South State Correspondent
APRIL 2, 2025
The recent uncertain shifts in trade policies, particularly increased tariffs on imports from China, Canada, and Mexico, have introduced specific uncertainties for community banks. However, for community banks, these challenges can also present some opportunities.
South State Correspondent
JANUARY 26, 2025
It would make no sense to risk the banks capital without adequate compensation. The yield curve is currently flat, and the average community banks cost of funding is highly correlated to Fed Funds and SOFR (the industrys average is over 90% with a about a 6-month lag). But at SouthState Bank, we use a much simpler solution.
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Jeff For Banks
FEBRUARY 21, 2025
Ten years ago I wrote What's Your Well-Capitalized on these pages. Today, we have not done much about it because we have relied on that lazy space using the regulatory definition of well capitalized. One slide, however, dealt with this very issue of "what's your well-capitalized." Or at least regulatory expectation of it.
PYMNTS
SEPTEMBER 17, 2020
Mastercard said it will invest $500 million in Black communities across the U.S. The new initiative will include “concentrated investments that will focus on providing Black-owned businesses and Black people access to affordable financial tools and capital,” Mastercard said in a news release. This is a time for action.
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Community banks are looking for ways to leverage their technology infrastructure to drive productivity and growth. However, the sheer volume of technology devices, capital constraints, and lack of skilled resources stand in the way. This strategy brief explores how a managed device services partner can help bridge this resource gap.
Abrigo
JULY 30, 2020
Key Takeaways Stress tests and capital planning are vital to financial institutions in volatile times like these, when the coronavirus and pressures on the energy sector result in a financial crisis. Current environment = Challenging stressed capital planning. This has resulted in theoretical assumptions for capital planning.
Abrigo
NOVEMBER 13, 2024
Businesses' working capital cycles are longer. 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. Companies need more working capital, but they’re still paying their suppliers as they should.
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