Abrigo

OCTOBER 30, 2015

With the recession fading into the more distant past, banks – in particular, community banks – have seen several years of loan growth. Banks, according to Comptroller of the Currency Thomas Curry, are starting to reach for additional growth by lending to less creditworthy borrowers, a move that increases risk to the institution.

Lending 150

Lending Trends Risk Management Community Bank 150

Independent Banker

JUNE 30, 2022

Last year, community bank loan producers were faced with both record-low interest rates and a glut of deposits. But as they always do, they came through for individuals and businesses in their communities with a combination of personalized service and prudent risk management practices. First Southern Bank.

Community Bank 172

Community Bank Community National Philadelphia 172

Independent Banker

MAY 25, 2016

Yes, you can monetize your community bank’s data. Community banks store much more customer data today than in past years. Leaders in the community banking industry are asking when and how to tap into this data. Suchit Shah. By Suchit Shah.

Community Bank 84

Community Bank Community Big Data Data 84

South State Correspondent

JANUARY 4, 2023

Charlotte, Houston, Phoenix, New York, Austin, Denver, Orlando, Miami, and Nashville, many banks have not adjusted pricing or their credit appetite. Sectors like office, retail, and hospitality, are even worse. For 2023, banks need to prioritize interest rate risk management and credit accuracy as a top priority.

Community Bank 195

Community Bank Capital Marketing Lending 195

Independent Banker

MAY 2, 2016

We ignite prosperity in all the communities we serve through community reinvestment, lending to local businesses, and providing educational opportunities for the community and our employees. We are more than a community bank; we are a community prosperity engine. Retail locations: Two. Employees: 24.

North Dakota 70

North Dakota Community Bank Community Risk Management 70

Independent Banker

AUGUST 26, 2015

Today, many community banks are exploring how to “go paperless”—whether for cost reasons, a better customer experience or a deliberate outreach to a younger, technology-oriented demographic. But how does a bank establish that electronic signatures are legally binding—and enforceable?

Community Bank 70

Community Bank Minneapolis Community Online 70

Abrigo

OCTOBER 20, 2020

Millennium Bank, like many community financial institutions, is heavily concentrated in commercial real estate (CRE). Of course, COVID-19 has greatly impacted CRE over the last six months, with lodging, retail, and office spaces suffering a significant blow amid stay-at-home orders and other social distancing measures.

Management 195

Management Lending Community Strategy 195

ABA Community Banking

SEPTEMBER 29, 2021

On the latest episode the ABA Banking Journal Podcast, Berkshire Bank President and CEO Nitin Mhatre discusss Berkshire Bank's "BEST Community Comeback," a new $5 billion ESG-focused initiative at the Massachusetts-based midsize community bank.

Community 81

Community Strategy Massachusetts Community Bank 81

Abrigo

MARCH 24, 2021

Growing loans, earnings are banks' top challenges in 2021. The top banking challenges in 2021 are growing loans and earnings, according to Independent Banker’s recent 2021 Community Bank CEO Outlook survey. Top Banking Challenges: Finding Growth in 2021 and Beyond. Lending & Credit Risk. Risk Ratings.

Lending 221

Lending Technology Survey Examples 221

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

Independent Banker

JANUARY 28, 2016

As in past years, community bankers will have a dynamic regulatory environment to contend with in 2016. Safety and soundness concerns will remain a prominent driver of that supervisory dynamic for community banks. What should community banks anticipate here? The trends apply to commercial and retail lending.

Community Bank 70

Community Bank Community Regulation Lending 70

ABA Community Banking

DECEMBER 5, 2015

bank move from wholesale borrowings to cheaper retail funding Risk Management HowTo Rate Risk Community Banking. 125th anniversary helps N.H.

Risk Management 40

Risk Management Community Bank Community Retail 40

CFPB Monitor

AUGUST 22, 2016

The CFPB has announced the appointment of new members to its Consumer Advisory Board, Community Bank Advisory Council, Credit Union Advisory Council, and Academic Research Council. Lynn Drysdale, Managing Attorney, Consumer Law Unit, Jacksonville Area Legal Aid, Inc., Retail Bank, Citibank, New York, NY.

San Antonio 60

San Antonio Kansas City Groups CA 60

Independent Banker

FEBRUARY 24, 2016

“I know that unnecessary regulation saps the strength of community banks.” Federal banking regulators are always alert to emerging safety and soundness issues. So our examiners will be vigilant in evaluating credit risk, and banks of all sizes should be as well. Curry, U.S. Comptroller of the currency.

Community Bank 70

Community Bank Community Regulation Compliance 70

Jeff For Banks

NOVEMBER 7, 2015

Me to a community banker: Why don't you offer more options than real estate secured lending to help fund early stage businesses? Banker: Because that's not community banking. I've been in this business over 20 years and still don't know the definition of community banking. I've got news for you.

Community Bank 60

Community Bank Community Baltimore Lending 60

Gonzobanker

MAY 21, 2019

The following memo outlines my assessment and recommendations concerning our purchase of Acme Bank, a $5 billion institution located in Metropolis, USA. Acme has doubled its size in the past five years with acquisitions of smaller community banks.

Customer Experience 112

Customer Experience Analytics Management Operations 112

Independent Banker

FEBRUARY 24, 2016

Welcome to the Crescent City, where the largest educational gathering of community bankers convenes this month. It’s Community Banking LIVE 2016 in New Orleans. For the most current information about Community Banking LIVE 2016. One thing I think is really important for community banks is customer experience.

Community Bank 70

Community Bank Community Innovation Customer Experience 70

ABA Community Banking

OCTOBER 1, 2019

Heated competition for bank funding is an increasingly important focus for community bank leaders, according to an annual survey released today by the Federal Reserve, the FDIC and the Conference of State Bank Supervisors.

Survey 49

Survey Community FDIC Community Bank 49

Jeff For Banks

JULY 8, 2017

They must not see falling oil prices, weak GDP growth, falling gold prices, a narrowing Treasury-TIPS spread, rising debt levels, lower consumer spending, a low labor force participation rate, low productivity, and consumer prices so weak that major retail companies are closing stores at a record pace. Rising debt levels will not stop them.

Marketing 60

Marketing Community Bank Data Security 60

Jeff For Banks

MAY 31, 2022

Consider the cost of a Starbucks Venti Frappuccino: now retailing at $5.25 Sam Weller 5/16/2022 Dorothy Jaworski has worked at large and small banks for over 30 years; much of that time has been spent in investment portfolio management, risk management, and financial analysis. Think that’s bad?

Marketing 60

Marketing Community Bank Community Management 60

Jeff For Banks

JUNE 2, 2023

In the late 90s, low interest rates made speculative equity investments more attractive than bonds, and at the same time, innovative internet companies grew in popularity among retail investors, professional traders, venture capitalists, and the like (familiar?). We thought our customers would stay with our bank, no matter what.

FDIC 60

FDIC Community Bank Regulation Lending 60

Jeff For Banks

APRIL 27, 2019

The economy is slowing, as seen in the auto, housing, manufacturing, and retail sectors. 04/15/19 Dorothy Jaworski has worked at large and small banks for over 30 years; much of that time has been spent in investment portfolio management, risk management, and financial analysis. Who said anything about rate cuts?

Marketing 60

Marketing Community Taxes Community Bank 60

Jeff For Banks

AUGUST 1, 2019

Although the economy is looking a little bit tired, I believe that consumers will continue to spend, with retail sales rising, albeit with some volatility. Dorothy has been with Penn Community Bank and its predecessor since November, 2004. The Outlook I am sticking to my forecast of real GDP growth of +2.0% in 2018 and +3.1%

Marketing 60

Marketing US Community Bank Community 60

Gonzobanker

DECEMBER 22, 2020

Banks and credit unions had to fundamentally change their delivery, support and relationship management models at scopes and speeds that were unheard of. And how did community banks and credit unions respond to the COVID craziness? Jill is continually demonstrating just how loud a $300 million community bank can roar!

Idaho 179

Idaho Community Industry Strategy 179

Fintech Labs Insights

AUGUST 22, 2024

9Spokes: Raised $17M for its comprehensive business management platform; increasing partnerships with major banks. Flybits: Raised $44M for its personalized marketing solutions; attracting major retail partners. Stratyfy: Raised $12M, decision intelligence technology gaining traction, particularly in risk management.

San Francisco 15

San Francisco New York San Jose Tools 15

Fintech Labs Insights

SEPTEMBER 1, 2015

Advisor Software is a Cloud provider of sophisticated wealth management and digital investment advice APIs and apps for financial services enterprises. Alfa-Bank offers a wide range of products and operates in all sectors of the financial market, including corporate and retail lending. Blockstack.io

Company 12

Company Software Analytics Mobile 12

Gonzobanker

DECEMBER 20, 2019

. ————————————————————————— The ‘En Vogue’ Trend of the Year – Credit unions buying community banks. So many miles to go, retail bankers! The Tech Award – Goes to Capital One.

Idaho 148

Idaho Data Conference Marketing 148

Jeff For Banks

JULY 1, 2024

Consumer spending and retail sales are declining this quarter as people cope with high inflation, especially on food prices. Retail store closings have escalated as sales weaken and retail theft skyrockets. Dorothy recently retired from Penn Community Bank where she worked since 2004. Manufacturing is weak.

Marketing 119

Marketing Conference Policies Survey 119

Gonzobanker

MARCH 23, 2020

Retail-oriented banks and credit unions should estimate percentages of customers who will be impacted based on industry codes. Commercial banks need to assess customer cash flow changes and cash on hand. Banks that were once “too big to fail” aggressively used their scale and evolved into “too big to lose.”

Community Bank 131

Community Bank Tools Case Study Online 131

Gonzobanker

DECEMBER 22, 2015

Bank Innovation named Jill one of the 10 most innovative CEOs in banking for 2015, and we doubt that Bank Innovation would know who Jill is if not for her presence on Twitter. Jill’s use of Twitter is a model for any bank CEO looking to engage on social media. Community bank marketing resources. Just asking.

Community Bank 60

Community Bank Apple Technology Community 60

Gonzobanker

MARCH 21, 2017

The stories that dug the chasm of mistrust between vendors and banks and credit unions are endless: Fiserv made customers listen to promises of an Acumen credit union core system and the future power of the Aperio BPM system. FIS promised IBS/Temenos “best of” product combination. Either double down on U.S.

Phoenix 60

Phoenix Lending System Technology 60

Gonzobanker

MARCH 21, 2017

The stories that dug the chasm of mistrust between vendors and banks and credit unions are endless: Fiserv made customers listen to promises of an Acumen credit union core system and the future power of the Aperio BPM system. FIS promised IBS/Temenos “best of” product combination. Either double down on U.S.

Phoenix 60

Phoenix Lending System Technology 60

Abrigo

MAY 8, 2024

Seeing generative AI use cases can help bankers, risk managers, and financial crime professionals better understand it. They can more easily consider how to harness genAI's power to enhance their operations, compliance, risk management, and member or customer experience.

Examples 221

Examples Fraud Resources Risk Management 221

Gonzobanker

DECEMBER 22, 2014

Bank Acquisition of the Year - BB&T Corp. Nice community bank culture fit between the two as well. Bank Merger of the Year – California United Bank and 1 st Enterprise Bank in Los Angeles. Retailer of the Year that Caused the Most Project Heartache in Bank I.T. Risk Management. ???

Los Angeles 101

Los Angeles Apple Risk Management California 101

Jeff For Banks

MAY 4, 2020

Readers note: You can also view this post on Penn Community Bank's website. Parts of the economy are still running including the essential services of grocery stores, electric, water, cable, Internet and Wi-Fi, hospitals, banking, phone services, post office, trash pickup, and trucking and delivery services. Click here.

Marketing 60

Marketing Philadelphia Community Bank US 60

Gonzobanker

DECEMBER 19, 2024

Digital Deal of the Year (Bank) Q2 s win of $9.4B Byline Bank in Chicago. The bank made the decision for a digital banking change on both commercial and retail to grow deeper in existing markets as well as position for future growth. Digital Deal of the Year (Credit Union) Candescent D3s June win of $19.5B

Fraud 88

Fraud Fintech Marketing Industry 88

Gonzobanker

DECEMBER 17, 2021

Simultaneously the bank invested in Paladin Fraud, Trabian Technology, and Chartwell Compliance to provide compliance and risk management solutions in the complex and connected web of fintech partnerships. Goes to Eric Sprink, Coastal Community Bank , Everett, Wash. Has it worked? 82% to over 2.3% Inspirational?

Fintech 146

Fintech Strategy Leadership Lending 146