South State Correspondent

MARCH 24, 2025

Our analysis shows that an average community bank can expect $9.7mm NPV of income (about 1% ROA) on a $100mm loan portfolio when the average loan life is seven years, versus only $5mm NPV of income (about 0.50% ROA) on the same portfolio where the average loan life is 2.3 years (both portfolios measured over a ten-year life).

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South State Correspondent

DECEMBER 17, 2024

Community banks (under $10B in assets) serve a key role for borrowers, local communities, and the broader US economy. Community banks are better positioned than many other creditors to follow and adapt to local economies, industries and trends, thereby, being better stewards of capital. The number of U.S.

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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.

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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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Bank Innovation

APRIL 10, 2020

The technological upgrades Happy State Bank made prior to the COVID-19 crisis has helped the lender service and onboard customers digitally and deploy its own SBA Paycheck Protection Program platform in a matter of days, CEO J. Pat Hickman told Bank Innovation.

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South State Correspondent

AUGUST 28, 2019

BANK TECHNOLOGY INVESTMENT Back in the 1980s, there were more banks, smaller banks, and little technology. We were still driving checks around, there was no online banking, and networked ATMs was the latest in bank technology.

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Abrigo

FEBRUARY 26, 2025

While recent interest rate reductions have eased deposit costs, many banking executives expect rates to stay elevated, increasing competition for funds. To succeed, banks must carefully balance competitive offerings with cost control while leveraging technology and relationship-building strategies to attract new deposits.

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PYMNTS

MARCH 6, 2020

That’s even more true for community banks, which lack the resources larger FIs have to support modernization initiatives and technology investment efforts. At the same time, the logistical challenges and competitive pressures associated with digitization remain just as pertinent for community banks.

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Independent Banker

AUGUST 31, 2021

of digital banking customers said they switched to digital banking because of the pandemic. Source: 2021 Provident Bank survey. These days, there’s a lot to contend with as a community bank, from changing consumer behaviors due to the pandemic to uncertainty surrounding the economy and inflation. Quick stat.

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PYMNTS

NOVEMBER 13, 2018

Alloy’s Julieann Thurlow, CEO of Reading Cooperative Bank, said, “Community banks play a special role in the lives of our customers, but we don’t have the same IT and innovation budgets as the big banks to capitalize on that relationship.”

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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.

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Community Bank Community Montana Taxes 172

Independent Banker

JANUARY 31, 2022

With consumer expectations seeming to evolve faster every year, community banks could consider partnering with a fintech to keep up with technological innovation. Those conversations, he says, centered around whether community banks could compete against this brash group of newcomers. Photo by Pogonici/iStock.

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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. The state is growing an impressive technology roster, for example.

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Texas San Antonio Community Bank Community 182

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

Bank Innovation

FEBRUARY 16, 2016

Silicon Valley is coming to banking? That happened long ago — just ask Silicon Valley Bank, a financial institution built to serve the world’s center of innovation. SVB claims it banks a staggering two-thirds Read More. Few bankers can claim better knowledge of what the tech giants are up to. Startups, you say?

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Abrigo

MARCH 2, 2023

Banking technology decisions now affect future growth With the possibility of a recession, community financial institutions may consider a delay or cut in technology spending. Takeaway 2 According to Forrester data, firms pursuing technology-driven innovation grow three to four times faster than industry averages.

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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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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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Abrigo

NOVEMBER 13, 2024

As rates stay high, concerns about credit risk and borrower health are top of mind for bank and credit union leaders, especially as it relates to lending to small businesses. The real issue for many bank and credit union leaders is how to add incrementally to that portfolio in a profitable manner.

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South State Correspondent

JUNE 21, 2022

This regime is now changing, and community banks need to position their lending and deposit portfolios for a period of monetary tightening. In future articles, we will consider how community banks should manage their business model in the face of the end of the easy money economy. Conclusion.

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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. Here are some ideas for strengthening fraud defenses.

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Community Bank Community Fraud Texas 134

Banking Exchange

JULY 11, 2021

In reality, it’s been with us for decades Community Banking Technology Financial Trends Feature Digital Mobile Tech Management Online. For some reason, the term digital still strikes many as new and futuristic.

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Community Bank Community Tools Trends 148

Independent Banker

FEBRUARY 28, 2023

Community banks own an enviable amount of data, but not all are leveraging it to its fullest extent. By Mindy Charski People share important data about themselves with their community bank in myriad ways. Data about existing customers can even help community banks improve their efforts to find new customers.

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Community Bank Community Marketing Data 129

Abrigo

OCTOBER 22, 2024

But here’s where it gets interesting: as threats evolve, so too does the technology used to fight them. But as much as I believe in the power of technology, I also know that the real magic happens when technology is combined with the expertise and passion of the people using it. That’s exactly what AML/CFT professionals do.

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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.

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Community Bank Software Community Technology 221

ABA Community Banking

APRIL 13, 2023

How can community bank emerging leaders take initiative in innovation? Tim Shangle advises bankers to take small steps and explore what new technologies can do. The post Podcast: The just-do-it mindset in community bank innovation appeared first on ABA Banking Journal.

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Community Bank Community Innovation Technology 98

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.

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Resources Community Bank Community Texas 115

Abrigo

NOVEMBER 14, 2024

Although the above example is a large bank, similar enforcement actions are being handed down to community banks. Key strategies to prevent BSA enforcement actions To prevent BSA enforcement actions, banks must prioritize proactive compliance measures. Provide timely updates in response to changes in regulations.

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Compliance How To Training Software 221

Gonzobanker

MAY 17, 2022

As technology buyers, banking executives need to up their game on tech purchases and technology performance management. For regional and community banks there has never been a more frustrating time to be a buyer versus a builder of financial technology. And you may ask yourself, ‘How do I work this?

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Technology Regional Community Bank Community 142

Jack Henry

JANUARY 6, 2021

Reflecting back on 2020, the community banking and credit union industries should be proud of how this unprecedented pandemic and resulting economic crisis was managed. Happy New Year! This familiar wish resonates now more than ever before.

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Financial Technology Trends Technology Community Bank 144

Independent Banker

DECEMBER 31, 2022

We simply need to remember what makes us special as community bankers, and with that as our foundation, we can embrace this season of change in four primary ways: 1. Demonstrating the community bank difference. They want to come into the bank and say, “We need your support to figure things out.” Gaining advocacy wins.

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Community Bank Community Hawaii Washington 218

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.

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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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