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

South State Correspondent

JANUARY 6, 2025

A credit tenant loan (CTL) is typically structured as a loan secured by the real estate pledged as collateral, with or without personal borrower guarantees, and, most importantly, the obligation of a credit-rated tenant of that real estate to pay rent. But we feel that CTLs offer community banks profitable lending opportunities.

Community Bank 195

Community Bank Community Examples Lending 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.

Community Bank 172

Community Bank Community Phoenix Arizona 172

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

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

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

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

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. Secure your telecommunications. By William Atkinson.

Community Bank 134

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

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). ” Fiserv, FIS and Jack Henry have secured 90 percent of U.S.

Community Bank 123

Community Bank Community New Jersey Fintech 123

Bank Innovation

FEBRUARY 25, 2020

With the funding, the bank plans to invest in its digital capabilities, providing services that include mobile deposits, secured and unsecured commercial loans, letters of credit and consumer loans. Bank CEO Ed Jones wants Gulf Capital to model community banking relationships, in which […].

Houston 273

Houston Tools Community Bank Capital 273

PYMNTS

NOVEMBER 16, 2018

Small business credit analysis company PayNet is linking up with a community bank to streamline SMB lending for the institution. In another statement, BNB Bank EVP and Chief Lending Officer Kevin L. . ” Analysis has also found that community banks are playing a larger role in small business lending.

Community Bank 134

Community Bank Community Lending Analysis 134

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.

Community Bank 122

Community Bank Community FDIC Marketing 122

PYMNTS

APRIL 2, 2019

MOXY bank , preparing to be one of the first new community banks to launch in the U.S. in decades, has announced that it is working with technology solutions company NYMBUS to integrate its core digital banking and payment services.

Community Bank 117

Community Bank Community FDIC Washington 117

South State Correspondent

MAY 25, 2020

Still, the majority of banks have now eliminated two possible scenarios: 1) Best case scenario – that nothing will change from February 2020; and 2) Worst case scenario – that the pandemic will not end in the foreseeable future and banks should avoid loans and invest in riskless securities.

Community Bank 150

Community Bank Community Lending Security 150

South State Correspondent

JANUARY 4, 2021

A credit tenant loan (CTL) is a loan secured by the real estate pledged as collateral and the obligation of a credit-rated tenant of that real estate.

Community Bank 150

Community Bank Community Security 150

Abrigo

FEBRUARY 6, 2025

The right technology tools can help institutions manage both regulatory compliance and risk exposure across various investment types, including fixed-income securities, structured notes, derivatives , and funding instruments. You might also like this on-demand webinar, "Winning the deposit game."

Compliance 195

Compliance Technology Operations Risk Management 195

Abrigo

MARCH 5, 2025

Data security is also a major concern. Addressing bankers worries about utilizing AI-powered tools, Kirby reassures, Yes, its secure. Abrigo knows better than to mess around with data privacy in banking. These tools are built with data encryption, robust access controls, and compliance baked in from the start.

Risk Management 195

Risk Management Management Tools Compliance 195

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

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

Bank Innovation

FEBRUARY 3, 2020

Smiley Technologies, a core banking provider focused on community banks, is trying to help its bank clients secure larger deposits by partnering with deposit technology company Reich & Tang.

Community Bank 221

Community Bank Software Community Technology 221

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.

Community Bank 91

Community Bank Community Payments Meeting 91

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 Community Bank System 334

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

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.

Security 148

Security Fraud User Experience California 148

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.

Community Bank 239

Community Bank Community Industry Texas 239

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

MAY 27, 2020

There’s another side to contactless that moves beyond convenience and ties into security. And that is something that merchants, as well as community banks and credit unions, must be prepared for.”. He stated that near-field communications (NFC) also had been a useful tool in combating fraud. Getting Prepared.

Mobile 280

Mobile Community Bank Cards Community 280

South State Correspondent

OCTOBER 9, 2019

In 2017, ARRC (Alternative Reference Rate Committee) identified the alternative reference rate in the US as SOFR (Secured Overnight Financing Rate). Most community banks use LIBOR sparingly in their loan and deposit contracts.

Community Bank 170

Community Bank Community Regulation US 170

South State Correspondent

AUGUST 21, 2023

However, that publication, directly and indirectly, identified three discrete risks affecting community banks. We will outline what we think community bankers should glean from this publication. Risks to the Community Banking Sector Moody’s identified three risks to the banking sector, including risks to community banks.

Community Bank 195

Community Bank Community Capital Analysis 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

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. How Banks Can Compete Against Insurance Companies and CMBS. Solution Parameter. Differentiation.

Company 195

Company Community Bank Community Lending 195

PYMNTS

MAY 28, 2020

In the May Digital-First Banking Tracker® , PYMNTS explores the latest in the world of digital-first banking, including the challenges facing deployment of APIs amid the COVID-19 pandemic, new online initiatives from nationwide FI chains and community banks and the security challenges that are plaguing digital banking programs.

Community Bank 176

Community Bank Community Security Digital Banking 176

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

Independent Banker

AUGUST 31, 2022

ICBA’s Bank Security Institute offers critical incident response strategies to keep your physical branch location safe. The pandemic forced industries to accelerate their adoption of digital applications, and community banking was no exception. In August, ICBA hosted the Bank Security Institute.

Community 91

Community Security Community Bank Fraud 91

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