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

South State Correspondent

JANUARY 20, 2023

2022 will go down as one of the worst years for community bank loan mispricing when viewed on a spread basis. Rapidly rising rates crushed performance as many banks held a fixed rate constant and/or booked a fixed rate loan at a misguided level. Banks had tight spreads on loans with 1.2

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Lending Community Bank Community Data 195

South State Correspondent

AUGUST 15, 2023

This article provides an update on pricing trends driven by our Loan Command aggregated community bank data and highlights some working pricing ideas. A combination of credit concerns and funding pressure have most community banks focusing on their existing customers and moving away from new transaction-orientated clients.

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Trends Community Bank Community Lending 195

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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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.

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Compliance Community System Training 195

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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South State Correspondent

JANUARY 18, 2023

However, in 2023, loan prepayment provisions will be essential tools for commercial banks. Loan prepayment provisions lower prepayment speeds (especially in a stable or declining interest rate environment) and drive higher return on assets (ROA) for banks. Prepayment penalties on loans always drive value.

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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. I went to work for a community bank, kind of by accident, and found the job love of my life,” he says. “I That love of community has defined his career.

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Community Community Bank Georgia San Antonio 172

South State Correspondent

DECEMBER 4, 2024

We will focus on how this research can help community bankers make decisions today to avoid business mistakes and achieve higher performance for their institution. The graph below shows capitalization, net income, NIM and NPL for failing banks in quarters before failure. hurdle), hurts a bank’s long-term performance.

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Community Bank Community FDIC Tools 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.

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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.

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Resources Community Bank Community Texas 115

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.

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Community Bank Community Capital Maine 195

South State Correspondent

MARCH 30, 2023

In the quest for deposits, one successful tactic at top-performing banks is to target the right types of customers. While desiring to bank everyone in your community is noble, it can be a poor use of resources. Some customers offer better returns because they use more banking services and have more deposit balances.

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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.

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Community Bank Capital Marketing Lending 195

South State Correspondent

SEPTEMBER 25, 2023

On September 20, 2023, the Federal Open Market Committee (FOMC) left its benchmark rate unchanged, but it would be a mistake to conclude that the committee did not send a strong message about the projected path of future interest rates. in 2023 and slightly higher in 2024.

Community Bank 195

Community Bank Community Industry Marketing 195

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?

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Banking Trends Retail Trends Community Bank 151

Banking Exchange

FEBRUARY 1, 2023

Research by S&P Global shows increased borrowing and declining credit conditions could push up costs substantially Community Banking Feature3 Feature The Economy Financial Research Financial Trends

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Community Bank Community Trends 78

Independent Banker

DECEMBER 31, 2022

ICBA is leaning into it, bringing its ThinkTECH Accelerator program and innovation efforts in-house to provide community bankers with targeted solutions. Stevens’ novel, The Lies About Truth , that captures our ethos heading into 2023: “If nothing changes, nothing changes. You want change, make some.” Continuing digital transformation.

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Independent Banker

OCTOBER 31, 2022

FedNow can be another positive differentiator for our nation’s community banks, but we must be ready for this real-time service and its 24/7/365 requirements.”. By mid-2023, we will be able to begin offering this solution to our customers. So, with FedNow’s launch on the horizon, what can community banks do to prepare?

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Community Bank Payments Community Resources 204

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. Learn More.

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South State Correspondent

NOVEMBER 30, 2022

Banks have ceased using LIBOR to price assets and liabilities after 2021. The remaining LIBOR cash and derivative instruments will continue until June 30, 2023. An index representing overnight rates and term structures is fundamental to community banks that sell products with multiple payment periodicities. Daily SOFR.

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Community Bank Community Marketing Groups 195

American Banker

DECEMBER 12, 2023

The top five community banks averaged a return on average equity of 75.37% as of June 30, 2023.

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Community Bank Community Industry 81

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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Community Bank Community Capital Analysis 195

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.

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Lending Risk Management Community Management 221

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 98

South State Correspondent

OCTOBER 26, 2023

There is a rash of bank consent orders that either were just made public or are about to become public that everyone is talking about and have noticeably put a damper on community banks’ enthusiasm for BaaS. Given that the SEC is not far behind, environmental reporting was also common cocktail party content.

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Conference Las Vegas Fraud Data 221

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

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Community Bank Community Capital Policies 195

Banking Exchange

JANUARY 16, 2023

Merchants & Marine Bank and City National Bank have launched separate initiatives to support small businesses and local communities Community Banking Feature3 Feature Small Business Customers People Consumer Compliance

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Community Bank Community Compliance National 136

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.

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ABA Community Banking

NOVEMBER 21, 2022

As the end of the year draws near, banking journalist and analyst Paul Davis joins the ABA Banking Journal Podcast to discuss the bank mergers and acquisitions outlook for 2023. The post Podcast: The community bank M&A outlook for 2023 appeared first on ABA Banking Journal.

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Community Bank Community Fintech 59

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.

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How To Community Bank Community National 195

Abrigo

NOVEMBER 13, 2024

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. Longer working capital cycles drive line utilization Businesses are holding inventory longer (81 days in 2023 vs. 72 in 2019) and extending receivables (31 to 41 days).

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South State Correspondent

JUNE 13, 2023

Conclusion We have always been keen on outlining practices that lead to higher performance for community banks. Implementing some of these loan pricing and structuring best practices can be politically sensitive, but better-informed bankers lead to higher-performing banks.

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Marketing Examples Capital Management 195

Independent Banker

NOVEMBER 30, 2022

How we hire, retain, recruit and advance our missions amid momentous change will remain a key topic for community bank leaders and will influence our plans for the future. This month’s issue focuses on the best banks to work for, because community banking is about so much more than transactions. Where I’ll Be.

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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

American Banker

AUGUST 1, 2023

The top five community banks have more than $1.2 billion in combined farm loan portfolios as of March 31, 2023.

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Community Bank Community 69

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.

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Community Bank Community Strategy Atlanta 195