ABA Community Banking

OCTOBER 13, 2020

Banks contribute to their communities and local organizations in ways that matter a lot during the pandemic. The post Putting the ‘Community’ into Community Banking appeared first on ABA Banking Journal.

Community Bank 122

Community Bank Community social media Marketing 122

South State Correspondent

JUNE 18, 2024

Deposit costs and liquidity remain a challenge for some community banks as competition for core funding remains intense. The graph below compares the liquidity ratio for community banks (under $10B in assets) and banks over $100B in assets. Community banks do have a few strategies for mitigating COF pressures.

Community Bank 195

Community Bank Community Risk Management Management 195

ABA Community Banking

MARCH 23, 2020

Nuts-and-bolts strategies to help banks respond to the coronavirus pandemic . The post Coronavirus Response: Common Practices for Community Banks appeared first on ABA Banking Journal.

Community Bank 115

Community Bank Community Strategy Resources 115

Independent Banker

FEBRUARY 28, 2022

Kathy Strasser of IncredibleBank is evaluating marketing campaign management platforms. Customized, well-thought-out interactions—especially in the online banking space—are integral to wooing new customers and retaining existing ones. Fintechs know how to reach and work with the community. MainStreet Bank’s BaaS move.

Fintech 136

Fintech Marketing Community Bank Community 136

South State Correspondent

OCTOBER 4, 2023

If you want to grab a material amount of new deposit balance, offer a 5.05% money market rate, post it all over Instagram, and sit back and watch the money roll in. The approach is a mess, yet it is done every day in banking. Your margins are contracting this year because you are already NOT spending enough on marketing.

Marketing 195

Marketing Taxes Training Management 195

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

Independent Banker

FEBRUARY 28, 2023

As community banks navigate this process, there are plenty of resources available to answer questions and provide guidance. Three sources of information on FedNow As community banks look to take advantage of this new opportunity, they seek resources to help them navigate the journey.

Resources 115

Resources Community Bank Community Texas 115

South State Correspondent

MARCH 14, 2022

Community banks have solid competitive advantages when competing against insurance companies (primarily life insurance companies or “Lifecos”) and commercial real estate securitization conduit lenders (CMBS) for commercial borrowers. Commercial Real Estate Market Background. Solution Parameter. Differentiation.

Company 195

Company Community Bank Community Lending 195

South State Correspondent

FEBRUARY 17, 2025

For the last few years, SouthState Bank Correspondent Division has been hosting lender lunches across the country. Lenders Lunch Material We typically host these lunches for 10 to 20 banks and have anywhere from 20 to 40 bankers in attendance. For example, we highlight that the 80/20 profitability rule does not apply in banking.

Community Bank 195

Community Bank Community Tools Kentucky 195

PYMNTS

OCTOBER 4, 2019

The company handles payments, retail banking, treasury desks and mortgage lending for about 90 of the top 100 banks in the world. retail and business banking sectors by further enabling digital transformation for community banks and credit unions around the U.S. Vista purchased DH Corp.

Fintech 197

Fintech Community Bank Community Lending 197

ABA Community Banking

SEPTEMBER 8, 2021

Banks of all sizes are hearing from many customers that they want exposure to the fast-growing but volatile cryptocurrency market. Vast Bank recently became the first nationally chartered, FDIC-insured bank to offer crypto banking.

Community Bank 64

Community Bank Community Retail FDIC 64

South State Correspondent

SEPTEMBER 3, 2024

Theoretically, if all variables stay the same, an increase in a bank’s NIM will lead to an increase in a ROA/ROE. In the competitive world of banking (retail, commercial, corporate) all else is not equal. The magnitude and duration of declining short-term interest rates also plays a role in influencing a specific bank’s NIM.

Community Bank 195

Community Bank Community FDIC Industry 195

South State Correspondent

OCTOBER 24, 2024

For efficiency, banks should give special consideration to data aggregators that can also help with retail and commercial accounting opening, onboarding, and maintenance, as well as with compliance and know-your-customer requirements. Don’t let your customers be the product that gets monetized.

Data 221

Data Security Fintech Resources 221

Abrigo

AUGUST 3, 2015

The ABA’s 2015 Survey of Bank Compliance Officers , conducted February through March 2015, had participation from more than 450 financial institutions, with almost 80 percent being community banks. ABA president and CEO, Frank Keating, commented that Dodd-Frank has impacted banks, their customers and the communities they serve.

Compliance 150

Compliance Community Bank Community Survey 150

Celent Banking

MARCH 16, 2015

This last week the American Banker Retail Banking Conference 2015 was going on in Austin, TX. As expected, it was a great way to read the temperature of the banking industry. The conference was well attended, with broad representation from all institution sizes and markets. One spoke of the need to market correctly.

Conference 100

Conference Retail Community Community Bank 100

South State Correspondent

JANUARY 3, 2023

Loans are not fabricated by banks but are negotiated by borrowers and lenders in a broad, relatively efficient market. The lack of relationship between NIM and ROA results from the other factors that are more important to bank profitability, such as loan credit quality, loan size, and relationship value.

Community Bank 221

Community Bank Community Data Marketing 221

ABA Community Banking

SEPTEMBER 4, 2019

A conversation with Tim Marshall, president and CEO of the Bank of Ann Arbor. The post CEO Q&A: Brand Presence for Community Banks appeared first on ABA Banking Journal.

Community Bank 81

Community Bank Branding Community Resources 81

ABA Community Banking

OCTOBER 1, 2020

Business conditions were most often called the single biggest challenge facing community banks, according to an annual survey released yesterday by the Conference of State Bank Supervisors. The post For Community Banks, COVID-19 Brings Existential Concerns to Fore appeared first on ABA Banking Journal.

Community Bank 80

Community Bank Community Survey Conference 80

Independent Banker

DECEMBER 31, 2021

As social media platforms tinker with their algorithms, marketing experts say one trend is clear: Paid social campaigns are becoming increasingly necessary to cut through the noise and reach customers. They share tips for how community banks can get started. Sometimes, the marketing team is a one-person show.”.

Marketing Strategies 91

Marketing Strategies Strategy Marketing social media 91

PYMNTS

APRIL 29, 2019

Retail Banking Satisfaction Study , retail banking was declared to have bounced back reputation-wise over the past decade, due to improvements in customer service spurred by innovations like mobile banking. In 2018, it took longer to bring new features to market than in prior years. Community banks (45.6

Fintech 193

Fintech Innovation Community Bank Study 193

BankInovation

JULY 9, 2020

People’s Community Bank, a $300 million institution near of Madison, Wis.,

Community Bank 64

Community Bank Community Marketing Customer Experience 64

South State Correspondent

APRIL 12, 2022

Our focus is on information that pertains to the community banking industry. Jamie Dimon believes that the Fed may hike rates more than the market expects and has indicated that the strongest inflation in 40 years may prompt officials to rethink the pace of the hiking cycle. 3) Community Focused.

Community 195

Community Community Bank Leadership Lending 195

South State Correspondent

APRIL 10, 2023

The current banking crisis has put a magnifying lens on all non-Too-Big-Too-Fail banks. While the market focuses on deposits and liquidity, media pundits and analysts are waiting for credit problems to appear. Of all the credit risks within banks, one of the largest is in commercial real estate exposure.

Community Bank 195

Community Bank Community Los Angeles Regional 195

ABA Community Banking

FEBRUARY 6, 2020

Have you heard about the community bank that’s been chugging along for over 150 years, took on “Community Bank” as its name—and “bank happy” as its motto? Meet Community Bank, N.A., The post When a Community Bank Expands Beyond Its Community appeared first on ABA Banking Journal.

Community Bank 69

Community Bank Community New York Meeting 69

South State Correspondent

AUGUST 8, 2022

Insight #1 – Deposit & Margin Management: Deposit runoff has started and will make it to community banks by October. For 2Q, larger community banks lost about 0.3% of their deposits, and small banks were either flat or continued to gain. This will decrease savings levels and, in turn, retail deposit balances.

Trends 195

Trends Community Bank Community Retail 195

South State Correspondent

DECEMBER 8, 2023

The real reason that this conference makes our favorites list is that this is one of the few conferences where we can learn what the largest and most progressive banks are doing in the market. We asked ten banks how they define small business and where it reports and got different answers.

Conference 195

Conference Retail Community Bank Technology 195

South State Correspondent

AUGUST 15, 2023

Since our last update on 2Q credit HERE , 3Q commercial loan pricing trends start with a better economic picture as higher than-planned growth and softer inflationary data have changed part of the market’s outlook. Retail probabilities of default remain flat (compared to 2Q) but elevated. Total industry loans grew 5.1%

Trends 195

Trends Community Bank Community Lending 195

South State Correspondent

FEBRUARY 29, 2024

Since our last update on pricing and credit HERE , commercial loan pricing trends for the first quarter of 2024 continue to be driven by the perceived increase in credit risk, tighter credit supply and banks’ need for wider margins. percentage points bringing forward looking LGD to 44% of the average community bank loan amount.

Trends 195

Trends Community Bank Community United States 195

ABA Community Banking

OCTOBER 6, 2021

CEO survey reveals banks’ resilience, commitment to employees and communities. The post How Community Banks Survived the COVID Pandemic appeared first on ABA Banking Journal.

Community Bank 69

Community Bank Community Survey Resources 69

ABA Community Banking

MAY 17, 2022

While certain aspects of ESG are complex and sometimes controversial, many banks are finding that they can embrace investors’ interest in ESG factors. The post Community banks have a good ESG story to tell appeared first on ABA Banking Journal.

Community Bank 72

Community Bank Community Marketing Retail 72

South State Correspondent

MAY 1, 2024

With financial hardship, competition from dominant players, and a startup budget, Gentle Monster faced many of the same challenges as a community bank. He chose to compete in the women’s luxury segment and looked for a gap in the market. COI marketing for banks should always be a top priority.

Innovation 195

Innovation social media Branding Marketing 195

Celent Banking

APRIL 28, 2017

As sharp-eyed Celent retail banking subscribers know, I'm an avid collector of good analogies. My favorite and I believe useful analogy for banking system engineering is that of automobile engineering, an industry that has a similarly colorful past and has been marked by fits and starts of innovation over the past 120 years.

Innovation 150

Innovation Detroit Community Bank Strategy 150

South State Correspondent

FEBRUARY 8, 2023

One of the formula’s strengths or “unifying” features is that it ties price, customers, marketing, asset-liability objectives, deposits, loans, and balance sheet profitability together in an excellent package. Predicted Market Penetration at Optimized Offering The middle portion of the formula is where the magic happens.

Community Bank 195

Community Bank Marketing Community Regional 195

Abrigo

MAY 11, 2017

Without going into every possible stress testing scenario, here is a stress test example for a construction and retail portfolio. If situations turn and the project is not sustainable banks need to be able to look at alternative sources of repayment to complete the project.

Nashville 150

Nashville Retail United States Analysis 150

Abrigo

FEBRUARY 12, 2020

“Macy’s closing 125 stores signals ‘more pain’ for retailers,” ABC News reported Feb. Retailers like Pier 1, Papyrus and Express are closing 1,000 stores. Community financial institution lenders, however, will want to “pick their spots” for CRE loans this year. “2020 could be a pivotal year for the U.S. Learn more.

Lending 195

Lending Trends FDIC Survey 195

Celent Banking

DECEMBER 2, 2014

Celent recently released two reports looking at the state of banks and credit unions: And Then There Were None: The Disappearance of Community Banks and Catch CU: The Ongoing Evolution of the Credit Union Market. What role will small banks and credit unions play in the future? Feel free to comment.

Industry 169

Industry ATM Community Bank Analysis 169

South State Correspondent

JUNE 27, 2024

Add a three month CD option for your customers and the duration of your money market accounts can noticeably get reduced. In this article, we look at how size and deposit value are correlated and discuss ways that banks can have greater intent in building franchise value through deposits.

How To 195

How To Metro Marketing America 195