South State Correspondent

AUGUST 15, 2023

The fear of recession has decreased in 3Q, and the new primary concern shifts back to interest rate risk and deposit cost management. This article provides an update on pricing trends driven by our Loan Command aggregated community bank data and highlights some working pricing ideas. Total industry loans grew 5.1%

Trends 195

Trends Community Bank Community Lending 195

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.

Community Bank 195

Community Bank Capital Marketing Lending 195

Abrigo

AUGUST 31, 2023

Teaching staff these KYC tips to make clients feel more comfortable In 2023, KYC procedures must both support CDD compliance and make sure your institution is a welcoming place for all customers. Takeaway 2 In 2023, KYC should both strengthen your AML program and personalize services to support clients' individuality and value.

Compliance 195

Compliance Community System Training 195

South State Correspondent

JUNE 18, 2024

Deposit costs and liquidity remain a challenge for some community banks as competition for core funding remains intense. The graph below compares the liquidity ratio for community banks (under $10B in assets) and banks over $100B in assets. Community banks do have a few strategies for mitigating COF pressures.

Community Bank 195

Community Bank Community Risk Management Management 195

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. With months to deadline.

Survey 195

Survey Software Resources Meeting 195

South State Correspondent

OCTOBER 26, 2023

As can be seen, the conference largely revolved around payments, artificial intelligence, fintech partnerships/management, regulation, and fraud/identity in its various forms. The near-frictionless Know Your Customer (KYC) solution merits a look from banks. Below is a breakdown of all 300 sessions, less the demos and sales pitches.

Conference 221

Conference Las Vegas Fraud Data 221

Abrigo

DECEMBER 22, 2023

The most-read lending & credit blogs in 2023 Probability of default, CECL model validation, and stress testing were among Abrigo's top blogs on ALM, CECL, and portfolio risk this year. download NOW Takeaway 1 The most popular blog posts on the Abrigo site reflect many of the priorities community banks and credit unions had in 2023.

Lending 222

Lending Risk Management Community Management 222

Independent Banker

OCTOBER 31, 2022

ITMs and VTMs are popular retail banking innovations among community banks. What’s on the horizon for retail banking? We spoke with two community banks that have ramped up their services to meet—and exceed—the changing expectations of customers. So how are retail banks meeting this challenge?

Banking Trends 151

Banking Trends Retail Trends Community Bank 151

South State Correspondent

JUNE 13, 2023

When interest rates rise, lenders struggle to manage revenue and economic capital; when rates fall, borrowers can commonly refinance the debt at lower rates. This allows management to better manage credit, interest rate, and operational risk in business units. Better products create win/win outcomes for lenders and borrowers.

Marketing 195

Marketing Examples Capital Management 195

South State Correspondent

DECEMBER 4, 2024

Dynamics of Bank Failure and Performance Credit Risk: While the study spans 160 years, it divides the analysis between pre- and post-FDIC periods (the latter between 1959 and 2023). The graph below shows capitalization, net income, NIM and NPL for failing banks in quarters before failure.

Community Bank 195

Community Bank Community FDIC Tools 195

Independent Banker

DECEMBER 31, 2022

While the pace of bank regulatory changes has diminished from a few years ago, several issues will either become effective or likely develop in 2023. Community banks must continue to stay focused on regulatory discussions and remain nimble to respond to proposals and address requirements quickly and accurately.

Compliance 100

Compliance FDIC Community Bank Community 100

Abrigo

NOVEMBER 13, 2024

Despite borrowing more and tapping credit lines, they're managing leverage and meeting debt obligations, according to Abrigo's proprietary data. 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.

Lending 222

Lending Meeting Data Risk Management 222

Cisco

JANUARY 10, 2023

As a change agent serving the financial services industry for over 20 years, it is a great privilege to collaborate with Bank, Insurance, and Wealth Management institutions to devise and execute digital transformation strategy, solve complex business problems, and leverage technology to strengthen business results.

Digital Strategies 174

Digital Strategies Strategy America Innovation 174

Independent Banker

FEBRUARY 28, 2023

As community banks navigate this process, there are plenty of resources available to answer questions and provide guidance. Three sources of information on FedNow As community banks look to take advantage of this new opportunity, they seek resources to help them navigate the journey.

Resources 115

Resources Community Bank Community Texas 115

South State Correspondent

JANUARY 30, 2023

Rising funding costs and decreasing liquidity at community banks are causing managers to change pricing methodology for new credits. We estimate that 25% to 50% of community banks have a policy requiring minimum yield or credit spreads for new commercial loans.

Community Bank 195

Community Bank Community Strategy Management 195

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.

Community Bank 98

Community Bank Community Fintech Leadership 98

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. But this application also prevents competition from national banks after the construction and stabilization.

How To 195

How To Community Bank Community National 195

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.

Community Bank 91

Community Bank Community Tampa North Carolina 91

South State Correspondent

JULY 30, 2023

How should community banks target and compare their ROE to the industry and their peer group, and what defines a top-performing bank? Most importantly, is there an ROE level ensuring a bank remains long-term independent and healthy? Bank ROE Historical Performance Total assets for all FDIC-insured institutions was $23.7T

Community Bank 195

Community Bank Community Capital Policies 195

Abrigo

AUGUST 13, 2024

Thankfully for bank and credit union executives, lenders, risk managers, and Bank Secrecy Act (BSA) Officers, banking podcasts and podcasts for credit unions are plentiful, and options are growing. Busy financial services professionals have many opportunities to hear timely discussions on banking issues.

Fraud 222

Fraud Community Community Bank Lending 222

South State Correspondent

JULY 7, 2024

This example of a two-way asymmetrical liquidity option is common at most banks, and this was the primary cause of several high-profile bank failures in 2023. This reduction represents 23% of the average NIM for community banks. Liquidity optionality is a common, but manageable, risk in the industry.

Lending 195

Lending Community Bank Community Exercises 195

South State Correspondent

DECEMBER 13, 2023

The graph below shows COF for the same three groups of banks. Community banks’ COF increased 18bps in Q3/23 sequentially, while the Fed has been on pause since July. Unfortunately, as the Fed continues to drain liquidity from the market using QT, community banks’ most formidable challenges in managing COF lie ahead.

Community Bank 195

Community Bank Community Policies Security 195

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.

San Francisco 195

San Francisco Risk Management New York Capital 195

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. Yield pickup.

Community Bank 195

Community Bank Community Strategy Atlanta 195

Independent Banker

JANUARY 31, 2023

Illustration by Maïté Franchi With educational sessions on hot‑button issues, inspirational speakers and beneficial networking opportunities, ICBA LIVE is the greatest community banking event in the country. Everyone leaves the event with new information in hand to put into action back at their bank.” New connections.

Community 91

Community Honolulu Community Bank Leadership 91

South State Correspondent

MAY 9, 2022

In our previous article ( HERE ), we reviewed the banking industry’s cost of funding earning assets (COF), and we compared how community banks’ COF behaves relative to national banks in a rising interest rate cycle. The Fed will surpass the total of the entire 2017-2019 balance sheet tightening by early 2023.

Community Bank 195

Community Bank Community Industry Online 195

Abrigo

FEBRUARY 6, 2024

Takeaway 2 Community banks may face challenges seeking reimbursement for breach of warranty claims filed with other FIs. Takeaway 3 Banks and credit unions should leverage new tools to improve check fraud prevention that can ease the burden on their staff and safeguard customers.

Fraud 222

Fraud Training Trends Regional 222

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. ARC is custom designed to allow community banks to compete anywhere on the yield curve. Current Risk in Term Lending.

Lending 195

Lending Community Bank Community Meeting 195

South State Correspondent

AUGUST 8, 2022

Insights Based on 2Q Bank Earnings. Insight #1 – Deposit & Margin Management: Deposit runoff has started and will make it to community banks by October. For 2Q, larger community banks lost about 0.3% of their deposits, and small banks were either flat or continued to gain.

Trends 195

Trends Community Bank Community Retail 195

South State Correspondent

APRIL 23, 2023

The root cause of Silicon Valley Bank’s (SVB) failure is poor risk management – plain and simple. Bankers need to understand and manage their business on the fair value of assets and liabilities instead of managing their business on net interest margin and the amortized historical cost of assets and liabilities.

Management 195

Management Security Risk Management social media 195

South State Correspondent

JANUARY 30, 2024

The good news is that for many other areas, budgets are lower at banks compared to last year, and the fact that IT is still positive underscores the strategic imperative that banks face to digitize traditional operations, reduce costs, gain scale, and improve the customer experience. Technology-forward banks spend as much as 16.4%

Capital 195

Capital Operations Customer Experience Comparison 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.

Security 222

Security Fraud Community National 222

Abrigo

MARCH 17, 2022

Why smaller institutions stress test Despite the total assets threshold noted above, regulators continue to emphasize that all banking organizations regardless of size should have the capacity to analyze the potential impact of adverse outcomes on their financial condition. The severely adverse scenario outlines the U.S.

Capital 195

Capital Regulation Risk Management Community 195

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.

Community Bank 195

Community Bank Community Los Angeles Regional 195

Abrigo

JULY 28, 2021

Takeaway 1 The 2023 deadline for CECL implementation is coming, and many SEC filers have said they would have started earlier. . Banks and credit unions also need to determine what data has been tested or historically reconciled to make sure that gaps and inconsistencies do not cause problems. Benefits of earlier CECL implementation.

Resources 195

Resources San Antonio Data Regulation 195

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.

Community Bank 195

Community Bank Strategy Community FDIC 195

Abrigo

APRIL 7, 2022

Experts answer CECL questions from 2023 adopters Participants in Abrigo's CECL Kickstart webinars asked consultants their questions leading up to the 2023 CECL implementation date. Takeaway 3 With good organization and some expert assistance, financial institutions will have a defensible model by 2023. Models for Success.

Policies 195

Policies Data Examples Lending 195