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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Community Bank Community FDIC Industry 195

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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Community Bank Community Compliance Marketing 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

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.

Community Bank 195

Community Bank Community Data Analysis 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.

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Community Bank Community National Fresno 196

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

South State Correspondent

NOVEMBER 4, 2024

We are seeing more community banks incorporating prepayment provisions in commercial loans (especially for fixed-rate pricing). Most community banks are utilizing a declining balance prepayment provision – which if properly enforced, can create value for the bank. Increase cross-sell and upsell opportunities.

Community Bank 195

Community Bank Community Strategy Marketing 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

AUGUST 31, 2021

Here’s what community bankers need to know when planning their budgets for the next year. of digital banking customers said they switched to digital banking because of the pandemic. Source: 2021 Provident Bank survey. Here are seven factors community banks should consider as they enter budgeting season.

Community Bank 170

Community Bank Community Lending Leadership 170

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. Swashbuckling, nimble, well-funded and unapologetically entrepreneurial, fintechs are offering innovations that allow community bankers to dream big in a host of ways.

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Community Bank Community Fintech Risk Management 159

Independent Banker

NOVEMBER 30, 2021

Premium benefits packages, professional development and TLC during the pandemic—this year’s winners do everything in their power to keep their community bankers happy and fulfilled. We asked both leaders and staffers to tell us what makes their community banks stand out as employers. Key Community Bank: Leading by example.

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Community Bank Community Texas Leadership 164

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?

Community Bank 169

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.

Community Bank 147

Community Bank Community FDIC Risk Management 147

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

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

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.

Management 195

Management Policies Community Bank Community 195

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

South State Correspondent

OCTOBER 30, 2024

In our previous article ( here ) we analyzed the data on community bank M&A and performance, and we concluded that there is no relationship between community bank size and profitability, as measured by return on equity (ROE). The key insight is to understand how growth translates into bank efficiency.

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Community Bank Community Management Operations 195

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

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.

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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

JUNE 18, 2024

Deposit costs and liquidity remain a challenge for some community banks as competition for core funding remains intense. The graph below compares the liquidity ratio for community banks (under $10B in assets) and banks over $100B in assets. Community banks do have a few strategies for mitigating COF pressures.

Community Bank 195

Community Bank Community Risk Management Management 195

Independent Banker

DECEMBER 31, 2021

Let’s rediscover what it means to be community bankers. Because as community bankers, it’s what we do. That just may be community bankers’ word of the year. Flush customer accounts may enable us to position wealth management services. Considering our communities’ needs is critical to our success as well as theirs.

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Community Exercises Community Bank US 171

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

JUNE 11, 2024

FDIC-insured “Problem Banks” list has been increasing over the past two years. For the community banking industry (banks under $10B in assets), this is particularly troubling as the number of community banks earning negative return on equity (ROE) spiked to 237 institutions in Q1/24, or 5.71% of all community banks.

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Community Bank Community Analysis Capital 221

South State Correspondent

DECEMBER 4, 2024

The immediate and visible cause of bank failure is one of two reasons: bank runs (rapid deposit withdrawals) or poor fundamentals (credit risk, interest rate risk, or fraud). The graph below shows capitalization, net income, NIM and NPL for failing banks in quarters before failure. hurdle), hurts a bank’s long-term performance.

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Community Bank Community FDIC Tools 195

South State Correspondent

AUGUST 19, 2024

That is exactly what is happening in the community bank industry. Unfortunately, bank managers often give their lenders misguided loan compensation, resulting in suboptimal outcomes. We’ll explain why we believe this is occurring and ways that community banks can reverse this trend.

Community Bank 195

Community Bank Community Analysis Capital 195

Independent Banker

FEBRUARY 28, 2022

Tioga State Bank aims for a pragmatic approach to its swag. Promotional merchandise, or swag, has long been regarded as a no-brainer approach to business branding, but community banks are shedding those thrifty connotations with a new, mindful approach to company gifting that imparts value and purpose while bolstering bottom lines.

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Branding Community Community Bank Iowa 167

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

South State Correspondent

SEPTEMBER 20, 2023

The treasury or cash management customer is usually a bank’s most profitable customer on a risk-adjusted basis ( HERE ). In this article, we discuss cash management profitability and rank the most profitable industries for banks to go after. Cash flow stability is also a factor in cash management profitability.

Management 195

Management Survey Industry Community Bank 195

South State Correspondent

JUNE 5, 2024

For banks under $10B in assets, ROE declined to 10.53% in Q1/24 (an 11% decline in the last year). The typical published analysis considers the industry in aggregate which conflates the challenges and opportunities at community banks (those under $10B in assets). For the smaller community banks, DDA balances decreased 9.4

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Community Bank Community National Marketing 195