Independent Banker

FEBRUARY 28, 2023

wanted to be a financier before finding his way to community banking. Photo by Harold Daniels Derek Williams, president and CEO of Century Bank & Trust in Georgia, is bringing his passion for community banking to his term as ICBA chairman for 2023/24. now part of Bank of America, before moving to Griffin, Ga.,

Community 172

Community Community Bank Georgia San Antonio 172

PYMNTS

MAY 31, 2019

who participate in 4-H, Future Farmers of America (FFA) or other programs that encourage young farmers to raise their own livestock for sale at county fairs. Community First has been offering youth agriculture loans of $100 to $2,500 at 0 percent interest for five years. Such cash infusions are real needs for children across the U.S.

Community 115

Community Lending social media Cards 115

PYMNTS

MARCH 28, 2019

ICBA Bancard, the payments services subsidiary of the Independent Community Bankers of America (ICBA), announced a new partnership with MK Decision (MK) for its online loan-origination system. Our mission — to stimulate local borrowing and local lending — is well aligned with ICBA Bancard and its community bank clients. “Our

Community Bank 190

Community Bank Community Lending Cards 190

PYMNTS

JULY 15, 2016

Small community banks may not have the ample resources that Wells Fargo or Bank of America have to develop high-tech, experimental solutions internally. In fact, the executives recently told PYMNTS that community banks actually have an advantage over the big guys, especially when it comes to small business banking.

Community Bank 100

Community Bank Community Lending Resources 100

PYMNTS

NOVEMBER 27, 2018

Yet, the small business lending gap remains. In a new report, PayNet and financial research firm Raddon examined the state of small business lending in the U.S. ” Banks have not invested in their small business lending operations to improve the process for the borrower, though.

Lending 159

Lending Fintech Capital Report 159

PYMNTS

SEPTEMBER 29, 2020

The cash flow challenges for small businesses have been in place for a while, in Latin America since well before the pandemic took root. In Latin America, the infrastructure mainly relies on banks to provide kind of these types of services to the SME segment. trillion globally, according to Shoihet.

United States 286

United States Regional America Trends 286

CFPB Monitor

AUGUST 7, 2023

Texas First Bank (Texas First), Independent Bankers Association of Texas (IBAT), and Independent Community Bankers of America (ICBA) (collectively, Proposed Intervenors) have filed an unopposed motion seeking leave from the court to intervene in the lawsuit challenging the CFPB’s final small business lending rule (Rule).

Community Bank 78

Community Bank Texas Community Lending 78

Independent Banker

JUNE 30, 2020

Today, as our country continues to grapple with the COVID-19 pandemic and the heavy hearted weight of racial tensions, we must remember that as Americans, and as community bankers, we have an opportunity to make decisions that will shape our future. And let’s take the time to ask: What do we want America to be when it grows up?

Community Bank 184

Community Bank Community social media National 184

CFPB Monitor

JULY 31, 2023

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Texas 145

Texas America Lending Community 145

South State Correspondent

APRIL 15, 2024

We feel that as community bankers, we can learn from Jamie Dimon (Chairman and CEO of JPM) and from Warren Buffet’s annual shareholder letters. 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.

Community 195

Community Community Bank Leadership America 195

PYMNTS

SEPTEMBER 30, 2020

Co-signed by the American Bankers Association, Bank Policy Institute, Independent Community Bankers of America and The Clearing House, the letter argues that banks and non-bank technology firms are both already embracing innovation in customer service offerings.

Regulation 349

Regulation National System Industry 349

CFPB Monitor

AUGUST 16, 2023

Two new developments occurred yesterday in the Texas lawsuit challenging the CFPB’s final small business lending rule (Rule). Continue Reading

Texas 78

Texas Community Community Bank Lending 78

PYMNTS

FEBRUARY 7, 2019

However, the impact of the tax reform on the small business community is not clear, particularly so soon after the reform came into effect. Bank of America paid an 18.6 Overall, the top banks saw lending grow by 2.3 Commercial and industrial lending accelerated among the top 25 banks in the U.S. percent rate.

Taxes 122

Taxes Lending National New York 122

Abrigo

MARCH 24, 2021

The top banking challenges in 2021 are growing loans and earnings, according to Independent Banker’s recent 2021 Community Bank CEO Outlook survey. Nevertheless, many financial institution executives have taken – and are taking – steps that will help address their top concerns related to lending and profitability. Optimize Technology.

Lending 221

Lending Technology Survey Examples 221

Abrigo

DECEMBER 1, 2020

25 and published by the Independent Community Bankers of America (ICBA) and others, the Small Business Administration said lenders will receive notice of a loan review via the PPP Forgiveness Platform inbox. Implement Abrigo's SBA Lending Solution in Days. Lending & Credit Risk. Lending & Credit Risk.

Lending 195

Lending Resources Groups Analysis 195

Bobsguide

APRIL 21, 2022

Finastra appoints Isabel Fernandez to accelerate lending business growth. Company welcomes Isabel to the Finastra leadership team, as EVP, Lending Business Unit. Other roles include President & CEO Global Bank Loans at GE Capital Americas and Head of Enterprise Clients. I’m looking forward to getting stuck in.”.

Lending 109

Lending Leadership Innovation Software 109

PYMNTS

MARCH 25, 2019

A federal judge late last week ordered a stay on the August 2019 compliance date tied to the “ payday lending rule ” mandated roughly two years ago by the Consumer Financial Protection Bureau (CFPB). The judge wrote in his March 19 ruling that he had not received a request to lift the stay. This is still illegal federally.”

Lending 128

Lending Illinois Compliance Chicago 128

PYMNTS

AUGUST 4, 2017

Are community banks missing the chance to climb aboard the faster payments train? With various banks and FinTechs producing innovative solutions — like mobile banking and P2P tools aimed at improving the speed of payments — the pressure is on for community banks to keep up. faster payments system.

Community Bank 116

Community Bank Community Innovation Millennials 116

South State Correspondent

APRIL 30, 2024

An inverted yield curve, continued bank failures, and the desire to manage risk and offer clients higher service are all factors that are driving more community banks to adopt a loan hedge program. Community banks’ main goals are to diligently support their local communities and make an acceptable return on capital in these challenging times.

Community Bank 195

Community Bank FDIC Community National 195

South State Correspondent

APRIL 30, 2024

An inverted yield curve, continued bank failures, and the desire to manage risk and offer clients higher service are all factors that are driving more community banks to adopt a loan hedge program. Community banks’ main goals are to diligently support their local communities and make an acceptable return on capital in these challenging times.

Community Bank 195

Community Bank FDIC Community National 195

CFPB Monitor

AUGUST 17, 2023

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Texas 78

Texas Community Bank Community Lending 78

Abrigo

MARCH 6, 2017

The ABA has a new report out on how banks are using social media, and much of the report focuses on using Twitter, Facebook, LinkedIn and the like to boost customer service, make connections in the community and recruit staff. His recent research reports have covered SMB lending, alternative lenders and automating commercial lending.

social media 150

social media Lending Community Community Bank 150

CFPB Monitor

MAY 10, 2023

Supreme Court seeking reversal of the Fifth Circuit panel decision in Community Financial Services Association of America Ltd. Constitution and, as a remedy for the constitutional violation, vacated the CFPB’s payday lending rule (Payday Rule). Continue Reading

America 130

America Lending Community 130

Abrigo

APRIL 21, 2020

Key Takeaways Financial institutions have 10 calendar days to disburse PPP loans To address financial institutions’ liquidity and leverage concerns, regulators have helped to facilitate lending. To address financial institutions’ liquidity and leverage concerns, regulators have helped to facilitate lending. Lending & Credit Risk.

Lending 195

Lending Capital Minnesota FDIC 195

Abrigo

APRIL 18, 2020

“We were able to provide funding for 95% of those customers that completed the application process and were approved internally,” said Andy Hunter, President of SaviBank in Burlington, Washington, another customer of Abrigo’s Sageworks SBA Lending solution. “We Lending & Credit Risk. SBA Lending. Lending & Credit Risk.

Lending 195

Lending Wyoming Maine Nebraska 195

South State Correspondent

APRIL 12, 2022

We feel that as community bankers, we can learn much from Jamie Dimon (Chairman and CEO of JPM) and from Warren Buffet. 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. 3) Community Focused. 2) Leadership Matters.

Community 195

Community Community Bank Leadership Lending 195

CFPB Monitor

JUNE 29, 2016

The Independent Community Bankers of America and the Credit Union National Association have sent a letter to Director Cordray “to express serious concerns” about the CFPB’s proposed rule covering single-payment payday and auto title loans, deposit advance products, and certain high-rate installment and open-end loans.

Community Bank 68

Community Bank Community Groups Lending 68

Abrigo

FEBRUARY 14, 2024

Find commercial real estate risks in the loan portfolio Sound risk management practices in commercial real estate lending help lenders manage CRE credit losses and protect the portfolio's profitability. You might also like this podcast, "How to sleep easier at night about your capital and risk levels." Stay up to date with CRE advice.

Risk Management 195

Risk Management Management Lending Capital 195

PYMNTS

APRIL 9, 2020

And meanwhile across America are a bunch of bankers going, ‘well I’m not hitting the send button yet cause I don’t understand this.’”. So we have to take that into consideration of the amount of money we know we’ve got to lend out just keep our normal lending business going,” Speight said. So how to fix the log jam.

Lending 285

Lending Capital Washington Risk Management 285

Perficient

OCTOBER 7, 2020

I expect to see changes that help organizations deal with severe episodic health issues, which the healthcare system in America was not geared to solve. The delays that have been erased because of Covid-19 will lend themselves to fully virtual trials in the future.

Cleveland 309

Cleveland social media System Tools 309

South State Correspondent

SEPTEMBER 18, 2023

This development is very important to community banks, as their efficiency ratio also increased, but to 61.63%. However, we believe that community banks should consider a different strategy since community banks’ much higher efficiency ratio results from a different driver.

Management 195

Management How To Community Bank Community 195

PYMNTS

JUNE 13, 2018

In a joint motion filed late last week in federal court in Austin, TX, Mulvaney, the Community Financial Services Association of America and the Consumer Service Alliance of Texas asked a judge to delay the new regulations from going into effect.

Texas 112

Texas Lending Austin Regulation 112

Independent Banker

MARCH 31, 2022

Executive committee members tell us what advocacy issues they’ll be focused on during their terms, while board members share their words of wisdom for up-and-coming community bankers: themselves. To sum it up, these leaders are all in and all heart for community banking. We are not Wall Street banks—we are community banks.

Community Bank 239

Community Bank Community Industry Texas 239

PYMNTS

OCTOBER 11, 2017

Last week, after five years of debates, discussions, arguments and waiting, the Consumer Financial Protection Bureau’s (CFPB) final rules for payday lending dropped. As one might expect after such a long and intense build-up, the reactions were also fairly intense from both sides. million comments submitted. Somewhat Unexpected Agreement.

Lending 109

Lending Regulation Guidelines FDIC 109

PYMNTS

AUGUST 14, 2018

Payday and short-term lending is a contentious topic in the United States, particularly when it comes to its regulation. Ohio’s House Bill 123 officially exists to close a series of loopholes that existed under the state’s previous attempt at regulating the short-term lending industry, the 2008 Short-Term Loan Act.

Lending 100

Lending Ohio Regulation Industry 100

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. Community banks also offer forwards to poach customers from other banks.

How To 195

How To Community Bank Community National 195

Bank Innovation

JANUARY 6, 2020

Jack Henry, the banking technology provider that specializes in community and regional banks, is expecting banks to increase their human-digital approaches in 2020.

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Community Regional Technology Company 243