Independent Banker

MARCH 31, 2022

Executive committee members tell us what advocacy issues they’ll be focused on during their terms, while board members share their words of wisdom for up-and-coming community bankers: themselves. To sum it up, these leaders are all in and all heart for community banking. We are not Wall Street banks—we are community banks.

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Community Bank Community Industry Texas 239

Abrigo

MAY 5, 2022

Podcasts for Bank & Credit Union Execs & Staff Are Plentiful; Here Are 10 Good Ones These banking podcasts discuss current events, strategic and policy issues, competition, digitalization advice, and more. Main Street Banking: A Podcast for Community Bankers 8. And all release a new episode at least monthly. NextGen Banker 10.

Community 195

Community Lending Maine Resources 195

PYMNTS

DECEMBER 9, 2019

Macy’s is partnering with the female-led millennial venture capital fund SoGal Ventures to launch an in-store initiative focused on women-owned businesses, Macy’s said in a press release on Thursday (Dec. The SoGifted shops feature products and gifts from women-founded enterprises in the SoGal community. 14 at 6:30 p.m.

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Las Vegas San Antonio New York City Detroit 136

South State Correspondent

OCTOBER 26, 2023

Our Top 10 Insights From Money 20/20 From these sessions and announcements, we pulled out ten of our most important takeaways, each having an impact on bank operations in the coming year. Money 20/20 cocktail parties started at noon, and events from sponsored race car driving to helicopter tours were common.

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Conference Las Vegas Fraud Data 221

PYMNTS

JANUARY 15, 2019

Visa said Monday evening at a New York gathering in anticipation of the launch that events through a year-long campaign will include interactive workshops, tailored on a community-by-community basis. 30 kickoff in Atlanta will include access to experts from Visa and entrepreneurs operating both nationally and globally.

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Atlanta New York social media Community 189

PYMNTS

SEPTEMBER 30, 2020

House committee this week began reviewing the idea of allowing the likes of Amazon or Facebook to receive charters to operate as banks — an idea that’s already gotten plenty of pushback from traditional financial institutions (FIs).

Regulation 349

Regulation National System Industry 349

Abrigo

NOVEMBER 17, 2023

The Federal Bureau of Investigations (FBI) reports that natural disaster has historically brought fraudsters out of the woodwork, pouncing on a pool of vulnerable victims: the more catastrophic the event, the more active the fraudsters. These costs are necessary and ongoing, forming a crucial barrier against fraud scams.

Fraud 195

Fraud Training Trends Compliance 195

Abrigo

JULY 27, 2023

Using regtech in banking With new federal regulatory and compliance challenges like the CFPB rule on the horizon, more and more community financial institutions are exploring regtech in banking and finance. What is regtech? Its capabilities and adaptability provide significant cost savings and improved efficiency.

Technology 195

Technology Fraud Compliance Regulation 195

Abrigo

JULY 27, 2023

Using regtech in banking With new federal regulatory and compliance challenges like the CFPB rule on the horizon, more and more community financial institutions are exploring regtech for banks to enhance their processes. What is regtech? Its capabilities and adaptability provide significant cost savings and improved efficiency.

Technology 195

Technology Fraud Compliance Regulation 195

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. This reflects a larger industry trend. For many, commercial real estate lending may be the ticket.

Community Bank 150

Community Bank Handbook Lending Risk Management 150

Celent Banking

MARCH 6, 2015

Next week I will be moderating a panel discussion at American Banker´s Retail Banking Conference in Austin about the competitive pressures of community institutions. It’s an important topic that Celent discussed in a report published last year: And Then There Were None: The Disappearance of Community Banks.

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Conference Retail Community Austin 100

PYMNTS

DECEMBER 7, 2020

operations to PNC Bank , creating the fifth-largest regional player in the U.S. Firms with strong balance sheets, he said, have been in a position of strength to capitalize on select opportunities. Through the summer of this year, deal making was down 70 percent from a year earlier to 40 transactions.

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Google Examples Regional Lending 282

Independent Banker

APRIL 30, 2022

During the pandemic, many community banks needed to change how they operated. It can clarify roles and responsibilities, encourage timely communication and help community banks operate more efficiently. When the pandemic hit in early 2020, mitigating risk took on a whole new meaning for community banks.

Oregon 91

Oregon Community Bank Community Meeting 91

South State Correspondent

AUGUST 10, 2023

Real-time Processing & Speed: A good modern core will have an “event-driven” architecture allowing messages to be processed at any time, including in real-time. An “event” can be a payment, an internal balance adjustment, or a name change on an account. A typical community bank may pay $1.5M

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System Examples Operations Data 195

Independent Banker

OCTOBER 1, 2022

An event at EMS in June brought together (L–R) Clear Mountain Bank president/CEO Dave Thomas, ICBA president Rebeca Romero Rainey, FHLBank Pittsburgh president/CEO Winthrop Watson, and Tim Critchfield, EMS owner/president. The SBA West Virginia District Office named it the West Virginia Community Lender of the Year for 2021.

West Virginia 91

West Virginia Virginia Community Bank Community 91

Independent Banker

OCTOBER 31, 2021

The CARES Act extended the CECL implementation deadline for many larger community banks until the end of the COVID-19 pandemic. Community bankers tell us that while the extension is welcome, they’re already down the road to implementation. ICBA tells FASB CECL isn’t feasible for community banks. By Stephanie Vozza. April 2011.

Community Bank 91

Community Bank Community Software New York City 91

Abrigo

FEBRUARY 10, 2021

“It’s important to know the long-term pros and cons, and the unintended consequences so that everyone walks away educated not only on what these opportunities bring, but also on what the impacts could be on the operation and long-term land values,” he says. Diversification through renewable energy.

Lending 195

Lending West Virginia Resources Operations 195

Abrigo

JANUARY 11, 2022

The series, "ALM 101: Introduction to Asset/Liability Management," will explore topics like capital planning , interest rate risk, and others that highlight how ALM is an ongoing, useful process for banks and credit unions rather than simply a “check the box” report required by regulators. keep me informed. Watch Webinar.

Management 195

Management Meeting Capital Strategy 195

Gonzobanker

FEBRUARY 8, 2022

Maybe instead of Acquire or Be Acquired, this conference should be called Evolve or Be Acquired,” observed Eric Sprink, CEO of Coastal Community Bank in Everett, Wash., The grassroots of community and regional banking will no longer be vanilla operations geographically focused. price/book multiple.

Fintech 162

Fintech Customer Experience Conference Technology 162

PYMNTS

MARCH 27, 2020

Bruce Thorn, president and CEO of Big Lots, stated , “We want to serve our communities as long as possible during these uncertain times, but not at the risk of health and safety. We are postponing our Friends & Family event in April, which typically produces large crowds in our stores, and focusing on getting through this crisis.

Retail 130

Retail Capital Groups Community 130

Perficient

NOVEMBER 21, 2023

Describe a typical day in the life. Perficient, though not new to insurance, is consistently realigning to capitalize on the industry’s digital transformation potential. In my role as our Insurance Principal within our Financial Services business unit, I spearhead our strategy and delivery efforts in insurance.

Industry 221

Industry Meeting Conference Maine 221

Jeff For Banks

DECEMBER 28, 2023

I work for The Kafafian Group, a community bank consulting firm based in Bethlehem, Pennsylvania. Many of my readers might not know what my firm does, so I want to dedicate this post to the problems we help community bankers solve. We guide your institution into creating an operating plan, or the "how" to strategy execution.

Groups 84

Groups Capital US Community 84

Abrigo

APRIL 15, 2022

ALM & Measuring Liquidity Risk at Banks and Credit Unions Regulatory agencies expect financial institutions to manage liquidity risk using processes and systems commensurate with the complexity, risk profile, and scope of operations. What events could jeopardize our operational liquidity? Defining Liquidity.

Management 195

Management Meeting Risk Management Operations 195

PYMNTS

AUGUST 23, 2018

Bungalow also helps to create a sense of community through exclusive social events and volunteer opportunities so residents can get to know each other. “My Since its launch, the company has operated in the Bay Area, Los Angeles, New York, San Diego and Seattle. My co-founder and I felt the pain of renting in a new city.

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San Diego Los Angeles Security Portland 100

PYMNTS

OCTOBER 15, 2018

Marx Realty and Benenson Capital, the owners of the Cross County Shopping Center in New York, however, told the paper that they are not concerned about the loss of Sears. The mall has brought in new restaurants, such as Jamba Juice and Shake Shack, and has engaged the community through events like a Fourth of July fireworks show.

Las Vegas 179

Las Vegas Retail Chicago New York 179

South State Correspondent

MARCH 16, 2022

If banking had an Olympics, creating loan value would be an event. Many community banks will market their fixed rate loans based on the simplicity of the prepayment provision, and this starts by understanding the value that each provision creates. Step 1: There is No Prepayment Penalty on the Loan. Alternatively.

How To 195

How To Community Bank Community National 195

Gonzobanker

JULY 10, 2020

Regardless of their viewpoints on capital recovery, now is the time for banking leaders to reevaluate their planning strategies. In a recent Fortune survey, 55% of corporate executives said they expect to return to 2019 capital spending levels sometime in 2021. Conduct event-driven scenario planning based on multiple scenarios.

Risk Management 88

Risk Management Capital Strategy social media 88

Abrigo

OCTOBER 23, 2015

How does a negative change in capitalization rates on multi-family or non-owner occupied commercial real estate impact net operating income for our borrowers?” Are we effectively monitoring concentrations, and how does a negative event in any one industry or vertical impact the asset quality of our entire loan portfolio?”

Capital 150

Capital Analysis Examples Risk Management 150

Independent Banker

JANUARY 31, 2022

Here’s how four community banks are thriving in this environment. Clearly, community banks in the region have plenty of opportunities to do what they do best: forge deep and lasting relationships with their customers and communities. These include family-owned businesses, community businesses and operating companies.

Texas 182

Texas San Antonio Community Bank Community 182

Independent Banker

MAY 2, 2016

Community First Bank & Trust. Community First Bank & Trust had an extraordinary 2015. The largest component of Community First Bank’s earnings in 2015 was a reversal of a $10.6 That was a substantial event for the bank, but it was also the capstone of other efforts that came to fruition during 2015.

Community 70

Community Capital Taxes Management 70

PopularBank

OCTOBER 13, 2020

NWK FAM Fund aims to drive economic wealth among Black and Latinx populations in Newark by leveraging invested capital, public subsidies and public assets to enhance the value of Black and Latinx-focused small businesses and real estate development. We remain committed to serving our customers, communities and partners throughout New Jersey.

New Jersey 52

New Jersey Community NJ New York 52

Jeff For Banks

JULY 5, 2022

They are/were the business owners, demanders of capital and loans, and significant depositors. And a branch, on average, cost about 1% of deposits in direct operating expenses. And oh by the way, it cost another 1% to support the operating expenses of support functions back at headquarters. I'm bullish on community banking.

Millennials 78

Millennials Community Pennsylvania Meeting 78

PYMNTS

MARCH 24, 2017

Here is an excerpt of the conversation: PYMNTS: Can you describe your personal and professional experience with the tech community in Chicago? As a company, Occly is closely involved with the Chicago tech community. Given that we’re not working out of an accelerator or incubator, it’s important to attend industry and community events.

Chicago 114

Chicago United States Community Illinois 114

South State Correspondent

JUNE 13, 2023

When interest rates rise, lenders struggle to manage revenue and economic capital; when rates fall, borrowers can commonly refinance the debt at lower rates. Lenders must point out that the correct context for comparing financing costs excludes black swan events such as the great financial recession and the pandemic.

Marketing 195

Marketing Examples Capital Management 195

PYMNTS

OCTOBER 30, 2018

“With risk rising at an alarming rate, small businesses must prepare themselves to not only keep attackers at bay, but also to respond effectively in the event of a disaster,” said QuickBridge President Ben Gold in a statement announcing the white paper, “Cybersecurity and Small Businesses: Are You Protecting Your Customers? .

Training 184

Training Data Virginia Resources 184

PYMNTS

DECEMBER 4, 2019

“Cash flow is critical for businesses of all sizes, but especially for small businesses, because they struggle to have access to capital, and they also struggle to build and maintain cash reserves,” she told Webster. “So At some point, earlier access to capital will become table stakes. “We

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Study Capital Examples Payments 166

PYMNTS

FEBRUARY 28, 2017

In presentation materials to the investment community released by JPMorgan, the bank said that returns on common equity — a yardstick for eventual returns on costs incurred, from staffing to technology — will be 15 percent. percent, in line with prior projections with a net charge-off rate of about 300 to 325 basis points. million tally.

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Community Community Bank Cards Technology 100