PYMNTS

JULY 7, 2020

For more community banks, the latter strategy can fast-track digitization initiatives. This week’s look at the latest bank-FinTech tie-ups shows Banking-as-a-Service and other FinTech players embracing smaller regional and community banks to elevate small- to medium-sized business (SMBs) and corporate banking offerings.

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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

SEPTEMBER 16, 2024

In Q2/24 the average return on assets (ROA) for community banks (under $10B in assets) was 1.08%, with an average ROE of 10.44%. But within the community banking sector, performance varied among banks significantly. The ROA for the community bank sector is shown in the graph below. Another 16.2%

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South State Correspondent

JULY 15, 2024

We conducted a loan performance analysis for over 5,000 individual hedged commercial loans originated by almost 400 community and regional banks across the country. Universe of Banks We analyzed the performance of hedged loans at community and regional banks with a total principal outstanding of approximately $12B.

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Community Bank Analysis Community Training 195

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.

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South State Correspondent

AUGUST 29, 2022

Over the last 15 years, an ever greater percentage of community banks have embraced some form of interest rate hedging. Approximately 1,000 banks in the country use some form of hedging products to manage risk, generate fee income, or provide product offerings demanded by their customers.

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Community Bank Community Strategy Regional 195

South State Correspondent

AUGUST 29, 2022

Over the last 15 years, an ever greater percentage of community banks have embraced some form of interest rate hedging. Approximately 1,000 banks in the country use some form of hedging products to manage risk, generate fee income, or provide product offerings demanded by their customers.

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Community Bank Community Strategy Regional 195

Abrigo

JUNE 28, 2024

Navigating interest rate management in today's environment As regulators focus on interest rate risk management, read about what financial institutions can do to be ready for a rate drop. You might also like this on-demand webinar, "Navigating uncertain times: Strategies for effective risk management and compliance."

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Community Bank Strategy Community Management 195

South State Correspondent

SEPTEMBER 11, 2023

Therefore, the quarterly profile and Chairman Martin Gurenberg’s commentary on the industry are skewed by the performance of larger banks. In this article, we analyze the underlying data for community banks and focus on the Chairman’s view of the future of bank performance.

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South State Correspondent

JULY 19, 2023

Of the largest 250 banks, 90% are using interest rate swaps, and because these largest 250 banks hold 83% of all loans, interest rate hedging tools are widely used in approximately 75% of the loan marketplace. This is why the current inverted yield curve makes loan hedging especially attractive to community banks.

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South State Correspondent

MARCH 10, 2025

While we are supporters of community banks using loan-level hedging, we continue to see community banks struggle to properly implement and successfully utilize a back-to-back swap (B2B) program. We understand why, and what community banks need to address to make such a program a success.

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Community Bank Community Operations Report 195

South State Correspondent

JUNE 5, 2023

Community bank cost of funds is jumping up. As shown in the graph below, the net interest margin (NIM) for community banks declined 22bps in Q1’23. The question is – what will happen to community bank’s cost of funds from here? Increase product engagement and duration.

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Community Bank Community Industry Strategy 195

Abrigo

MARCH 5, 2025

Generative AI and the new loan review process The evolution of banking and risk management over the past few decades has been nothing short of remarkable. Generative AI in credit risk management is the latest step forward , offering a transformative approach to loan review. Data security is also a major concern.

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Jeff For Banks

MARCH 3, 2025

Our recognition as the #3 community bank in the state by GOBankingRates in 2025 reflects our commitment to Growing, Together with the communities we serve. Yet, the banking industry is at a turning point. To stay ahead, we must blend our community roots with cutting-edge innovation. What is Microsoft Copilot?

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Community Bank Community Minnesota Security 74

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. Investing in digital solutions not only improves the customer experience but also positions community banks as forward-thinking financial partners.

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Abrigo

FEBRUARY 12, 2021

Preparing for 2023 While community banks have until 2023 until they must comply with CECL, there is likely less time than expected. . While community banks have until 2023 until they must comply with CECL, there is likely less time than expected. 2023 CECL Deadline? Steps to Take This Year WATCH Webinar.

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Community Bank Community Data Analysis 195

South State Correspondent

JANUARY 10, 2024

Community banks’ use of swaps (banks’ primary tool to hedge interest rate risk on loans) has increased substantially over the last ten years. Meanwhile, community banks face net interest margin (NIM) and fee income pressure. Only 304 banks (or 6.7% of the total) used swaps directly.

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Community Bank Community National Regional 195

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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Community Bank Community Kansas City Lending 195

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. These include family-owned businesses, community businesses and operating companies.

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Texas San Antonio Community Bank Community 182

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. Bank of Montana: Breaking the mold. Bank of Montana. What great resignation?

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Community Bank Community Montana Leadership 169

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

Jeff For Banks

JANUARY 26, 2023

I recently spoke to a community group, and subsequently a community bank all-staff meeting regarding the definition of a community bank. The FDIC has defined community banks in their December 2020 Community Banking Report that either exclude or include the following criteria: Seems complicated.

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Community Bank Community FDIC Risk Management 147

Abrigo

NOVEMBER 13, 2024

Despite borrowing more and tapping credit lines, they're managing leverage and meeting debt obligations, according to Abrigo's proprietary data. 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. Nearly all U.S.

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South State Correspondent

JUNE 25, 2024

In a previous article [ here ] we discussed why community banks need product managers to ensure that financial products and services are effectively developed, launched, and managed to meet customers’ evolving needs and the bank’s risk and profitability goals. Not all customers are the right fit for the product.

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Lending Management Community Bank Community 195

Abrigo

APRIL 16, 2025

CECL-related proposal from FASB Equipment-financing firms, accounts receivable lenders, and other private firms managing contract-based receivables could benefit under a CECL-related proposal from the Financial Accounting Standards Board (FASB). Need help simplifying CECL?

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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. This action will lead to decelerating economic growth and riskier ventures failing, but sound underwriting will differentiate certain banks from competitors. Conclusion.

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Community Bank Policies Community Marketing 359

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

Abrigo

OCTOBER 22, 2024

At Abrigo, we’ve always focused on helping financial institutions thrive—not just for their own benefit but for the sake of the communities they serve. It’s about supporting the people who safeguard banks and credit unions from the growing threats of financial crime and who keep capital flowing to small businesses and families.

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South State Correspondent

AUGUST 22, 2023

If one product is the future of banking, it is treasury management. 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. This likely creates the most significant single profitability lift for any bank.

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Management Community Bank Survey Community 195

South State Correspondent

DECEMBER 25, 2024

To access your bank, type in the bank name on the right side or use any of the filters to create a group. If you are a domestic community bank, you can access the Health Prediction HERE on our Correspondent Bank “Resource Center.” You can also see a time series of each category.

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The Financial Brand

NOVEMBER 1, 2024

This article More Community Banks Tap Treasury Management for Non-Interest Income appeared first on The Financial Brand. Getting started in treasury demands clear focus on business customers' needs and hiring the right people — often from other banks.

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Community Bank Community Management Branding 35

South State Correspondent

MARCH 13, 2023

Based on the bank’s own filing, and like many banks, SVB did not deploy hedging instruments to manage its securities duration risk. The SVB Takeaway For Community Banks Community banks should continue to monitor their deposit base, liability sensitivities, and duration risks.

Risk Management 221

Risk Management Management Community Bank Community 221

Abrigo

MARCH 3, 2022

In today’s banking world, community banks are focused sharply on shareholders’ expectations for growth in earnings and return on equity. So, how can community banks support earnings and ROE growth in the face of intense regulatory scrutiny and competitive pressures on profitability? Changing Lending Environment.

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Lending Community Marketing Community Bank 195

South State Correspondent

JANUARY 14, 2025

How should community banks think about their balance sheets, product offerings, and client demand in this pivot? Common Sense and Skew in Asset-Liability Management Normally, politicians, especially populists, have a penchant for fiscal expansion. Banks should match asset and liability duration.

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Management Policies Community Bank Community 195

South State Correspondent

APRIL 9, 2025

At present, we track 150+ AI agent platforms that households and business can use right now to manage banking products. While the public is currently focused on booking travel, restaurants and events, soon they will be using agents to optimize their banking. Why Build a Bank Website for AI Agents? The solution?

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