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

Jeff For Banks

JANUARY 14, 2021

In June of 2008 I gave a speech titled "The Death of the Community Bank" and in that speech I made predictions. Prediction: The General Bank will become extinct. Much like competitors nip at community banks' customers. Eighteen percent of that group opened an account at a digital bank. Result: Mixed.

Community Bank 130

Community Bank Community FDIC Strategy 130

South State Correspondent

JUNE 11, 2024

FDIC-insured “Problem Banks” list has been increasing over the past two years. For the community banking industry (banks under $10B in assets), this is particularly troubling as the number of community banks earning negative return on equity (ROE) spiked to 237 institutions in Q1/24, or 5.71% of all community banks.

Community Bank 221

Community Bank Community Analysis Capital 221

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

Jeff For Banks

MAY 30, 2024

trillion in domestic deposits, according to the FDIC's Statistics at a Glance. As far as community banks, I look to data gleaned from all of the banks where my firm does profitability outsourcing because we have a level of granularity that the FDIC and most readers do not have. A relationship is built on trust.

Strategy 102

Strategy St. Louis FDIC Retail 102

South State Correspondent

AUGUST 21, 2022

Last week we wrote about loan-level vs. balance sheet hedging for community banks and provided our loan proposal generator ( HERE ). We compared and contrasted the two strategies and sized the market for community banks. We also shared a table that summarized the two strategies.

How To 195

How To Community Bank Community FDIC 195

Independent Banker

MARCH 31, 2022

A secure, open-loop, cost-saving, customer-accessible, multiplatform P2P payments network might sound too good to be true, but community bank consortium Alloy Labs Alliance hopes to achieve just that with the CHUCK payment rail. Julieann Thurlow, CEO of $730 million-asset Reading Cooperative Bank in Reading, Mass.,

Community Bank 91

Community Bank Community Payments Meeting 91

CFPB Monitor

AUGUST 31, 2021

The OCC, FDIC, and Federal Reserve Board have issued a guide that is intended to assist community banks in conducting due diligence when considering relationships with financial technology (fintech) companies (Guide). Banks are instructed to reference relevant guidance from the agencies that is listed in a footnote.

Community Bank 78

Community Bank Community Fintech Company 78

BankInovation

OCTOBER 1, 2020

The Federal Deposit Insurance Corporation (FDIC) has taken steps to promote fintech partnerships and diversity and inclusion within the financial services industry, both internally at the FDIC and among the institutions it regulates, FDIC Chairwoman Jelena McWilliams said during the LendIt Fintech USA 2020 conference Wednesday.

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FDIC Fintech Innovation Conference 98

Abrigo

NOVEMBER 29, 2021

Takeaway 3 Community banks have seen less volatility in noninterest income, and many are still eyeing growth across the category. Community banks target growth. Community banks have seen less volatility in noninterest income over time. Types of Noninterest Income. An important source of revenue.

Community Bank 195

Community Bank Community FDIC Trends 195

South State Correspondent

APRIL 30, 2022

In this article, we analyze the industry’s cost of funding earning assets (COF) and track how community banks’ COF behaves relative to larger banks. In future articles, we will explain our modeling for community banks’ COF based on inflation, Fed Funds rates, consumer consumption and the Fed’s balance sheet runoff.

Community Bank 195

Community Bank Strategy Community FDIC 195

BankInovation

OCTOBER 1, 2020

The Federal Deposit Insurance Corporation (FDIC) has taken steps to promote fintech partnerships and diversity and inclusion within the financial services industry, both internally at the FDIC and among the institutions it regulates, FDIC Chairwoman Jelena McWilliams said during the LendIt Fintech USA 2020 conference Wednesday.

FDIC 52

FDIC Fintech Innovation Conference 52

Long Lasting Ideas

JUNE 8, 2016

Often in this space, we’ve written about how Washington has made community banks its personal punching bag. Sarbanes-Oxley, Dodd-Frank, the FDIC and other financial regulators – as well as Congress and the White House — have not been friendly to community banks, all while bailing out Wall Street big boys.

Washington 40

Washington Community Bank Community Marketing Strategies 40

Jeff For Banks

JANUARY 12, 2019

Then, as now, my working theory is that the best boards are ones that approve strategy and hold management accountable for achieving it, and effectively dispatch their duties as described by the FDIC above. Frequently asked. Seldom answered. Each board member is an ingredient in the effectiveness of the entire board.

Community Bank 60

Community Bank Community FDIC Dallas 60

Jeff For Banks

JANUARY 12, 2019

Then, as now, my working theory is that the best boards are ones that approve strategy and hold management accountable for achieving it, and effectively dispatch their duties as described by the FDIC above. Frequently asked. Seldom answered. Each board member is an ingredient in the effectiveness of the entire board.

Community Bank 60

Community Bank Community FDIC Dallas 60

CFPB Monitor

SEPTEMBER 14, 2021

Last week, the Federal Reserve Board published a paper on partnerships between community banks and fintech companies, “Community Bank Access to Innovation through Partnerships.” Customer-oriented partnerships in which a community bank engages a fintech to enhance various customer-facing aspects of its business (e.g.,

Fintech 78

Fintech Community Bank Community FDIC 78

NCR

NOVEMBER 15, 2016

Aware of the disruptive changes in how banking products and services are delivered, community banks continue adopting new technologies to keep up with competition and customers’ demand. Will a mobile banking app really help to solve community banks’ challenges or is it just a waste of money?

Community Bank 40

Community Bank Community Mobile Rhode Island 40

Abrigo

MARCH 13, 2023

Stress testing & deposit strategies in the spotlight The failure of Silicon Valley Bank offers other financial institutions the chance to reassess their approaches to and management of interest rate risk, liquidity risk, and credit risk. Stay up to date on the best ALM strategies for the current environment.

Strategy 195

Strategy Lending Security Analysis 195

Jeff For Banks

MARCH 29, 2014

Two sections of the 10k I scroll to is the "Business" section and the "Business Strategy" section. This, one would think, would give me a feel of the bank''s differentiation strategy, it''s perceived competitive advantage, if you will. Well don''t get too excited. I picked Texas because of their perceived independent streak.

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Strategy Texas San Antonio Fort Worth 98

Independent Banker

OCTOBER 1, 2022

“A lot of people have this notion that it will never happen to my business or my bank, because it’s too small,” says Linda Comerford, assistant vice president of incident response and cyber services at AmTrust Financial Services Inc. The bank was only able to get fully up and running after it paid a negotiated ransom.”.

Montana 152

Montana Policies Resources FDIC 152

PYMNTS

APRIL 24, 2019

In addition, Wealthfront works with FDIC-insured partner banks — including East West Bank , New York Community Bank and others — to hold customers’ deposits. Since the firm partners with multiple banks, the deposits are insured up to $1 million. Consumers are fed up.”.

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FDIC New York Community Bank Course 108

Abrigo

AUGUST 9, 2017

In addition, “Management can use stress testing to establish and support reasonable risk appetite and tolerances, set concentration limits, adjust strategies and appropriately plan for and maintain adequate capital levels. They can then use this information to update the risk ratings and pricing strategy.

Columbus 150

Columbus Ohio Strategy FDIC 150

Abrigo

MARCH 17, 2015

According to the latest FDIC Quarterly Banking Profile, community banks continue to thrive and lead the industry. As more banks turn profitable – 90.3 A recent article by Randy Wardwell on BAI Banking Strategies highlighted eight tips for building winning relationships with your borrowers.

How To 150

How To Community Bank Community FDIC 150

Gonzobanker

AUGUST 22, 2014

Mid-size banks are in the proverbial catbird seat – they can offer most of the products and sophistication of the top national banks combined with the service culture, community involvement, and local market knowledge of a smaller community bank. Define Your Value Proposition. Think e-Harmony or Match.com.

Strategy 87

Strategy United States Community New York City 87

The Financial Brand

MARCH 24, 2023

This article NYCB’s Strategy Shift Gets Big Boost from Signature Deal appeared first on The Financial Brand. Now it has picked up a not-so-secret weapon in that battle — Signature's private client relationship banking teams. NYCB needs to keep growing deposits.

Strategy 30

Strategy Branding New York Banking Trends 30

Long Lasting Ideas

AUGUST 15, 2018

A couple of years back in this blog, we noted with more than a dash of skepticism that the FDIC was trying to make it easier for new banks to test the financial waters. Continue reading Anyone interested in a de novo bank? at Bank Marketing Strategy + Ideas.

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FDIC Marketing Strategies Strategy Marketing 51

American Banker

APRIL 5, 2016

In an interview, FDIC Chairman Martin Gruenberg said the FDIC will work with banking groups, state commissioners and others to help foster the growth of new banking charters.

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FDIC Groups Community Bank Community 28

American Banker

APRIL 5, 2016

In an interview, FDIC Chairman Martin Gruenberg said the FDIC will work with banking groups, state commissioners and others to help foster the growth of new banking charters.

FDIC 28

FDIC Groups Community Bank Community 28

Jeff For Banks

MARCH 31, 2018

So worries New Jersey Banker's Association CEO John McWeeney since state-owned bank advocate Phil Murphy was elected governor. The state's municipal deposits approximate $20 billion , $13 billion of which are in community banks. Marcus is Goldman Sachs online bank. FDIC insured. And Mid Penn Bank is a $1.2

FDIC 60

FDIC New Jersey Pennsylvania Community Bank 60

Abrigo

DECEMBER 9, 2014

Community banks are expanding their loan portfolios to include more small business loans, according to the most recent Community Bank Performance report by the FDIC. Loans across categories increased, with commercial and industrial loans growing at the fastest rate, roughly 5.3 percent over the 3rd quarter of 2013.

Training 170

Training Policies Analysis Community Bank 170

Abrigo

MAY 5, 2022

Banking Transformed Banking Transformed by the Financial Brand’s Jim Marous has new episodes several times a month and features executives from financial institutions, financial technology firms, authors, consultants, and other experts in the banking industry.

Community 195

Community Lending Maine Resources 195

Jeff For Banks

JUNE 2, 2023

The old borrow short, lend long strategy. I want to read to you the FDIC’s conclusion from their An Examination of the Banking Crisis of the 1980’s and Early 1990’s. Although community banks did not lend to sub-prime borrowers in any meaningful way, did we participate? We took a serious reputational hit.

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FDIC Community Bank Regulation Lending 78

American Banker

SEPTEMBER 6, 2016

’s recent statements encouraging new bank applications are promising, but some barriers to new charters may remain inside the FDIC and we are still waiting for the first de novo of 2016. The Federal Deposit Insurance Corp.’s

FDIC 28

FDIC Policies Community Bank Community 28

Jeff For Banks

FEBRUARY 17, 2021

As part of this effort, we have engaged in conversations and received feedback from community banks about the Board's competitive analysis framework and its impact on their business strategies and long-term growth plans. Although readers know that many thrifts pursue business banking strategies.

St. Louis 78

St. Louis Analysis Community Bank Marketing 78

Independent Banker

NOVEMBER 25, 2015

Regardless of the name, nonbank technology firms are wedging themselves between community banks and their customers by offering a slew of traditional and nontraditional banking products. This is why ICBA and community banks must continue to push consistent regulation of bank and nonbank financial service providers.

Community Bank 70

Community Bank Community Analytics Lending 70

Long Lasting Ideas

JULY 28, 2016

These days, when some in the political circle are calling for an expansion of Dodd-Frank, the chairman of the FDIC, Martin Gruenberg decided in April to ease regulations in an effort to try to jump start the creation of new banks. Continue reading FDIC’s welcome sign for de novos might as well be unplugged.

FDIC 40

FDIC Marketing Strategies Strategy Regulation 40