South State Correspondent

OCTOBER 30, 2024

In our previous article ( here ) we analyzed the data on community bank M&A and performance, and we concluded that there is no relationship between community bank size and profitability, as measured by return on equity (ROE). In this article, we explore a key insight.

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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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ABA Community Banking

APRIL 23, 2020

A new article in the Washington Post yesterday spotlighted the round-the-clock efforts of community banks to make Paycheck Protection Program loans with a largely remote workforce. The post Washington Post Article Spotlights Community Banks’ PPP Efforts appeared first on ABA Banking Journal.

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Washington Community Bank Community Lending 59

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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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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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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The Financial Brand

OCTOBER 14, 2024

This article Chase Amps Up Its Community Banking Push. This article Chase Amps Up Its Community Banking Push. Can Other Brands Compete? appeared first on The Financial Brand. Chase continues to push aggressive branching in its quest to blanket the country. The sheer scale of its ambitions could smother competitors.

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South State Correspondent

NOVEMBER 4, 2024

Over the last few years we have published various articles on the pros and cons of commercial loan prepayment provisions, how those prepay provisions impact marketing and sales, loan prepayment speeds, and the relationship between prepayment provisions and customer return on equity (ROE) (some of the recent articles are here , here , and here ).

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South State Correspondent

SEPTEMBER 30, 2024

In Q2/24 the average return of asset (ROA) for community banks (under $10B in assets) was 1.08%. But within the community banking sector, performance varied among banks significantly and a large swath of banks need to improve ROA. of community banks reported negative ROA. While the average ROA was 1.08%, approximately 5.7%

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The Financial Brand

OCTOBER 28, 2024

This article How This Community Bank Tripled Loan Volume Using Smart Automation appeared first on The Financial Brand. Evans Bank’s journey from manual loan processing to instant decisioning highlights how community banks can modernize lending while maintaining strong risk controls.

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South State Correspondent

DECEMBER 13, 2016

In a previous blog, we described what factors community bank managers might want to consider in analyzing a loan hedging program for their specific needs. In that blog, we listed the pros and cons of using a hedge to control risk and increase profitability.

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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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Community Bank Community Lending Study 195

South State Correspondent

SEPTEMBER 3, 2024

Most community bankers we talk believe they will get a boost to bank performance with declining short-term rates. In this article we will quickly highlight the relationship between NIM and ROA/ROE and look at studies and historical trends of NIM in declining interest rate environments.

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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

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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Community Bank Community Management Marketing 195

Abrigo

SEPTEMBER 22, 2015

Many community banks see this as a welcomed move towards offering smaller institutions some relief from the regulatory pressures of their larger, national counterparts. An article in American Banker noted that preparing call reports have become increasingly time-consuming and complex. Sound is a $500 million institution.

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South State Correspondent

JUNE 25, 2024

In a previous article [ here ] we discussed why community banks need product managers to ensure that financial products and services are effectively developed, launched, and managed to meet customers’ evolving needs and the bank’s risk and profitability goals. Not all customers are the right fit for the product.

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South State Correspondent

OCTOBER 4, 2023

In an article last week ( Here ), we discussed how the higher-for-longer interest rate environment will affect the community bank sector. We argued that community banks must learn to improve performance in a low-growth environment for the foreseeable future. This is especially important when liquidity is scarce, as it is now.

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The Financial Brand

OCTOBER 14, 2024

This article 3 Critical Capabilities to Ensure Community Banks and Credit Unions’ Stake in the Future of Banking appeared first on The Financial Brand. This article 3 Critical Capabilities to Ensure Community Banks and Credit Unions’ Stake in the Future of Banking appeared first on The Financial Brand.

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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. This deposit and loan repricing mismatch caused NIM pressure at community banks.

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Community Bank Community Risk Management Management 195

CFPB Monitor

APRIL 30, 2021

The article calls unfairness “an obvious fit for addressing common types of discriminatory conduct” because in the authors’ view, discriminatory conduct “fits neatly within” the Dodd-Frank Act and FTC definitions of an unfair act or practice.

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Community Regulation 78

The Financial Brand

APRIL 24, 2024

This article Busting Three Myths about Community Banks and Open Banking appeared first on The Financial Brand. This article Busting Three Myths about Community Banks and Open Banking appeared first on The Financial Brand. Are these common misconceptions about open banking putting your bank on the wrong path?

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The Financial Brand

FEBRUARY 28, 2024

This article Unlocking Growth: How Consolidated Analytics Can Empower Community Banks appeared first on The Financial Brand. Former community bank CFO Kim Snyder shares how consolidated analytics can help small institutions transform fragmented data into strategic assets.

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Community Bank Analytics Community Branding 34

South State Correspondent

JULY 10, 2023

This article will review domestic banks’ adoption of interest rate swaps. Next week’s article will consider the challenges and possible solutions for community banks to adopt loan hedging programs. We will delve into this topic in greater detail in a future article. On average, 80.4%

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The Financial Brand

AUGUST 11, 2024

This article Community Banks Are Turning to Streaming Platforms for Advertising. This article Community Banks Are Turning to Streaming Platforms for Advertising. Is Social Media Getting Left Behind? appeared first on The Financial Brand.

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social media Community Bank Community Branding 34

The Financial Brand

SEPTEMBER 15, 2023

This article Designer of ‘Real-Time Payments’ Tackles ‘Chuck’ for Community Banks appeared first on The Financial Brand. Payment Jedi' Peter Davey hopes to take Alloy Labs consortium members where no community bank has gone before. His mission? Launch Chuck.

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Community Bank Community Payments Branding 40

The Financial Brand

APRIL 30, 2024

This article Why Credit Unions Are Buying Community Banks Faster Than Ever appeared first on The Financial Brand. This article Why Credit Unions Are Buying Community Banks Faster Than Ever appeared first on The Financial Brand. More than a quarter of the bank acquisitions in the U.S.

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Community Bank Community Branding Banking Trends 33

South State Correspondent

MARCH 12, 2024

In a previous article ( HERE ), we discussed several factors that drive loan and bank profitability. We covered in detail how and why community banks can increase loan size to improve return on assets (ROA) /return on equity (ROE). Using an average community bank commercial loan, we can graph the relationship between term and ROE.

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Community Bank Community Strategy Study 195

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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Community Bank Community Analysis Industry 195

The Financial Brand

OCTOBER 18, 2023

This article Marketing Emphasis Drives Loan & Deposit Growth for Community Banks: Study appeared first on The Financial Brand. This article Marketing Emphasis Drives Loan & Deposit Growth for Community Banks: Study appeared first on The Financial Brand.

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Community Bank Study Community Marketing 37

Abrigo

OCTOBER 8, 2014

This article is the first in a two-part series on top concerns and growth strategies of community banks. These are all phrases that resonate with community bankers. Community bankers are not keeping these concerns to themselves. Regulatory compliance. Loan growth. Risk management. Source: 2014 Growth Strategy Survey.

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CFPB Monitor

JANUARY 23, 2019

The Federal Reserve Board announced last week that it was launching a new article series, Consumer & Community Context , that features original analysis about the financial conditions and experiences of consumers and communities, including traditionally underserved and economically vulnerable households and neighborhoods.

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Community Metro Millennials Analysis 60

The Financial Brand

JANUARY 17, 2024

This article How a Texas Bank Anchors its Brand in Local Communities appeared first on The Financial Brand. This article How a Texas Bank Anchors its Brand in Local Communities appeared first on The Financial Brand.

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The Financial Brand

OCTOBER 4, 2023

This article Community Banks & Credit Unions Revive Personal Lending with Fintech Help appeared first on The Financial Brand. Offering unsecured personal loans and point-of-sale financing is uncommon for community banks and credit unions, but a fintech partnership is making it possible for a growing number of them.

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The Financial Brand

MARCH 5, 2024

This article Influencer Marketing: Is the ROI Worth it for Community Banks? Big banks have already tested the waters when it comes to advertising with influencers — but there's a few considerations community banks should make before diving in. This article Influencer Marketing: Is the ROI Worth it for Community Banks?

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Community Bank Community Marketing Branding 31

Abrigo

DECEMBER 22, 2023

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. 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.

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