South State Correspondent

NOVEMBER 18, 2024

The current policy directions from the new administration are largely inflationary, and community banks should be paying attention and consider a loan-level hedge strategy. Many banks that survived the rapid interest rate hikes still struggled with net interest margin (NIM) compression caused by fixed-rate loans and securities.

Strategy 195

Strategy Community Bank Community FDIC 195

South State Correspondent

APRIL 18, 2023

We concluded that the market does not adequately compensate banks for credit and interest rate risks. Top-performing community banks deploy relationship banking. We define relationship banking as a model focused on a consultative banking approach. uses at our bank.

Strategy 195

Strategy Regional Industry Community Bank 195

PYMNTS

NOVEMBER 13, 2018

To that end, news came earlier this week in the United States that a dozen community and regional banks have formed a group aimed at exploring the opportunities amid FinTech offerings. The group, to be known as Alloy Labs Alliance, according to a press release , is being managed by FinTech Forge. Here In The States.

Community Bank 183

Community Bank Community Fintech Arizona 183

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

Cisco

JANUARY 10, 2023

As a change agent serving the financial services industry for over 20 years, it is a great privilege to collaborate with Bank, Insurance, and Wealth Management institutions to devise and execute digital transformation strategy, solve complex business problems, and leverage technology to strengthen business results.

Digital Strategies 173

Digital Strategies Strategy America Innovation 173

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

SEPTEMBER 24, 2020

smaller community banks and credit unions (CUs) stepped up to the plate and, according to the Small Business Association (SBA), ended up facilitating more than half of PPP loan volume to SMBs. That's good news for community banks and credit unions, which could see a wave of new SMB customers and members in the coming months.

Community 193

Community Community Bank Regional Lending 193

Gonzobanker

OCTOBER 13, 2020

With megabanks spending billions on digital investments each year, regional and community bank executives understand they cannot compete on resources. Instead, these players are focusing on specific niches, brand strategies and community connections to differentiate themselves. Appoint Digital Ambassadors.

Strategy 158

Strategy Digital Banking Digital Strategies Mobile 158

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%

Community Bank 195

Community Bank Community National Regional 195

Gonzobanker

NOVEMBER 26, 2018

Rapid consolidation in the banking industry is creating a growing band of regional banks that find themselves stuck in a solution provider market that isn’t fully capable of serving them. As banks have consolidated, so have the technology partners serving them.

Regional 98

Regional Strategy Technology Innovation 98

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

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

Abrigo

FEBRUARY 6, 2025

Investment compliance and regulatory requirements can pose operational challenges regardless of institution size, from community banks under $10 billion in assets to large, multinational firms.

Compliance 195

Compliance Technology Operations Risk Management 195

South State Correspondent

JANUARY 25, 2024

This strategy is used for various reasons discussed further in this article. Recently, larger lenders, including Bank of America, JPMorgan, Goldman Sachs, and Wells Fargo, have announced that they are seeing an elevated appetite for forward rate locks on loans for future anticipated commercial borrowings.

How To 195

How To Community Bank Community National 195

South State Correspondent

MAY 18, 2022

In two recent articles, we reviewed the banking industry’s deposit behavior with regard to cost of funding earning assets (COF) ( HERE ), and we compared how community banks’ COF behaves relative to national banks in a rising interest rate cycle ( HERE ). A graph for SouthState Bank appears below.

Community Bank 195

Community Bank Community Analysis Industry 195

PYMNTS

JULY 31, 2019

The company revealed that David Kowach has been named head of Community Banking, while Jim Hays has come onboard as president and head of Wells Fargo Advisors. In his new role, Kowach is responsible for Regional Banking, Distribution Strategies, Customer and Branch Experience, and Regional Services.

Community Bank 147

Community Bank Lending Regional Strategy 147

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.

Strategy 100

Strategy Texas San Antonio Fort Worth 100

PYMNTS

AUGUST 21, 2020

Community banks and credit unions are feeling the pressure to boost their digital card services or risk losing customers to megabanks and digital challengers, Ondot Systems ’ Chief Strategy Officer Todd Lesher told PYMNTS in a recent discussion. It’s a story told by the data itself, Lesher said. Square announced $1.3

Cards 224

Cards Mobile Community Bank Community 224

Independent Banker

JULY 31, 2022

These community banks share how they have (or haven’t) altered their hiring strategies. According to the BLS, “quit levels and rates” by employees is higher in all employment sectors than it is in “finance and insurance” specifically, which is where community banks would fall (see table below). By William Atkinson.

Community Bank 91

Community Bank Community Iowa Louisville 91

Independent Banker

DECEMBER 31, 2021

They share tips for how community banks can get started. Social media has made it easier for community banks to nurture connections with prospects, customers and the community. In its simplest form, it expands the reach of a community bank’s content. By Amy Geist. What is paid social? Paul, Minn.,

Marketing Strategies 91

Marketing Strategies Strategy Marketing social media 91

South State Correspondent

FEBRUARY 27, 2024

Community bankers need to practice realistic loan pricing discipline. However, we need to understand the meaning of pricing discipline and its effect on community bank performance. This is strong evidence that community banks are pricing to an arbitrary minimum credit spread in this set of loans.

How To 195

How To Community Bank Community Management 195

South State Correspondent

JANUARY 3, 2023

Banks that can generate higher net interest margins are not more profitable as measured by ROA. While many bankers focus on developing strategies to increase loan yield to widen NIM, we believe this approach is not sound. Location – Because most banks take on the profitability of an area, geography matters.

Community Bank 221

Community Bank Community Data Marketing 221

PYMNTS

JUNE 4, 2019

Payment company PayFi and The Clearing House (TCH) have partnered to bring real-time payments technologies to the community banks on PayFi’s Branch99TM Real-Time Platform, according to a release. “We We are in the middle of an unprecedented disruption in the banking and payments industries,” PayFi Head of Growth Peter Gordon said.

Community Bank 120

Community Bank Payments Community Regional 120

American Banker

DECEMBER 11, 2023

Proposed capital rules aimed at bigger institutions will force regional and larger community banks to consider ways to grow or seek an exit strategy, bankers and analysts predict.

Community Bank 90

Community Bank Regional Capital Community 90

BankInovation

FEBRUARY 16, 2022

Core provider Jack Henry is responding to a widespread shift in the financial services landscape with an open banking strategy that aims to facilitate a fintech-enabled digital ecosystem for community banks. As community […].

US 98

US Community Bank Community Regional 98

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

Banking Exchange

DECEMBER 28, 2019

Community Banks Should Focus on Regional Strategy Community Banking Feature3 Feature The Economy Bank Performance Financial Trends Human Resources People Management.

Community Bank 78

Community Bank Regional Resources Community 78

Abrigo

AUGUST 30, 2024

Currently, the FHFA has a “tangible capital rule” that restricts banks with negative tangible capital from obtaining new advances and existing advance renewals beyond 30 days without a regulatory waiver. With investment portfolios under water, community banks would be hit especially hard if the waiver is eliminated altogether.

San Francisco 195

San Francisco Risk Management New York Capital 195

South State Correspondent

AUGUST 22, 2023

With a competitive offering, it will be easier to attract the small business and mid-sized companies that a bank needs to fuel its core growth. The opportunity for the product is that for an average community bank, 83% of their commercial, non-profit, and municipal customers are NOT using treasury management services.

Management 195

Management Community Bank Survey Community 195

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

PYMNTS

JULY 10, 2020

For several years, while state-level legalization has expanded, access to traditional banks remains an issue thanks to their status as federally regulated entities. Today, however, the banking challenge has largely been solved. An Emerging Payments Influencer.

Innovation 210

Innovation Payments Tools Compliance 210

South State Correspondent

MAY 31, 2023

The advent of generative artificial intelligence is about to shift branch strategy again to re-raise the question – how can we get the most out of our branches? At an average of $1 million per year to operate, the branch is the most expensive per unit channel in banking, given that a good branch serves 2,000 to 3,000 customers.

Data 195

Data Branch Strategies Strategy Mobile 195

South State Correspondent

APRIL 19, 2023

For example, while banks in the Southeast and Mid-Atlantic regions of the U.S. Some small banks, for example, do nothing more than have their CEO call the largest depositors twice per year to check in and thank them. This is one of the great mysteries of community banking. It starts with articulating a strategy.

How To 195

How To Examples Resources Marketing 195

South State Correspondent

MARCH 16, 2022

One element that many commercial banks attempt to differentiate with borrowers is the prepayment provision (or sometimes the lack of one). Many community banks will market their fixed rate loans based on the simplicity of the prepayment provision, and this starts by understanding the value that each provision creates.

How To 195

How To Community Bank Community National 195

South State Correspondent

SEPTEMBER 20, 2023

What clients want the bank and are likely to move to your bank? Here, a tool like IBIS World comes in handy for setting bank strategy as you can look up any of the below industries to see their geographical dispersion. Yet, many community banks have not organized their TM effort to exploit this service advantage.

Management 195

Management Survey Industry Community Bank 195

Celent Banking

DECEMBER 22, 2016

Earlier this month, Fiserv announced that it is acquiring Online Banking Solutions (OBS), a privately held provider of niche treasury management capabilities. Partnerships to extend transaction banking functionality is a great step toward that end but they need to be well-defined and well-executed to benefit the providers’ clients. .

Meeting 100

Meeting Strategy Community Bank Regional 100