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.

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South State Correspondent

MAY 15, 2023

community bank management team. The CLO was lamenting how he was losing quality loans and deposits to three aggressive national banks in the territory. While this community bank is not aggressively pricing new loans, losing this commercial credit with a substantial deposit relationship was painful.

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National Community Bank Community Examples 195

Independent Banker

JANUARY 31, 2023

Inspired by the entrepreneurship of lemonade stands, Scottsdale Community Bank created a microloan program. Photo by Brandon Sullivan De novo Scottsdale Community Bank set out to provide microloans to small and mid-size businesses, family organizations and nonprofits—a project that was inspired by the humble lemonade stand.

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Community Bank Community Phoenix Arizona 172

Independent Banker

JANUARY 31, 2022

Ken Finley, president of Johnson City Bank, in downtown Johnson City with Shannon Sultemeier, executive vice president (left); and Brenda Haynes, vice president/cashier (right). Here’s how four community banks are thriving in this environment. Photo by Dennis Burnett. By Mindy Charski.

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Texas San Antonio Community Bank Community 182

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.

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Community Bank Community Montana Taxes 172

ABA Community Banking

FEBRUARY 5, 2025

Community banks are an important part of the U.S. financial system and play a crucial role in both local communities and the national economy, ABA Vice Chair Cathy Owen told members of the House Financial Services Committee.

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Community Bank Community National System 59

Independent Banker

NOVEMBER 30, 2021

We asked both leaders and staffers to tell us what makes their community banks stand out as employers. Key Community Bank: Leading by example. Key Community Bank. At the heart of Key Community Bank’s work culture is connection. Greg Dennis, Key Community Bank. “We

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Community Bank Community Texas Leadership 164

Independent Banker

NOVEMBER 30, 2022

Clockwise from top left: Grand Ridge National Bank, Wheaton, Ill.; Community Financial Services Bank, Benton, Ky.; Bank of Montana, Missoula, Mont.; CNB Bank, Berkeley Springs, W.Va.; Midwest Bank, Norfolk, Neb. Can Bank of Montana’s success be replicated? Grand Ridge National Bank.

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Community Bank Community Montana Leadership 169

Abrigo

JULY 23, 2015

According to the Sageworks 2015 Bank and Credit Union Exam Survey , more than 40 percent of the 180 responding institutions had already begun stress testing, and it was recommended to 30 percent that they begin stress testing or expand current stress test practices. Understand your portfolio and its risk factors. Ensure proper data.

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Community Bank Community Data Resources 150

Independent Banker

OCTOBER 31, 2022

Anderson bought F&M Bank in the early 1970s. Anderson celebrates 75 years in community banking this year. The chairman emeritus of F&M Bank offers us a glimpse of his life, his career and the lessons he’s learned along the way. Name: F&M Bank. Anderson, F&M Bank. The banking adventure begins.

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Community Bank Community Oklahoma Oklahoma City 158

Abrigo

OCTOBER 22, 2024

Say "thank you" this National FinCrime Fighter Day BSA professionals and financial crime fighters are tasked with the challenge of protecting our financial system daily. October 26 is National Financial Crime Fighter Day , and it’s the perfect time to pause and applaud everything these professionals do. It’s about relationships.

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Abrigo

SEPTEMBER 22, 2015

Many community banks see this as a welcomed move towards offering smaller institutions some relief from the regulatory pressures of their larger, national counterparts. The article allowed banking executives to weigh in on the subject. Sound is a $500 million institution.

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Abrigo

MARCH 9, 2015

The latest FDIC Quarterly Banking Profile was just released and the industry continues to be led by the nation’s community banks. percent of community banks were unprofitable during the quarter. Net interest income accounts for almost 80 percent of net operating revenue at community banks.

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Community Bank Community FDIC Industry 150

Banking Exchange

FEBRUARY 17, 2021

Greenwich Associates reports widening gap in digital investment between national and regional banks Community Banking Feature3 Feature Technology Retail Banking Covid19 PPP Customers Tech Management Mobile Online.

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Community Bank Regional Community National 131

Abrigo

JANUARY 22, 2015

According to a recent survey from four Federal Reserve Banks, small regional and community banks have the highest approval rate for small business loans. The 2014 Small Business Credit Survey was a joint operation conducted by the Federal Reserve Banks of New York, Atlanta, Cleveland and Philadelphia.

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Community Bank Community Regional Cleveland 150

Abrigo

SEPTEMBER 16, 2019

Community bankers are largely positive about the future, based on the first results of a new index gauging business sentiment among the financial professionals who serve a critical role in local economies. The survey for the inaugural index included 512 FDIC banks responding from early in the second quarter through July 5. Learn More.

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Community Bank Community Policies Survey 150

South State Correspondent

JUNE 21, 2022

This decision coincided with rate hikes by the Swiss National Bank, its first since 2007, the Bank of England, and the European Central Bank announced at an emergency meeting that they would raise interest rates next month and again in September. Conclusion.

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Community Bank Policies Community Marketing 359

South State Correspondent

OCTOBER 29, 2014

Banking is competitive. Luckily, community banks have a number of competitive advantages over national banks. However, if you ask the average banker, it doesn’t feel that way, particularly when it comes to loan pricing and community banks are forced to compete against 10-year, 3.90% fixed rate loans.

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PYMNTS

MARCH 15, 2019

Community bank Patriot National has hit a regulatory roadblock in its plans to launch a Small Business Administrative platform, but reports in American Banker on Thursday (March 13) said the financial institution remains undeterred by the challenge.

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National Community Bank Metro Lending 139

Independent Banker

JUNE 30, 2022

But there are ways community banks can help mortgage-seekers get on the property ladder. year-over-year increase in the first quarter of 2022, according to the National Association of Realtors (NAR). Burmis, senior vice president and retail lending manager at $450 million-asset Chelsea State Bank in Chelsea, Mich.

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Community Bank Community Millennials Resources 143

PYMNTS

JANUARY 9, 2018

Community banks approved 49 percent of SMB loan applications in November, according to the latest data from the Biz2Credit Small Business Lending Index. Here, again, lies another opportunity for community banks to fill the void.

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Community Bank Community Fintech Lending 131

PYMNTS

APRIL 12, 2019

Community banks are voicing their frustration with what they say is a lack of competition in the market for corporate bank technology providers, reports in The Wall Street Journal said Thursday (April 11). Community banks say their services are often too expensive and can sometimes be delayed.

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Community Bank Community New Jersey Fintech 123

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. With clearance to move forward with its plans, the community banking landscape will see its first new industry player in years.

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Community Bank Community FDIC Marketing 122

Independent Banker

DECEMBER 31, 2021

Independent Banker ’s annual Community Bank CEO Outlook survey reveals how community bank leaders plan to leverage today’s deposit-laden banking environment to grow this year. Janet Silveria, Community Bank of Santa Maria. So, what’s at the top of community bank leaders’ to-do lists?

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Community Bank Community Lending Louisiana 144

South State Correspondent

SEPTEMBER 30, 2024

In Q2/24 the average return of asset (ROA) for community banks (under $10B in assets) was 1.08%. But within the community banking sector, performance varied among banks significantly and a large swath of banks need to improve ROA. of community banks reported negative ROA. Another 16.2%

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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.

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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.

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Community Bank FDIC Community National 195

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

South State Correspondent

SEPTEMBER 18, 2023

This development is very important to community banks, as their efficiency ratio also increased, but to 61.63%. The national banks have already indicated how they plan to reverse the efficiency ratio increase – through headcount reduction. What is Driving the Efficiency Ratio at Community Banks?

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Management How To Community Bank Community 195

South State Correspondent

NOVEMBER 16, 2014

. Leaders of the G20 Nations met over the weekend and agreed to introduce new banking regulations that will result in deposits being treated more like an investment and less like "cash and cash equivalents." Watch our animated video to learn more and get our take on what it could mean for community banks.'

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Community Bank Video Community National 207

South State Correspondent

JUNE 8, 2022

For decades community banks have structured fixed-rate loans with adjustable features – the most popular structure is a ten-year fixed-rate loan with a five-year reprice. With short-term interest rates expected to rise through 2022, many community banks are reconsidering their ALCO strategies.

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Community Bank Community National Strategy 195

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.

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Community Bank Community Risk Management Management 195

South State Correspondent

APRIL 9, 2025

Most national banks scored relatively well. Community banks, not so much and the majority of banks can still not open an account digitally. The Problem with Todays Bank Websites Current bank websites are designed for human navigation.

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How To Data Security Management 221

South State Correspondent

JUNE 5, 2024

For banks under $10B in assets, ROE declined to 10.53% in Q1/24 (an 11% decline in the last year). The typical published analysis considers the industry in aggregate which conflates the challenges and opportunities at community banks (those under $10B in assets). For the smaller community banks, DDA balances decreased 9.4

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Community Bank Community National Marketing 195

South State Correspondent

APRIL 18, 2022

Historically, community banks have relied on net interest margin (NIM) instead of fee income to drive return on equity (ROE). In contrast, larger banks have emphasized non-interest income rather than NIM to boost ROE and revenue. On average, the national banks generate 62% more fee income as a percentage of total revenue.

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Lending Community Bank Community Comparison 195

American Banker

NOVEMBER 11, 2024

With plans to open 100 banking centers in "banking deserts," the $3 trillion JPMorgan Chase is arguably the nation's largest community bank. Other big banks should take notice and follow suit, and regulators should encourage them.

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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. A community bank may transact one or only a few balance sheet hedges over many years.

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