Abrigo

FEBRUARY 27, 2020

Key Takeaways Financial institutions who want to maintain a healthy share of business lending this year and through potentially tougher economic times ahead want to be in the best position possible before trouble hits. Abrigo's Business Lending Readiness Survey found many processes stymie those efforts. learn more.

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Lending Survey Data System 243

Independent Banker

AUGUST 31, 2021

This year’s winners: Left: Central Valley Community Bank, People’s Choice Award; Middle: Kennebec Savings Bank, Exceptional Community Bank Service Award; Right: Cross River Bank, Emerging Service Program Award. Exceptional Community Bank Service Award. Kennebec Savings Bank.

Community Bank 196

Community Bank Community National Fresno 196

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

Independent Banker

JANUARY 31, 2022

Ken Finley, president of Johnson City Bank, in downtown Johnson City with Shannon Sultemeier, executive vice president (left); and Brenda Haynes, vice president/cashier (right). Here’s how four community banks are thriving in this environment. These include family-owned businesses, community businesses and operating companies.

Texas 182

Texas San Antonio Community Bank Community 182

Abrigo

NOVEMBER 3, 2016

Some of the most pressing challenges facing community banks and credit unions in the current banking environment include narrow interest rate margins, increasing pressure from regulators, and competition with “too-big-to-fail” mega-banks.

Community Bank 150

Community Bank Community Lending Risk Management 150

Abrigo

JUNE 28, 2024

Takeaway 2 Abrigo advisory expert Susan Sharbel offers insights into where your bank should focus its resources to manage interest rate risk, Takeaway 3 Practical steps for preparing your ALM program for rate changes include updating and validating risk models regularly, conducting tests, and reviewing portfolios.

Community Bank 195

Community Bank Strategy Community Management 195

South State Correspondent

NOVEMBER 2, 2022

This has caused more of a yield curve inversion and is a prime opportunity for community banks to use a loan hedging program to offer fixed-rate loans for 20 years. This is how you take advantage of a yield curve inversion to increase the profitability of your customers while doing the same for the bank.

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Lending Community Bank Community Meeting 195

Independent Banker

APRIL 30, 2022

Independent Banker’s annual listing top-performing community banks of 2021 alongside interviews with some of the winners. In true community bank fashion, each has its own story to tell and its own path to success. In true community bank fashion, each has its own story to tell and its own path to success.

Community Bank 172

Community Bank Community Montana Taxes 172

Bank Innovation

JULY 19, 2018

Digital lending is becoming an important business even for smaller community banks. Larger banks, which have the resources to build their own technology or buy a fintech provider (KeyBank acquired Bolstr; JPMorgan Chase acquired WePay).

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Lending Community Bank Resources Community 186

Abrigo

JULY 23, 2015

According to the Sageworks 2015 Bank and Credit Union Exam Survey , more than 40 percent of the 180 responding institutions had already begun stress testing, and it was recommended to 30 percent that they begin stress testing or expand current stress test practices. Understand your portfolio and its risk factors. Ensure proper data.

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Community Bank Community Data Resources 150

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.

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Lending St. Louis Community Marketing 195

Abrigo

SEPTEMBER 16, 2019

Community bankers are largely positive about the future, based on the first results of a new index gauging business sentiment among the financial professionals who serve a critical role in local economies. How do you expect the regulatory burden on your bank to change over the next 12 months? Grow your loan portfolio. Learn More.

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Community Bank Community Policies Survey 150

South State Correspondent

FEBRUARY 27, 2022

At SouthState, we use a program called ARC (Assumable Rate Conversion) that allows borrowers to pay a fixed rate of interest for as long as 20 years, but the bank retains a floating rate asset. Current Risk in Term Lending. ARC is custom designed to allow community banks to compete anywhere on the yield curve.

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Lending Community Bank Community Meeting 195

PYMNTS

JANUARY 9, 2018

With big banks pulling back from small and medium-sized business (SMB) lending in the wake of the global financial crisis, the market was ripe for someone else to fill the credit gap. Community banks approved 49 percent of SMB loan applications in November, according to the latest data from the Biz2Credit Small Business Lending Index.

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Community Bank Community Fintech Lending 131

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). Banks typically approve credits above 1.20x DSCR and below 75% LTV – with many loan-specific factors that may skew these acceptable levels.

Lending 195

Lending Community Bank Community National 195

Abrigo

NOVEMBER 13, 2024

Businesses' working capital cycles are longer. Bank and credit union leaders can use data to inform small business lending Small businesses are showing resilience. Companies need more working capital, but they’re still paying their suppliers as they should. Leveraged has improved since 2019. Nearly all U.S.

Lending 221

Lending Meeting Data Risk Management 221

South State Correspondent

DECEMBER 5, 2023

Commercial bankers are trusted advisors and have a unique opportunity to understand their client’s specific financial and personal situations, explain the basic concepts of capital markets, and offer prudent and objective advice to help customers reach their goals. The graph below shows the lending curve from one month to 20 years.

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Lending Marketing Capital Community Bank 195

Abrigo

JANUARY 22, 2015

According to a recent survey from four Federal Reserve Banks, small regional and community banks have the highest approval rate for small business loans. The 2014 Small Business Credit Survey was a joint operation conducted by the Federal Reserve Banks of New York, Atlanta, Cleveland and Philadelphia.

Community Bank 150

Community Bank Community Regional Cleveland 150

Independent Banker

APRIL 30, 2022

Loan providers share an infectious enthusiasm and growing optimism for one vertical’s prospects in 2022: commercial lending. Here’s how community bankers can take advantage of various sectors—including SBA lending—over the next 12 months. First Business Bank in Madison, Wis., billion asset community bank.

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Lending Community St. Louis Community Bank 158

Jeff For Banks

OCTOBER 14, 2024

Community banking has almost achieved Kleenex or Xerox fame, being generalized to the point of meaninglessness. PNC ($557 billion in total assets) calls itself a "Main Street Bank." We have not done a good job explaining what a community bank is. They called community banks. Less safe and secure.

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Community Bank Community Capital Lending 100

South State Correspondent

JANUARY 6, 2015

For many community banks, a concentration in real estate lending may be an issue. This is especially concerning given the recent decrease in capitalization (cap) rates across many geographies and property classes.

Lending 150

Lending Risk Management Community Bank Community 150

Independent Banker

NOVEMBER 30, 2022

.; Bank of Montana, Missoula, Mont.; CNB Bank, Berkeley Springs, W.Va.; Midwest Bank, Norfolk, Neb. In our annual workplace survey, employees of ICBA’s best community banks to work for told us they benefit from engaging cultures, opportunities for advancement and innovative benefits. Tom Swenson, Bank of Montana.

Community Bank 169

Community Bank Community Montana Leadership 169

Abrigo

FEBRUARY 12, 2020

Key Takeaways Commercial real estate lending will be a top focus for many financial institutions in 2020. Nearly half of survey respondents (48%) said CRE would have the top focus for growth in their banks’ loan portfolios. CRE Lending. Lending & Credit Risk. Lending & Credit Risk. Learn more. Learn More.

Lending 195

Lending Trends FDIC Survey 195

PYMNTS

JANUARY 31, 2019

is set to see its first new community bank in decades, as the Federal Deposit Insurance Corporation (FDIC) lent its approval for MOXY Bank to launch in Washington, D.C. With clearance to move forward with its plans, the community banking landscape will see its first new industry player in years.

Community Bank 122

Community Bank Community FDIC Marketing 122

Abrigo

NOVEMBER 6, 2019

Small Business Loans | 5 minute read Key Takeaways Credit unions' small business loans hit a record low, while small business lending continues to remain strong at big banks and community banks. Going digital can help reduce the cost of small business lending and capture more member business loans.

Lending 150

Lending How To Community Community Bank 150

Independent Banker

DECEMBER 31, 2021

Independent Banker ’s annual Community Bank CEO Outlook survey reveals how community bank leaders plan to leverage today’s deposit-laden banking environment to grow this year. Janet Silveria, Community Bank of Santa Maria. So, what’s at the top of community bank leaders’ to-do lists?

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Community Bank Community Lending Louisiana 144

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

PYMNTS

JANUARY 6, 2020

Community banks are pushing for a stronger role with their small business (SMB) customers. However, through an embrace of FinTech collaboration and industry consolidation, community banks appear poised to further dispel assumptions of a lack of digitization. A Consolidating Industry. Strengthening SMB Ties.

Community Bank 123

Community Bank Community Payments Fintech 123

Independent Banker

JANUARY 31, 2022

These community banks are working to fix that through microlending programs. Now, some community banks are launching microlending programs to redress the balance. Although the surge in PPP lending highlighted a need for loans among underserved borrowers, it also has led to some creative solutions.

Lending 150

Lending Community Community Bank Compliance 150

Abrigo

FEBRUARY 16, 2016

Financial institutions considering lending to nonprofits may want to be aware of these recent financial trends, as well as some of the ways lending to these organizations might differ from lending to for-profit businesses. Here are two mistakes to avoid when lending to nonprofits , according to the firm: 1.

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Analysis Lending Community Bank Community 150

PYMNTS

NOVEMBER 17, 2017

Think of banking and you might think of lending and deposits, where firms make money on the spread between what they pay savers and what they take in from borrowers. But banks cannot live on interest alone. Additional financial products and services must round out traditional banking activities.

Community Bank 115

Community Bank Community Cards Lending 115

PYMNTS

MARCH 12, 2020

But the latest initiatives reveal a growing interest in transforming internal processes, particularly among smaller banks looking to upgrade their core infrastructure and elevate small business lending operations. Yes Bank Woes See API Disruption. FirstBank Taps Finxact for Core Infrastructure. Yet maturation is low.

Lending 194

Lending Risk Management Fintech Community 194

South State Correspondent

APRIL 30, 2024

An inverted yield curve, continued bank failures, and the desire to manage risk and offer clients higher service are all factors that are driving more community banks to adopt a loan hedge program. Community banks do this profitably by turning transactional accounts into relationships.

Community Bank 195

Community Bank FDIC Community National 195

South State Correspondent

APRIL 30, 2024

An inverted yield curve, continued bank failures, and the desire to manage risk and offer clients higher service are all factors that are driving more community banks to adopt a loan hedge program. Community banks do this profitably by turning transactional accounts into relationships.

Community Bank 195

Community Bank FDIC Community National 195

South State Correspondent

AUGUST 19, 2024

That is exactly what is happening in the community bank industry. Unfortunately, bank managers often give their lenders misguided loan compensation, resulting in suboptimal outcomes. We’ll explain why we believe this is occurring and ways that community banks can reverse this trend.

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Community Bank Community Analysis Capital 195

South State Correspondent

MAY 23, 2022

Customers and competitors are challenging community banks to extend loan duration – borrowers are eager to lock fixed rates before they rise further, and many competitors are happy to oblige. But what are the optimal fixed terms for community banks given today’s interest rate, credit, and liquidity environment?

Lending 195

Lending Community Bank Community Capital 195

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. Another 16.2%

Community Bank 195

Community Bank Community National Regional 195