South State Correspondent

SEPTEMBER 11, 2023

In this article, we analyze the underlying data for community banks and focus on the Chairman’s view of the future of bank performance. Community banks were challenged with increasing deposit costs and a lower increase in loan yield than the industry average, leading to a decline in NIM.

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Abrigo

NOVEMBER 13, 2024

This article covers these key topics: Debt-service coverage ratios are steady. In conversations with community banks and credit unions across the country, we’re hearing about a significant increase in line utilization, raising questions about both liquidity and credit risk. Leveraged has improved since 2019.

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South State Correspondent

JANUARY 10, 2024

Community banks’ use of swaps (banks’ primary tool to hedge interest rate risk on loans) has increased substantially over the last ten years. Meanwhile, community banks face net interest margin (NIM) and fee income pressure. Meanwhile, community banks face net interest margin (NIM) and fee income pressure.

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South State Correspondent

JULY 5, 2020

Covid-19 and the responses to the pandemic are exerting various pressures on community banks. How a community bank underwrites and books commercial credit through the end of 2020 will have a significant impact on the bank’s profits and credit quality through the entire next business cycle.

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Abrigo

AUGUST 6, 2021

How can community financial institutions thrive in 2021? Community banks provide unique and important banking services for their customers, but they also face significant obstacles. Would you like other articles like this in your inbox? Takeaway 2 Community banks are at a crossroads: innovate or be left behind (or acquired).

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Abrigo

FEBRUARY 6, 2025

With the right approach, the rewards may outweigh the risks, creating opportunities for both financial institutions and the communities they serve. This staggering amount presents a lucrative opportunity for banks and credit unions to step in and meet the growing need for banking services while supporting businesses within their communities.

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Abrigo

FEBRUARY 28, 2025

Connect with an expert Common fraud schemes Check fraud Check fraud is one of the most concerning fraud trends for community banks in 2025. These could be held in a local branch lobby, community center, or place of worship. Can your AML/CFT and fraud staff recognize these fraud typologies? Staying on top of fraud is a full-time job.

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Perficient

JANUARY 12, 2021

My first project as an intern was writing an article about employee wellness for Perficient Pulse, the internal magazine shared with colleagues across the globe. SEE MORE: Articles on employee wellness at Perficient. Writing Articles for the Life at Perficient Blog. Writing Stories for the Employee Magazine.

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Abrigo

JULY 16, 2021

Would you like others articles like this in your inbox? Takeaway 2 Regulations haven't been written, but there are steps community financial institutions can take now to prepare. Currently, the accompanying regulations have not been written, so what should community financial institutions take away from these priorities now?

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Perficient

JANUARY 9, 2021

Yammer communities and conversations in Teams. If you’re familiar with the Communities app in Teams, you’ll be happy to hear that you can now search for different Yammer conversations as well as add tabs with Yammer styling in Teams channels. To learn how to use the Migration Manager, check out the docs article here.

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Perficient

JANUARY 25, 2021

In this article, I want to focus in on the specific implications for hospitals and integrated delivery networks. As care becomes unevenly distributed thanks to mega-mergers, healthcare quality gaps will become more evident in communities that are underserved, in both urban and rural areas. Business Model Disruption (Finally).

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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. In future articles, we will consider how community banks should manage their business model in the face of the end of the easy money economy. Conclusion.

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Perficient

FEBRUARY 10, 2021

While the Centers for Disease Control and Prevention(CDC ) recommends healthcare consumers over 65 get vaccinated, few communications have targeted these groups or provided understanding and navigation to how to access the vaccine in their community. How are you reaching them?

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Perficient

JANUARY 28, 2021

This article was co-written by Iman Watson, senior solutions architect, and Kailey Hughes, lead development representative. You can get involved at home, at work, and in your community. See open jobs or join our talent community for career tips, job openings, company updates, and more!

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Perficient

DECEMBER 1, 2020

A patient population mix that is more diverse could mean: A need for more hyper-focused and tailored messaging that considers not just their needs but also how that community likes to be spoken to/with. The Importance of Diverse Healthcare Demographics. Latino/Hispanic consumers. African American consumers. Millennials. LGBTQ+ consumers.

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Perficient

AUGUST 25, 2020

Hiral Shah , lead technical consultant, recently shared her thoughts on advocating for your work with BuiltIn Boston and Laura Kenny , Talent Acquisition Coordinator , wrote about in the article How Perficient Employees Slay Impostor Syndrome , a topic that everyone has the potential to experience. Find Your Support System.

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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. As such, unless a bank thinks a recession lies ahead, the risk/reward profile is likely going to be the best community banks have seen.

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Perficient

AUGUST 14, 2020

Three leading organizations — Salesforce , Perficient , and The Chartis Group — have come together to share bright spots within the healthcare community that can point the way to building the necessary capacity to adapt. We identified Six Key Commitments, and here are the first , second , third , fourth , and fifth articles.

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South State Correspondent

AUGUST 5, 2019

It sometimes pays to be opportunistic in marketing your community bank’s products. There is currently an exceptional market opportunity for community banks to win profitable business from larger competitors. Our bank recently did just that, and in this article, we would like to share this strategy through a case study. .

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Perficient

JULY 2, 2020

Don’t miss out on the first article, New Hires Gain Real-World Experience in the Corporate Onboarding Boot Camp. See open jobs or join our community for career tips, job openings, company updates, and more! This series was written with joy by Grayson Harden , Rebekah Williamson , and Mary Claire Freese.

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Perficient

JUNE 25, 2020

This article was co-written with joy by Grayson Harden , Rebekah Williamson , and Mary Claire Freese. See open jobs or join our community for career tips, job openings, company updates, and more! New Colleagues Reflect on their First Weeks at Perficient. Perficient is thrilled to welcome its Summer Boot Camp Class of 2020!

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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.

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South State Correspondent

AUGUST 28, 2019

Since each bank had about 100 employees, operating profit was about $2mm per community bank. In this article, we look at how this equation has changed and what it means for the future. At the time, the rule of thumb for bankers was that each bank employee produced about $20,000 of operating profit per year.

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Perficient

JULY 8, 2020

Chris McNulty, Sr Technical Product Manager from Microsoft provided the detail in an article about the end of life of SharePoint Workflows published on Monday. The community has not taken the news very well. In fact, just next month you’ll no longer be able to create your SharePoint Designer based workflows in a new tenant.

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Abrigo

DECEMBER 10, 2024

Community engagement: Work with local law enforcement, adult protective services, and community organizations to educate seniors and their families about the risks of elder fraud. Ensure they are well-versed in the specific red flags of elder financial exploitation.

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South State Correspondent

MARCH 19, 2024

In two previous articles ( here and here ) we discussed how loan size and loan term affect the profitability of commercial loans. In this article, we consider the common features of upselling and cross-selling. In this article, we consider the common features of upselling and cross-selling.

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South State Correspondent

MAY 15, 2024

We believe that while lending diversification leads banks to lend more in normal times (especially for banks over $50B in assets) and does benefit the general economy, community banks should be careful in how and where they choose to diversify. Community banks are already diversified within their geography and loan categories.

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South State Correspondent

MAY 15, 2024

We believe that while lending diversification leads banks to lend more in normal times (especially for banks over $50B in assets) and does benefit the general economy, community banks should be careful in how and where they choose to diversify. Community banks are already diversified within their geography and loan categories.

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South State Correspondent

MAY 18, 2022

In two recent articles, we reviewed the banking industry’s deposit behavior with regard to cost of funding earning assets (COF) ( HERE ), and we compared how community banks’ COF behaves relative to national banks in a rising interest rate cycle ( HERE ). Deposit Behavior In This Tightening Cycle Versus Last Three.

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Jack Henry

JANUARY 19, 2021

Many communities, especially in Louisiana, are still in recovery mode from the 2020 hurricane season, and that there’s still a lot of hard work ahead. Our thoughts and well wishes remain with all of those impacted during this very difficult year.

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Perficient

JANUARY 3, 2021

This has been a long-awaited ask from the tech community and has been in the works for quite some time! I hope you have found this article helpful and hope you have a wonderful 2021! Microsoft recently announced the general availability of Microsoft Teams Breakout Rooms!

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Perficient

JULY 8, 2020

Recently, Built In Boston , a well-known online tech community, profiled our own Vice President of People, Andrea Lampert, SPHR, to get her take on how companies can continue to build a culture while working remote that will last for the long-term. You can read the full article here and enjoy her takeaways below. BONUS: Meet Andrea.

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The Financial Brand

NOVEMBER 1, 2024

This article More Community Banks Tap Treasury Management for Non-Interest Income appeared first on The Financial Brand. This article More Community Banks Tap Treasury Management for Non-Interest Income appeared first on The Financial Brand.

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Abrigo

FEBRUARY 12, 2025

In the same way, FIs have consistently leveraged data and technology to solve challenges and serve communities better. Similarly, FIs have consistently leveraged data and technology to solve challenges and serve their communities better. This AI era is no different.

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South State Correspondent

JUNE 5, 2024

The typical published analysis considers the industry in aggregate which conflates the challenges and opportunities at community banks (those under $10B in assets). Second, much of the increase in COF for community banks is the result of shrinking non-interest bearing DDA being replaced with higher cost CDs (see graph below).

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South State Correspondent

JULY 10, 2019

In this article, we highlight the newest data from the Fed and what it might mean for every community bank. However, we would posit that the sentiment is the wrong way to frame the challenge and the rationalization that you don’t have to worry about cash, checks and the payment channel will likely lead you to disaster.

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The Financial Brand

DECEMBER 3, 2024

This article How a $1 Billion Community Bank Outperforms Industry Giants appeared first on The Financial Brand. Webster Five's retail banking chief shares how smaller banks can leverage technology partnerships and community focus to compete effectively with larger institutions.

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