Community Bank Related Topics 
South State Correspondent
SEPTEMBER 16, 2024
In Q2/24 the average return on assets (ROA) for community banks (under $10B in assets) was 1.08%, with an average ROE of 10.44%. But within the community banking sector, performance varied among banks significantly. The ROA for the community bank sector is shown in the graph below. Another 16.2%
South State Correspondent
NOVEMBER 4, 2024
We are seeing more community banks incorporating prepayment provisions in commercial loans (especially for fixed-rate pricing). Most community banks are utilizing a declining balance prepayment provision – which if properly enforced, can create value for the bank.
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South State Correspondent
JULY 15, 2024
We measured prepayment speeds, loan size, loan term, fee income, loan yield, credit performance, and return on equity (ROE) of hedged loans and compared this performance to community bank industry averages. We also looked at how these hedged loans track community banks’ funding costs.
South State Correspondent
SEPTEMBER 11, 2023
Therefore, the quarterly profile and Chairman Martin Gurenberg’s commentary on the industry are skewed by the performance of larger banks. In this article, we analyze the underlying data for community banks and focus on the Chairman’s view of the future of bank performance.
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Community banks seek 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.
South State Correspondent
JULY 19, 2023
Of the largest 250 banks, 90% are using interest rate swaps, and because these largest 250 banks hold 83% of all loans, interest rate hedging tools are widely used in approximately 75% of the loan marketplace. This is why the current inverted yield curve makes loan hedging especially attractive to community banks.
South State Correspondent
JANUARY 10, 2024
Community banks’ use of swaps (banks’ primary tool to hedge interest rate risk on loans) has increased substantially over the last ten years. Meanwhile, community banks face net interest margin (NIM) and fee income pressure. Only 304 banks (or 6.7% of the total) used swaps directly.
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Treasury teams at community banks face an ongoing challenge of delivering frictionless customer experiences as they support treasury products – especially RDC. This infographic focuses on the efficiencies community banks gain when partnering with a proven managed services provider. Download the infographic today!
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How are some regional banks outperforming their bigger rivals? Digital lending technologies are helping banks make the transition faster so they can compete more effectively. It’s an opportunity that other small and regional banks can learn from, and this guide is the playbook for how to do it.
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This eBook explains the features of a Business Lending Platform that community banks should make their top priorities when evaluating any business lending software. What should you look for in a Business Lending Platform?
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Small and midsized banks are at tremendous risk. Community banks are at risk of losing their core business to the companies innovating in the paytech and lendtech spaces. On the surface, things are going well for community and regional banks and credit unions.
Speaker: Brian Muse-McKenney, Chief Revenue Officer & Matt Simester, Cards and Payments Expert
In this new webinar, Brian Muse-McKenney of Episode Six and Matt Simester of Payments Consultancy Limited will explore the challenges regional and community banks have faced in implementing tailored credit card programs with flexible payment options as a tool to attract and retain the next generation of customers.
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Understanding these attitudes and using them to inform marketing messages enables community banks, regional banks and credit unions to better serve their customers. The experiences of every generation are characterized by their behaviors involving finances.
Speaker: Steve Andrews, President & CEO of the Western Bankers Association
This exclusive webinar will go over the insider information your bank needs for level setting and peering around the corner. Steve will provide actionable insights, best practices, and real-world examples of the changing landscape of community banking. The Cares Act from a banker's perspective. Loan modifications.
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