South State Correspondent

NOVEMBER 15, 2022

the As interest rates go back up and volatility continues to remain high, banks’ cost of capital has undergone a significant shift up. Your cost of capital is essential to know for several reasons. Produce over your cost, and you will be able to attract more capital. Why Calculate Your Cost of Capital?

Capital 195

Capital How To St. Louis Community Bank 195

Abrigo

JANUARY 19, 2015

The Recession and its subsequent rate of bank failures underscore the need for banks of all sizes to invest in developing a capital plan. The Recession taught many institutions that whatever processes had been in place for managing capital were not sufficient. The result was insufficient capital. Forward-looking review 4.

Capital 150

Capital Analysis Policies Examples 150

Abrigo

JANUARY 17, 2025

This article covers these key topics: What is a core deposit intangible? One way to easily envision this, according to Abrigo Advisory Services Manager Manuel Aya, is to think of it as the value that arises from retaining depositors, and hence deposits, at an institution versus needing to go into the open market to fund activities.

Strategy 195

Strategy Guidelines Management Operations 195

South State Correspondent

JUNE 20, 2024

Banks don’t have enough product managers. A manager may oversee the operation of a product, but few banks have product managers who drive product development and performance. This article further explores what it means to be a bank product manager. What is Bank Product Management?

Management 195

Management Training Strategy Compliance 195

Abrigo

MAY 20, 2022

Meet Model Risk Management Expectations Updates to the FDIC Risk Management Manual should steer institutions toward a model that manages risk and drives growth. Would you like other articles like this in your inbox? Model Risk Management in the spotlight. FDIC Update.

Risk Management 195

Risk Management Management FDIC Meeting 195

Abrigo

MARCH 31, 2025

The lender needs to put forth an accurate and complete picture of the borrowernot only for the borrowers sake, but also for the financial institutions risk management. Relevant memos also consider managements actual ability to run the business. A credit memo may also be used for modifications, renewals, or annual loan reviews later on.

Analysis 195

Analysis Risk Management Management Data 195

South State Correspondent

FEBRUARY 12, 2025

In this article, we quantify commercial loan pricing trends from our Loan Command data that will hopefully help community banks price more effectively and win more profitable business. This will help banks further add context to the above loan pricing trends and better allocate capital.

Trends 195

Trends Community Bank Capital Industry 195

South State Correspondent

JULY 5, 2022

In this article, we analyze why 75% LTV may not protect banks from credit risk on commercial loans and why there is only one source of loan repayment. . Many bankers responded that their loan-to-values (LTVs) are low and expect that the secondary source of repayment will protect the bank’s capital. Background.

Management 195

Management Capital US Community Bank 195

South State Correspondent

MARCH 13, 2023

While we will cover the general lessons HERE , in this article, we wanted to focus on the root cause – how and why interest rate risk caused the second-largest bank failure in US history (Washington Mutual was the largest in 2008). More importantly, the bank’s held-to-maturity (HTM) securities portfolio was $91.3B

Risk Management 221

Risk Management Management Community Bank Community 221

South State Correspondent

MARCH 4, 2025

In this article, we provide a five-step AI-enabled process that will help your bank with solving strategic challenges. Will capital, for instance, become more expensive or cheaper? products (treasury management, commercial loans, etc.), Are there available technologies that could help solve this problem by implementing them?

Examples 221

Examples Capital Data Case Study 221

Perficient

DECEMBER 14, 2020

If your organization is looking to capitalize on cloud technology in 2021, here are a few trends to keep in mind. Serverless functions eliminate the need for server software and hardware management, allowing developers to focus on optimizing application code. The Public Cloud Market Will Surge.

Technology 348

Technology Trends Software Resources 348

South State Correspondent

JANUARY 22, 2025

This article presents our six-step framework for getting started, discusses using AI for strategic planning, and looks at some of its strengths and risks. Gen AI excels at distilling options down to recommendations, which is helpful to management teams that are having a hard time deciding. The right questions are also important.

How To 195

How To Data Training Tools 195

PYMNTS

OCTOBER 21, 2020

He added that instant funds can help SMBs better manage cash flow . Square now manages $100 billion in annual payments and has an $83 billion market capitalization, the article said. Before Square, launched by Twitter co-founder Jack Dorsey in 2009, SMBs had a hard time maneuvering point-of-sale (POS) card transactions.

Fintech 309

Fintech Conference Cards Payments 309

Abrigo

MARCH 25, 2022

This ALM 101 post describes the value at risk(VAR)/economic value of equity (EVE) risk perspective (long-term risk to market value of capital). Would you like other articles like this in your inbox? ALM 101: Introduction to Asset/Liability Management. It is the third in a series. . Measuring VAR/EVE.

Management 195

Management Analysis Examples Strategy 195

Abrigo

APRIL 12, 2016

The FDIC is offering a fresh take on how a bank’s board of directors should understand and manage risk. Prudent oversight is rooted in the directors sending a clear message to staff that they value a strong risk management culture that includes a strong ethical culture,” the FDIC said. Evaluating risk management.

Management 150

Management FDIC Risk Management Community Bank 150

Abrigo

AUGUST 1, 2022

Best practices for assessing models and managing risk Sound model development, implementation, use, and validation is especially important as CECL models debut. . Would you like other articles like this in your inbox? What are model risk management and model validation? Model governance overview. Federal guidance.

Risk Management 195

Risk Management Management Regulation Analysis 195

South State Correspondent

FEBRUARY 22, 2023

This article is about developing more of those expert-level deposit pricing skills. Non-Expert Deposit Pricing Management – How To Destroy Bank Franchise Value The best way to quickly destroy value is to peg a deposit product to an index such as SOFR, Prime, Fed Funds, or Treasuries.

Management 195

Management Marketing Branding Strategy 195

South State Correspondent

JULY 24, 2024

In this article, we explore the tactic of a high-yield deposit account. Not everyone needs rewards points, instant payments, or weekend service, but everyone needs cheap capital and more income. New acquisition, sales, marketing, support and management costs drive up the operating cost overtime further hurting profit.

South Carolina 417

South Carolina Marketing Capital Idaho 417

BankUnderground

DECEMBER 4, 2024

Figure 1: Total S&P 500 options trading volume by Time to Expiry (2016 to August 2023) Source: CBOE article: The Evolution of Same Day Options Trading , 3 August 2023. Potential deficiencies in the current margining system, and the inability of risk management infrastructure to keep pace with new market developments.

Marketing 124

Marketing Risk Management Retail Capital 124

South State Correspondent

MARCH 10, 2025

At SouthState Bank, we utilize a loan-level hedging program called “ARC,” which is available to all community banks and, in our opinion is easier to manage and understand than a B2B program, but the point of this article is for banks to manage the risk through some loan hedging program instead of taking the risk without compensation.

Community Bank 195

Community Bank Community Operations Report 195

Perficient

MARCH 30, 2023

The front office is screaming down to the Settlement Office, “Operations, we need more capital!” Blockchain technology can be a solution to the batch processing issue that plagues trading desks having to wait on settlement confirmation; before having capital/securities available for trading. I’m giving it all we’ve got.

Operations 275

Operations blockchain Capital Security 275

Abrigo

APRIL 15, 2022

ALM & Measuring Liquidity Risk at Banks and Credit Unions Regulatory agencies expect financial institutions to manage liquidity risk using processes and systems commensurate with the complexity, risk profile, and scope of operations. Would you like other articles like this in your inbox? This is the fourth post in a series. .

Management 195

Management Meeting Risk Management Operations 195

Abrigo

FEBRUARY 25, 2025

This article covers these key topics: Cultivating fertile ground for small business lending Do large lenders have an advantage in small business lending? But these businessesoften the backbone of their communitiesdepend on access to capital. They often must consult paper files as well as information housed in separate digital systems.

Lending 195

Lending FDIC Policies Analysis 195

South State Correspondent

JANUARY 10, 2024

This article examines why the standard way to value a bank is flawed and how to have a better methodology. Banks often don’t know who their most profitable customers are, and if they do, they ignore the basics of targeting those customers and prospects with marketing, sales, and product management.

Management 195

Management Examples Marketing Millennials 195

South State Correspondent

NOVEMBER 20, 2024

In this article, we will touch on innovation, technology and banking strategy to show why banks tends to overemphasize ease, familiarity and convenience instead doing the difficult task upfront that will ultimately keep things simple. To be clear, complexity isn’t bad, it just has more risk and is harder to manage.

Strategy 195

Strategy Resources System Management 195

Perficient

SEPTEMBER 9, 2020

The effects of good content marketing can be long-lasting, offering ongoing engagement while other tactics capitalize on shorter-term opportunities. Create a Content Roadmap and Management Systems. Article Page: example.com/content-hub/category/keyword-rich-page-title. Know Your Audience & What Works. Audit Existing Content.

Google 429

Google social media Branding Marketing 429

Abrigo

FEBRUARY 6, 2025

Cannabis-related businesses (CRBs)spanning everything from cultivation to retailrepresent a market in need of lending services, from working capital to real estate and equipment loans. Yet, they remain underserved due to the risks involved. Its a way to serve businesses that are often forced to operate outside traditional financial systems.

Lending 195

Lending Compliance Community Software 195

South State Correspondent

MAY 7, 2024

A slew of articles have been published explaining the reason for this bank’s failure. Not The Root Causes We think that the most disingenuous cause of the bank’s failure as cited in various articles is the “uncertain environment.” This first bank failure in 2024 is reported to cost the Deposit Insurance Fund $667mm.

Risk Management 195

Risk Management Security Management Groups 195

Abrigo

DECEMBER 22, 2023

Takeaway 2 The top lending and credit blog posts focused on the benefits of banking technology, interest rate management, and developing risk ratings. Takeaway 3 Articles specific to small community banks were among the most-read blogs, with best practices for construction lending at the top of the list.

Lending 221

Lending Risk Management Community Management 221

South State Correspondent

JANUARY 17, 2024

In our last article ( HERE ), we highlighted the methodology around why banks should calculate and drive value through customer profitability and product profitability. We focused mainly on customer profitability and used risk-adjusted return on capital as a proxy for profitability. increase in M/B. The answer is – most likely.

Study 195

Study Maine Analytics Capital 195

Abrigo

SEPTEMBER 25, 2024

Would you like other articles like this in your inbox? 7(a) and 504 loan programs both use E-Tran for managing loans. Small Business Administration’s E-Tran system has long been a central tool for lenders looking to submit and manage SBA loans efficiently. Key Takeaways E-Tran is the SBA's loan submission platform.

Lending 379

Lending St. Louis Fraud Software 379

South State Correspondent

MARCH 28, 2023

In a recent article ( here ), we discussed why banks that take risks to earn higher revenue demonstrate lower performance as measured by ROA. While in that blog, we specifically considered the risk-return tradeoff for credit risk; in a future article, we’ll consider interest rate risk.

Community Bank 195

Community Bank Community Management Marketing 195

Abrigo

JUNE 5, 2023

Banking reports to inform risk management and strategy These reports on capital, growth, and liquidity help financial institutions spot warning signs. They help manage and shape strategy in volatile economic and industry conditions. the Community Bank Leverage Ratio (CBLR) and the minimum Tier 1 leverage ratio).

Report 195

Report Risk Management Capital Data 195

Abrigo

AUGUST 30, 2024

Prepare now for potential changes to FHLBs Capital rules and membership criteria are among the areas where banks could see changes in how the Federal Home Loan Bank system operates. Capital rules and membership criteria are among the areas where banks could see changes. Would you like other articles like this in your inbox?

San Francisco 195

San Francisco Risk Management New York Capital 195

Abrigo

JUNE 14, 2021

Would you like others articles like this in your inbox? Management commitment As with any compliance program, one of the most important aspects of a strong SCP is a “culture of compliance,” from the top, to the middle, to the front line. Takeaway 1 OFAC has issued new guidance on the essential components of a strong compliance program.

Compliance 370

Compliance Training Resources Policies 370

PYMNTS

JANUARY 8, 2021

In only one example noted in this space, as reported this week , tech startup Social Finance (SoFi) is closing a merger deal with blank-check firm Social Capital Hedosophia Holdings Corp. Investing in SPACs also requires a fair amount of trust in the management teams behind the dealmaking. V to file an IPO.

Capital 237

Capital Examples Company Course 237

PYMNTS

OCTOBER 22, 2018

22) that it will buy Pennsylvania-based JetPay , “a provider of end-to-end payment processing and human capital management solutions,” according to a statement. JetPay ’s services include card acceptance, processing, payroll, payroll tax filing, human capital management services and other financial transactions.

Payments 136

Payments Pennsylvania Capital Strategy 136