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.

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Gonzobanker

DECEMBER 14, 2023

Bank leaders must feel like Rocky Balboa after 15 rounds with Apollo Creed. Just think of what the industry dealt with in the last 12 months: The brunt of the unprecedented scope and pace of Fed rate hikes hit home, and banks have seen an.80 million (that’s right million) of financial donations and support to the community in 2025.

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Fintech Community Regional Technology 190

Abrigo

NOVEMBER 13, 2024

Bank and credit union leaders can use data to inform small business lending Small businesses are showing resilience. As rates stay high, concerns about credit risk and borrower health are top of mind for bank and credit union leaders, especially as it relates to lending to small businesses. Nearly all U.S.

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ABA Community Banking

MARCH 21, 2024

Agricultural loan demand increased in 2023 and agricultural lending by U.S. farm banks grew 6.7% billion, according to ABA's annual Farm Bank Performance Report. The post ABA: Farm bank lending increased to $110 billion in 2023 appeared first on ABA Banking Journal.

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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.

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South State Correspondent

JANUARY 4, 2023

A potential economic slowdown, slower rate rises, an inverted yield curve, and deposit stress likely make 2023 a trying year compared to 2022. Banks will need to balance these short-term challenges with longer-term strategic goals. Financial pressure will be greater, and bank margins will be higher. Yeah, that was a mistake.

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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.

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South State Correspondent

JANUARY 22, 2023

In a previous article ( here ), we discussed why commercial loan prepayment protection would be a critical return on asset (ROA) driver for community banks in 2023. We outlined the four main reasons why prepayment provisions increase profitability for banks. The greater fool theory breaks down in a recession.

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Community Bank Community Capital Maine 195

South State Correspondent

FEBRUARY 27, 2022

At SouthState, we use a program called ARC (Assumable Rate Conversion) that allows borrowers to pay a fixed rate of interest for as long as 20 years, but the bank retains a floating rate asset. Current Risk in Term Lending. ARC is custom designed to allow community banks to compete anywhere on the yield curve.

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Abrigo

NOVEMBER 9, 2022

Financial institutions work to meet Q1 2023 CECL deadline A CECL implementation survey by Abrigo found progress by financial instittuions is mixed ahead of the upcoming deadline. . Takeaway 1 10% of banks and credit unions have completed CECL adoption, according to Abrigo's CECL implementation survey. Conclusion.

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Independent Banker

DECEMBER 31, 2022

We recently spoke with community bank CEOs from across the country to gain insights on how they’re proactively positioning to manage risks and take advantage of growth opportunities in the coming year. Following some respite in 2022, community bankers are bracing for a tougher economic landscape ahead in 2023.

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Community Bank Community Tampa North Carolina 91

Gonzobanker

FEBRUARY 8, 2023

Fintech startups looking for funding in 2023 are finding that it isn’t as easy as it was a few years ago. Community Banks as Venture Capitalists In fact, not all providers of venture capital are venture capitalists. Increasingly, banks are filling the void created by VCs. billion in capital into fintech startups in 2023.

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Community Bank Community Fintech Leadership 97

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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South State Correspondent

JUNE 13, 2023

However, when presented with a hedging strategy where the bank’s lending contribution to FTP is not known for 30 to 60 days, almost every banker declines – yet the same risk appears acceptable for the entire term of a balance sheet fixed-rate loan. The hedging mathematics makes the risk/return clearly visible and actionable.

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Independent Banker

DECEMBER 31, 2022

I’ve always been a glass-half-full guy, and though 2023 is expected to be a challenging economic year, it also brings opportunity. We simply need to remember what makes us special as community bankers, and with that as our foundation, we can embrace this season of change in four primary ways: 1. Priorities for a successful 2023.

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American Banker

NOVEMBER 13, 2023

Small Business Administration lending is an arena where community banks and nonbanks compete favorably with some of the largest U.S. financial institutions. Here are the biggest SBA 7(a) lenders based on the value of approved loans.

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South State Correspondent

AUGUST 21, 2023

Earlier this month, on August 7, 2023, Moody’s Investor Services (“Moody’s”) published a banking sector review. That publication was referenced in the media as a US bank rating action, with a downgrade to ten larger banks (and a negative outlook to 11 other larger banks).

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South State Correspondent

JUNE 21, 2022

This regime is now changing, and community banks need to position their lending and deposit portfolios for a period of monetary tightening. Short-term rates are also likely to continue to climb through 2023. Banks that have avoided, or can reduce, their holdings of riskier assets as much as possible will outperform.

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Community Bank Policies Community Marketing 359

Abrigo

AUGUST 13, 2024

Bank Slate Convos 6. Main Street Banking: A Podcast for Community Bankers 8. Banking on Digital Growth 9. The Community Bank Podcast 10. Banking on Fraudology Banking on Fraudology is hosted by Hailey Windham, CFCS, who was named a 2023 CU Rockstar. With Flying Colors 7.

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Abrigo

AUGUST 30, 2024

Takeaway 3 Banks should respond to the reform efforts to ensure contingent liquidity options will remain. Wake of 2023 bank failures Federal Housing Finance Agency review prompts reform The Federal Home Loan Bank (FHLB) system faces potential changes in its structure, operations, and mission that could affect financial institutions.

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South State Correspondent

JANUARY 25, 2024

Recently, larger lenders, including Bank of America, JPMorgan, Goldman Sachs, and Wells Fargo, have announced that they are seeing an elevated appetite for forward rate locks on loans for future anticipated commercial borrowings. The forward rate lock allows a win-win outcome for both borrowers and banks.

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Independent Banker

AUGUST 31, 2022

Against this backdrop, agtech—the application of technology to every aspect of the food production process, from farm to table—is growing in importance to the mission of ICBA and community banks. In fact, community banks provide about $155 billion in agriculture loans. Farmers and Merchants Bank in Milligan, Neb.,

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Innovation Community Bank Community Lending 144

South State Correspondent

JULY 26, 2023

The bigger risk to community banks’ business model is not a moderate recession induced by aggressive interest rate increases by the Federal Reserve. This article will discuss community banks’ strategies and tactics to mitigate a prolonged and profoundly inverted yield curve.

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Community Bank Community Strategy Atlanta 195

South State Correspondent

FEBRUARY 29, 2024

Since our last update on pricing and credit HERE , commercial loan pricing trends for the first quarter of 2024 continue to be driven by the perceived increase in credit risk, tighter credit supply and banks’ need for wider margins. percentage points bringing forward looking LGD to 44% of the average community bank loan amount.

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Independent Banker

DECEMBER 31, 2022

Here’s how community banks can enhance their payments offerings. of banks’ revenues come from payments. Payments account for up to 30% of bank revenue, and that income stream is under attack. As 2023 kicks off, community banks can respond to today’s payments landscape by addressing five key trends.

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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. million in 2023. Josh Prejean, Bank of Zachary. Source: Fannie Mae.

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Community Bank Community Lending Marketing 185

South State Correspondent

OCTOBER 23, 2022

Banks must plan for the possibility of high inflation and rising interest rates, not just for the next few years but perhaps for the remainder of the decade. This rapid change in interest rates requires careful planning, product selection, and new lending and deposit-gathering strategies. Application to Community Banks.

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Community Bank Community Meeting Lending 221

American Banker

MARCH 25, 2024

Lower commodity prices and decreases in government assistance are expected to push farm income lower this year and raise credit risk for banks.

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Lending Community Bank Industry Community 81

Independent Banker

OCTOBER 31, 2021

The CARES Act extended the CECL implementation deadline for many larger community banks until the end of the COVID-19 pandemic. Community bankers tell us that while the extension is welcome, they’re already down the road to implementation. ICBA tells FASB CECL isn’t feasible for community banks. By Stephanie Vozza.

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Community Bank Community Software New York City 91

South State Correspondent

MARCH 21, 2022

Last week’s FOMC Meeting resulted in an increase in short-term interest rates by 25 basis points (bps) and projected seven rate hikes in 2022 and another four hikes in 2023. Implications for Community Banks. Community banks must pay attention to loans that re-price in the next two or three years. Conclusion.

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Meeting How To St. Louis Community Bank 195

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.,

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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.

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How To Community Community Bank Marketing 195

Abrigo

OCTOBER 22, 2024

Federal Trade Commission (FTC) reported consumers lost more than $10 billion to fraud alone in 2023. Think about it: when a fraudster targets a small business owner or when an individual’s life savings are wiped out, it doesn’t just hurt the bank—it devastates families and communities. It’s about relationships.

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Security Fraud Community National 221

South State Correspondent

APRIL 10, 2023

CRE Risk Background While ten years ago, community and regional banks use to make up some 55% of the CRE market, in 2023, these banks now compose approximately 72% (below). The risk here is that community banks continue to take on an above-average amount of CRE credit exposure.

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Independent Banker

DECEMBER 31, 2021

Here’s what community banks need to know about these products and how they can take advantage of this model. Emerging as the latest form of point-of-sale (POS) lending, BNPL introduces new ways for consumers to make purchases and spread out their payments. an enabling bank for BNPL providers like Openpay (see sidebar below).

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South State Correspondent

APRIL 30, 2022

In this article, we analyze the industry’s cost of funding earning assets (COF) and track how community banks’ COF behaves relative to larger banks. In future articles, we will explain our modeling for community banks’ COF based on inflation, Fed Funds rates, consumer consumption and the Fed’s balance sheet runoff.

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South State Correspondent

JUNE 24, 2022

Most banks’ minimum DSCR by credit policy is 1.20X, and under that assumption, a credit that starts at 1.20X DSCR falls below 1.0X cash flow if interest rates increase by 1.90% – this is a level that interest rates are expected to reach by March of 2023.

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