Abrigo

FEBRUARY 26, 2025

To succeed, banks must carefully balance competitive offerings with cost control while leveraging technology and relationship-building strategies to attract new deposits. Banks and credit unions can attract new deposits by offering: User-friendly digital account opening with intuitive navigation, fast load times, and strong security features.

Community Bank 195

Community Bank Community Strategy Analytics 195

South State Correspondent

SEPTEMBER 11, 2023

In this article, we analyze the underlying data for community banks and focus on the Chairman’s view of the future of bank performance. Community banks were challenged with increasing deposit costs and a lower increase in loan yield than the industry average, leading to a decline in NIM.

Community Bank 195

Community Bank Community FDIC Industry 195

Abrigo

FEBRUARY 6, 2025

Meeting investment accounting and reporting requirements The right technology tools can help institutions manage investment accounting compliance and risk exposure across various investment types. Accurate and streamlined investment accounting supports overall risk management, particularly in areas like credit, market, and liquidity risk.

Compliance 195

Compliance Technology Operations Risk Management 195

Abrigo

AUGUST 6, 2021

How can community financial institutions thrive in 2021? Community banks provide unique and important banking services for their customers, but they also face significant obstacles. Takeaway 1 Community banks play an important role in the economy and their communities, but they face significant obstacles.

Community Bank 195

Community Bank Community Kansas City Lending 195

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

South State Correspondent

APRIL 9, 2025

At present, we track 150+ AI agent platforms that households and business can use right now to manage banking products. While the public is currently focused on booking travel, restaurants and events, soon they will be using agents to optimize their banking. Why Build a Bank Website for AI Agents? The solution?

How To 195

How To Data Security Management 195

South State Correspondent

MARCH 13, 2023

That fact makes the bank’s deposits less sticky and subject to outflow at any sign of insolvency. Equally important is the bank’s securities duration, as shown in the graph below. Approximately 56% of the bank’s securities had repricing greater than 15 years. at the end of 2022, with $2.4B

Risk Management 221

Risk Management Management Community Bank Community 221

PYMNTS

JUNE 7, 2018

Community banking can be one of the most rewarding and most challenging areas of financial services in which to work — that’s the view, anyway, of Rebeca Romero Rainey, president and CEO of Independent Community Bankers of America (ICBA) , who recently joined the nation’s leading advocacy organization that exclusively represents community banks.

Community Bank 157

Community Bank Community Millennials Regulation 157

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

Independent Banker

MAY 31, 2022

Community banks have a choice about addressing the problem: Remain vulnerable or be vigilant. Fraud and cybercrimes continue to increase, causing challenges for community banks. But there’s plenty community banks can do to meet this challenge. Here are some ideas for strengthening fraud defenses.

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Community Bank Community Fraud Texas 134

PYMNTS

OCTOBER 10, 2018

Together, the companies are launching RegalOne, an application that provides integrated virtual cards to the corporate customers of regional and community banks. The app will leverage Mastercard In Control for Commercial Payments, letting community banks provide a white-labeled accounts payable platform for their corporate customers.

Community Bank 134

Community Bank Community Cards Software 134

Abrigo

FEBRUARY 28, 2025

Connect with an expert Common fraud schemes Check fraud Check fraud is one of the most concerning fraud trends for community banks in 2025. As mentioned above, a strong fraud prevention plan includes proactive customer outreach, security alerts, and educational resources on phishing scams, identity theft, and safe banking practices.

Fraud 221

Fraud social media Training Community 221

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. MOXY Bank, for example, aims to introduce corporate treasury management services, as well as offerings for small business (SMB) owners.

Community Bank 122

Community Bank Community FDIC Marketing 122

PYMNTS

JUNE 23, 2020

The Clearing House’s RTP finds expansion within the community bank arena, while abroad, the Bank of Thailand is planning its own infrastructure development to accelerate B2B payments. RTP Gains Community Bank Traction. In the U.S., And when it comes to legacy rails, the U.S.

Fraud 266

Fraud Community Bank Virginia Community 266

PYMNTS

JUNE 25, 2019

Cross River Bank has partnered with a range of FinTech startups since its 2008 launch, including collaborations with Stripe , Coinbase and Affirm , reports said. Seed members will be migrated to Cross River as the community bank expands with new offices in California and Oregon. reports said.

Community Bank 116

Community Bank Community Digital Banking FDIC 116

Jeff For Banks

JULY 6, 2013

It called for the establishment of USA Retirement Funds to re-establish pension funds as part of the three-legged stool of social security, pension, and personal savings. The US Government already shares with Social Security. controlling) they should do is enforce laws against the charlatans that plague the investment community.

Community Bank 104

Community Bank Community National Iowa 104

PYMNTS

SEPTEMBER 30, 2020

Morgan Chase, Bank of America, etc. — and the digital challenger banks. By contrast, he said he believes community banks run the risk of being left behind unless they partner quickly and wisely with the right technologists and raise their digital game.

Cards 334

Cards Tools System Community Bank 334

South State Correspondent

JULY 5, 2022

We concluded that obligors showing less than 1.50X DSCR would be most at risk, but the average community bank underwrites to 1.20X DSCR. Many bankers responded that their loan-to-values (LTVs) are low and expect that the secondary source of repayment will protect the bank’s capital.

Management 195

Management Capital US Community Bank 195

Independent Banker

MARCH 31, 2022

Julieann Thurlow, CEO of Reading Cooperative Bank, hopes other ICBA member banks will support the CHUCK payment network. A different kind of peer-to-peer payment service is now available, “built by community banks for community banks.”. Julieann Thurlow, Reading Cooperative Bank. CHUCK network.

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Community Bank Community Payments Meeting 91

South State Correspondent

FEBRUARY 20, 2023

Who the competition is, what the lending competition is offering, their delivery channels, and service levels can help community banks differentiate their services and enhance their competitive advantage. Analyzing the competition can also help a bank be realistic about which products it can sell and at what price.

National 195

National Lending How To Community Bank 195

PYMNTS

MARCH 18, 2019

Although only 60 banks and credit unions (CUs) have made Zelle available to their customers, approximately 230 have signed up for the service. While some larger financial institutions (FIs) have joined the platform, regional community banks and CUs account for 85 percent of Zelle’s participants. There are two sides,” Hsu said.

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Security Fraud User Experience California 148

Independent Banker

NOVEMBER 30, 2022

As community banks grow, their vendor partnerships usually also do, which can lead to challenges with organization, data security and more. To address these issues, some community banks have turned to artificial intelligence. Data science can make an impact in every industry segment, including vendor management.”.

Management 91

Management Community Bank Community Data 91

PYMNTS

MAY 27, 2020

To that end, said Matt Good , senior vice president and general manager of Elan Advisory Services , the shift to contactless payments is well underway — and the stage is being set for mobile wallets to gain a much wider embrace. There’s another side to contactless that moves beyond convenience and ties into security. Getting Prepared.

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Mobile Community Bank Cards Community 280

South State Correspondent

MAY 20, 2024

In last week’s article ( here ), we discussed why category and geographic diversification may be unfeasible for many community banks. We concluded that after a community bank sets limits on loan categories, the added benefit of geographic or loan category diversification is nullified.

Community Bank 195

Community Bank Community Strategy Examples 195

South State Correspondent

JULY 10, 2023

One possible solution to this dichotomy is for banks to offer interest rate swaps to hedge individual loans. This article will review domestic banks’ adoption of interest rate swaps. Next week’s article will consider the challenges and possible solutions for community banks to adopt loan hedging programs.

Community Bank 195

Community Bank Community Tools Management 195

Gonzobanker

OCTOBER 15, 2014

My heart goes out to the hard working professionals who run the Treasury Services or “Cash Management” divisions at community banks. Yet for more than a decade, cash management professionals have shown their resiliency. Sure, it’s easy to poke fun at the big banks for being slow and bureaucratic.

Management 101

Management Community Bank Community Resources 101

South State Correspondent

DECEMBER 13, 2023

Quantitative Tightening The Fed engaged in QE (buying Treasuries and mortgage-backed securities) in response to the great financial crises and then escalated this policy tool during the pandemic. QT is the opposite, where the Fed sells securities and drains cash held by banks at the Fed. Increase product engagement and duration.

Community Bank 195

Community Bank Community Policies Security 195

Abrigo

FEBRUARY 23, 2023

Relationship focus helps CFIs Small banks can leapfrog competitors and better serve their communities by combining their unique advantages with smart management and partnerships. Takeaway 3 With effective technology, the bank can continue to grow its portfolio without necessarily adding staff.

Community Bank 195

Community Bank Community Kansas City Lending 195

Independent Banker

NOVEMBER 30, 2021

Community banks use dozens or even hundreds of vendors—making it critical that they have an efficient way to stay compliant, track performance and more. Some banks are using a combination of software and internal personnel and systems to do just that. In addition to its vendor management platform, $2.2

Management 91

Management Community Bank Community New Jersey 91

South State Correspondent

APRIL 4, 2024

Secular changes occur over many business cycles, tend to be slow-moving, and are more difficult to manage with business strategy. However, because bank capital has an average expected life of 15 to 20 years, bank managers must gauge and react to secular changes that will impact their business model.

Risk Management 195

Risk Management Community Bank Policies Community 195

South State Correspondent

OCTOBER 9, 2023

In two articles in the past few weeks ( here and here ), we discussed how the “higher-for-longer” interest rate environment will affect the community bank sector – continued increase in the cost of funds (COF), steady yields on loans, and a decrease in net interest margin (NIM) will put severe pressure on ROE for new loan originations.

Tools 195

Tools Community Bank Community Strategy 195

South State Correspondent

APRIL 10, 2023

Nonetheless, with the recent collapse of sizeable regional banks, regulators, investors, analysts, accountants, and bankers are now scrutinizing the fair value of banks’ securities and loan portfolios. This development should strongly motivate community banks to consider the benefits of loan-level hedging.

Community Bank 195

Community Bank Community Security Capital 195

South State Correspondent

JANUARY 30, 2023

Rising funding costs and decreasing liquidity at community banks are causing managers to change pricing methodology for new credits. We estimate that 25% to 50% of community banks have a policy requiring minimum yield or credit spreads for new commercial loans.

Community Bank 195

Community Bank Strategy Community Management 195

South State Correspondent

APRIL 23, 2023

The root cause of Silicon Valley Bank’s (SVB) failure is poor risk management – plain and simple. Bankers need to understand and manage their business on the fair value of assets and liabilities instead of managing their business on net interest margin and the amortized historical cost of assets and liabilities.

Management 195

Management Security Risk Management social media 195

PYMNTS

SEPTEMBER 23, 2016

The app will enable community financial institutions (CFIs) to compete with larger financial institutions by providing their business banking customers with iOS and Android access to this secure and easy-to-use account management platform.

El Paso 100

El Paso Community Bank Community Mobile 100

PYMNTS

NOVEMBER 24, 2020

Our partnership with Jack Henry helps us bring Plaid Exchange to hundreds of regional and community banks, and helps ensure millions of people can access digital finance apps and services no matter where they choose to bank, invest and manage their money,” Karvounis added.

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Fintech San Francisco Community Bank Regional 198

South State Correspondent

JULY 7, 2024

Credit Option: Lenders realize the unfavorable circumstances of a loan workout, and this leads to the largest credit option in banking – the ultimate credit option is the debtor’s ability to “hand the creditor the key to the building” and convert a secured loan into an equity stake. First is a declining balance provision.

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Lending Community Bank Community Exercises 195