Abrigo

OCTOBER 27, 2014

While Q3 reports will trickle in over the coming days to meet the end of October deadline, a crucial piece of the puzzle the financial community and economists will be looking at is loan growth rates. bank and credit union, on total loan growth quarter over quarter paint a picture of the state of bank lending leading up to the third quarter.

Lending 247

Lending Report Trends Community 247

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.

Lending 221

Lending Risk Management Community Management 221

Abrigo

FEBRUARY 25, 2025

Automating the key steps that often occur in the back office leads to faster decisions, stronger customer or member relationships, and more profitable lending to small businesses. This article covers these key topics: Cultivating fertile ground for small business lending Do large lenders have an advantage in small business lending?

Lending 195

Lending FDIC Policies Analysis 195

Abrigo

APRIL 22, 2024

Recent dynamics of the small business lending market A deep understanding of the small business lending landscape and potential efficiencies can help banks and credit unions grow their portfolios. You might also like this guide for smarter, faster small business lending. Record new business formation and a wider gap between U.S.

Lending 243

Lending St. Louis Community Marketing 243

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.

Lending 195

Lending Management Community Bank Community 195

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.

Community Bank 150

Community Bank Community Lending 150

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).

Community Bank 195

Community Bank Community Kansas City Lending 195

Abrigo

OCTOBER 9, 2014

This article is the second in a two-part series on top concerns and growth strategies of community banks. banks are moving back into commercial real estate (CRE) lending as the economy continues to improve. Additionally, 57 percent indicated commercial and industrial (C&I) lending as an area of opportunity for growth.

Community Bank 236

Community Bank Strategy Community Survey 236

Abrigo

AUGUST 25, 2021

Takeaway 2 A consumer loan origination system can help FIs offer a fully digital retail lending experience. How can FIs overcome retail lending challenges? In today's competitive – and increasingly digital – consumer lending environment, financial institutions will need to find ways to adapt to changing customer expectations.

Lending 195

Lending System Community Retail 195

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.

Community Bank 195

Community Bank Community FDIC Industry 195

South State Correspondent

JULY 19, 2023

Our previous article discussed how the banking industry is taking advantage of interest rate swaps to offer borrowers lower rates, allowing banks to earn higher yields, generate substantial fee income, and protect deposit relationships. The market expects deposit betas to increase through 2023 and 2024.

Community Bank 195

Community Bank Community Compliance Marketing 195

South State Correspondent

FEBRUARY 20, 2023

Community bankers need to understand their competitive landscape. Who the competition is, what the lending competition is offering, their delivery channels, and service levels can help community banks differentiate their services and enhance their competitive advantage.

National 195

National Lending How To Community Bank 195

Abrigo

FEBRUARY 23, 2022

Loan Decisioning Allows Small Business Lending to Grow Community financial institutions can leverage automated loan underwriting to increase small business lending and achieve consistency. . Would you like other articles like this in your inbox? Small business lending is a focus. Market Trend.

Lending 195

Lending Community Bank Community Analysis 195

Abrigo

MAY 22, 2024

Recent stats and dynamics of the small business lending market Understanding the small business lending landscape and potential efficiencies can help banks and credit unions grow their portfolios. You might also like this guide for smarter, faster small business lending. Record new business formation and a wider gap between U.S.

Lending 195

Lending St. Louis Community Marketing 195

Abrigo

JULY 20, 2024

Ready to catch the next wave of lending growth? Commercial and industrial lending (C&I) will be the next big performance driver for banks and credit unions. You might also like this paper on how institutions can produce smarter, faster lending. C&I lending will be the next “bomb.”

Lending 195

Lending Risk Management Management Capital 195

South State Correspondent

FEBRUARY 28, 2023

Many community banks today are willing to underwrite real estate secured loans on just two metrics: debt-service-coverage ratio (DSCR) and loan-to-appraised value (LTV). We will consider the minimal project DSCR in this article and cover the debt yield topic in future blogs.

Lending 195

Lending Community Bank Community National 195

Abrigo

OCTOBER 1, 2014

Today’s youth and others across all age groups are placing a significant importance on consuming local food, developing local relationships and improving local communities. This is great news for community banks. A recent American Banker article discussed why the local food movement is good for community banking.

Community Bank 170

Community Bank Community Capital Lending 170

Abrigo

DECEMBER 31, 2019

Key Takeaways The most popular blog posts on the Abrigo site reflect many of the priorities community banks and credit unions had in 2019. The top lending and credit blog posts focused on improving loan pricing, creating a better experience for borrowers, and developing risk ratings. Popular articles about credit, lending.

Lending 150

Lending Community Bank Software System 150

South State Correspondent

FEBRUARY 27, 2022

In our article last week ( HERE ), we discussed how the yield curve is currently flat between the three and 20-year points. Current Risk in Term Lending. While community banks may want the ability to offer longer-term fixed-rate loans, the interest rate risk is too significant for most banks’ balance sheets. Why ARC Makes Sense.

Lending 195

Lending Community Bank Community Meeting 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. 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.

Trends 195

Trends Community Bank Capital Industry 195

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. The Fed Hike and Current DOT Plot.

Community Bank 359

Community Bank Policies Community Marketing 359

Abrigo

JULY 20, 2021

From leveraging PPP technology to building relationships, reasons for boosting SBA lending are numerous. . Would you like others articles like this in your inbox? Takeaway 1 SBA lending can expand your product offerings to help win deals with prospects and existing business customers or members. Why SBA Lending?

Lending 195

Lending FDIC Capital Risk Management 195

Abrigo

MAY 15, 2020

As expected, bad actors are surfacing, and financial crimes divisions of community financial institutions are struggling with the realization that loans rushed through may be fraudulent. This is welcomed news for community financial institutions. Kylee Wooten, content and media relations manager, contributed to this article. .

Lending 195

Lending Rhode Island Fraud Los Angeles 195

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?

Community 195

Community Regulation Training Policies 195

South State Correspondent

MAY 15, 2024

The thinking is that diversification-induced lending leads to banking resiliency. 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 Bank 195

Community Bank Community Lending Study 195

South State Correspondent

MAY 15, 2024

The thinking is that diversification-induced lending leads to banking resiliency. 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 Bank 195

Community Bank Community Lending Study 195

Abrigo

JULY 2, 2019

The following article is based on the whitepaper, The Ag Lender’s Survival Guide by Rob Newberry, SVP of Credit Risk Services at Abrigo. If that trend continues, operating costs will begin outpacing revenue for many farms, and demand for ag financing will grow for community financial institutions. Pay strategies. Current ratio.

Lending 150

Lending How To Strategy Trends 150

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%

Community Bank 195

Community Bank Community Tools Management 195

South State Correspondent

MARCH 17, 2025

The results are surprising and should be considered by every community bank executive. Our Loan Life Analysis First, we want to establish a common finding in commercial loan lending. We wish to point out that the average community banks commercial loan is approximately $250k to $600k in size, depending on the bank and product mix.

Community Bank 195

Community Bank Analysis Community Lending 195

Gonzobanker

MAY 31, 2019

Financial institutions that want to play in the small business lending sandbox need to bring their digital toys. article , former Small Business Administration administrator Karen Mills said community banks with strong small business customer bases that don’t find new ways to serve them digitally are going to face a “reckoning.”

Lending 121

Lending Community Bank Community Data 121

Abrigo

NOVEMBER 18, 2016

In a survey of community banks and credit unions at the 2016 Sageworks Risk Management Summit, 42 percent of respondents said Commercial Real Estate, or CRE, lending was their primary focus for loan portfolio growth. For many, commercial real estate lending may be the ticket. This reflects a larger industry trend.

Community Bank 150

Community Bank Handbook Lending Risk Management 150

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.

Community Bank 30

Community Bank Community Branding Lending 30

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%

Community Bank 195

Community Bank Community National Regional 195

Independent Banker

JULY 31, 2022

The Social Bankers, a collective of community bank marketers, offers inspiration, information and professional development advice to community bankers focused on marketing and social media. Membership is open to non-competing community bankers throughout the United States. Illustration by miakievy/iStock. By Julie Kendrick.

social media 224

social media Trends Community Groups 224

Abrigo

MARCH 24, 2021

Would you like others articles like this in your inbox? The top banking challenges in 2021 are growing loans and earnings, according to Independent Banker’s recent 2021 Community Bank CEO Outlook survey. Technology sets up future lending success. Here's what they're doing. Pandemic-Induced Transformations.

Lending 221

Lending Technology Survey Examples 221

South State Correspondent

AUGUST 21, 2023

However, that publication, directly and indirectly, identified three discrete risks affecting community banks. We will outline what we think community bankers should glean from this publication. Risks to the Community Banking Sector Moody’s identified three risks to the banking sector, including risks to community banks.

Community Bank 195

Community Bank Community Capital Analysis 195

Abrigo

OCTOBER 23, 2014

CEIS Review , a New York-based bank consulting firm, highlights the shift in a recent article. Community banks certainly want to remain conservative with risks and follow regulations. This can be accomplished via a third-party, or an appropriate organizational structure that features personnel independent of the lending function.

Risk Management 186

Risk Management Management Lending Resources 186