surpassed this figure in both 2020 and 2021.

Community Bank 185

Community Bank Community Lending Marketing 185

PYMNTS

DECEMBER 8, 2020

In today’s top news, economists expect the economy to recover back to pre-pandemic levels by the end of 2021, and China’s banking watchdog warns of further Big Tech regulations. Plus, online lending startup SoFi is looking to go public through a SPAC. Economists: Stimulus, Vaccine Key To Full Recovery By Year-End 2021.

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San Francisco Community Bank Video Capital 130

Abrigo

DECEMBER 2, 2021

But impulse buying – whether at home or in business – can result in waste, so think carefully about areas of your bank or credit union that could benefit next year from a small investment as 2021 draws to a close. Indeed, deposit levels to transaction accounts among community banks exploded 74% to $896.5 Consumer Lending.

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Conference San Antonio Lending Fraud 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 graph below shows the efficiency ratio for community and non-community banks (over $10B in assets).

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Management How To Community Bank Community 195

South State Correspondent

APRIL 12, 2022

Recently, JP Morgan Chase released its 64-page 2021 shareholder letter and 340-page annual report. As usual, it was full of insight that every community banker should consider. Our focus is on information that pertains to the community banking industry. The bank holds the #1 market share for multifamily lending.

Community 195

Community Community Bank Leadership Lending 195

Jack Henry

DECEMBER 9, 2021

Investments in financial technology have been increasing for years, but the events of the last 18 months have created a new sense of urgency for community banks and credit unions to fine-tune their digital strategies across the spectrum of various fintech investments.

Strategy 148

Strategy Digital Strategies FDIC Community Bank 148

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

Gonzobanker

FEBRUARY 8, 2023

billion in Q4 2022, down 79% from Q4 2021. The total number of deals funded dropped from 423 in Q4 2021 to 342 in Q4 2022, representing a 73% decline in the average funding amount per raise from $43 million down to $11.4 Community Banks as Venture Capitalists In fact, not all providers of venture capital are venture capitalists.

Community Bank 98

Community Bank Community Fintech Leadership 98

Independent Banker

JUNE 30, 2022

The Peoples Bank helped the Jones family of Legacy Dairy in Hiseville, Ky., From left, Ally Jones; bank chairman, president and CEO Terry L. Last year, community bank loan producers were faced with both record-low interest rates and a glut of deposits. Ag lending in the South: Relationships matter. By Ed Avis.

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Community Bank Community National Philadelphia 172

Independent Banker

JANUARY 31, 2022

Southern Bancorp partners with other community banks to increase loan accessibility and financial literacy to low-income customers. As CEO of Southern Bancorp, Darrin Williams wants to promote relationships between community banks and CDFIs to create more prosperous communities. Photo by Dero Sanford.

Community Bank 172

Community Bank Community Leadership Arkansas 172

Abrigo

SEPTEMBER 15, 2022

Bank monitoring in construction lending. The paper, “ Bank Monitoring with On-Site Inspections," will be presented later this month at the Community Banking in the 21st Century Research and Policy Conference. “As Bank construction lending: $403 billion. On-site inspections. CRE loans up.

Study 195

Study FDIC Lending Risk Management 195

South State Correspondent

JANUARY 16, 2024

Some bankers will soon hear about another example of banks using derivatives that, unfortunately, will lead to losses. introduced a LIBOR alternative in March of 2021 (called BSBY). We published various articles comparing community bank alternatives to LIBOR (such as SOFR, Ameribor, Fed Funds, and Prime).

Community Bank 195

Community Bank Community Compliance CA 195

Independent Banker

FEBRUARY 28, 2022

What it means for community banks is clear. Numbers from the second and third quarters of 2021 would indicate that a decline to more historically normal levels of activity is underway. Developing leaders in mortgage lending. You’ll learn about: The 2022 mortgage market outlook. How to turn insight into action.

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Leadership Strategy Lending Community Bank 91

Abrigo

NOVEMBER 29, 2021

Takeaway 3 Community banks have seen less volatility in noninterest income, and many are still eyeing growth across the category. Financial institutions generate most of their income by lending and investment activities. Community banks target growth. Types of Noninterest Income. An important source of revenue.

Community Bank 195

Community Bank Community FDIC Trends 195

Abrigo

MARCH 17, 2022

The 2022 stress test scenarios provide a blueprint for community banks and credit unions to get started on their own stress tests. Banks and credit unions can tailor them to their own instances rather than building them from the ground up – editing the regulator-developed scenarios as opposed to creating them from scratch. "a

Capital 195

Capital Regulation Risk Management Community 195

PYMNTS

OCTOBER 9, 2018

Experts say the move will not go unnoticed when the accounting standards begin to take effect for public companies in 2021. ” Small Businesses, Banks Affected. According to Cherry Bekaert LLP , Bank of America has allocated a 50-person team to prepare for adjusted credit loss standards.

Community Bank 153

Community Bank Report Community Lending 153

Gonzobanker

FEBRUARY 11, 2021

But some things do change, and according to Cornerstone Advisors’ 2021 What’s Going On In Banking study, the change in three priorities signal a shift in how FIs are managing technology: 1. In addition, a little more than half of financial institutions (54%) intend to launch new products or services in 2021.

Fintech 128

Fintech Lending Technology System 128

Abrigo

OCTOBER 20, 2020

During the presentation, “Acquiring and Developing Customers During the Pandemic – How We Did It,” panelists discussed the important role technology and digitization have played in their capacity to efficiently support customers during this time, and they stressed that these strategies would be even more important moving into 2021.

Management 195

Management Lending Community Strategy 195

Independent Banker

NOVEMBER 30, 2022

You have a bank that was born out of COVID and could have gone the other direction but ended up thriving.”. Lexicon Bank didn’t wait long to make a splash, sponsoring the 2021 World Series of Poker. But as a community bank that is there to serve the gaming hub of Las Vegas, Lexicon Bank welcomes these players with open arms.

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Las Vegas Community Bank Community Wisconsin 129

Independent Banker

FEBRUARY 28, 2023

Derek Williams, president and CEO of Century Bank & Trust in Milledgeville, Ga., wanted to be a financier before finding his way to community banking. He has served as president and CEO of $365 million-asset Century Bank & Trust in Milledgeville, Ga., now part of Bank of America, before moving to Griffin, Ga.,

Community 172

Community Community Bank Georgia San Antonio 172