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. Loan-level Vs. Balance Sheet Hedging.

Community Bank 195

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. Loan-level Vs. Balance Sheet Hedging.

Community Bank 195

Community Bank Community Strategy Regional 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.

Community Bank 195

Community Bank Community National Regional 195

South State Correspondent

JANUARY 6, 2025

Unfortunately, banks that do not often compete for CTLs tend to misprice these credits by a wide margin. Example of a Credit Tenant Loan A community bank that we work with was lamenting that the competition was undercutting pricing on a CTL by about 10 to 20bps (depending on the term shown).

Community Bank 195

Community Bank Community Examples Lending 195

Independent Banker

JANUARY 31, 2022

Here’s how four community banks are thriving in this environment. This region has the kind of energy that draws people to a place and helps them and their businesses thrive. We spoke with four community banks in the southern half of Texas to learn how they are serving this buzzing region. By Mindy Charski.

Texas 182

Texas San Antonio Community Bank Community 182

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.

Community Bank 131

Community Bank Regional Community National 131

PYMNTS

NOVEMBER 13, 2018

To that end, news came earlier this week in the United States that a dozen community and regional banks have formed a group aimed at exploring the opportunities amid FinTech offerings. The group, to be known as Alloy Labs Alliance, according to a press release , is being managed by FinTech Forge.

Community Bank 183

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.

Community Bank 172

Community Bank Community Montana Taxes 172

Abrigo

JANUARY 22, 2015

According to a recent survey from four Federal Reserve Banks, small regional and community banks have the highest approval rate for small business loans. The 2014 Small Business Credit Survey was a joint operation conducted by the Federal Reserve Banks of New York, Atlanta, Cleveland and Philadelphia.

Community Bank 150

Community Bank Community Regional Cleveland 150

South State Correspondent

JULY 7, 2016

Until approximately ten years ago, interest rate loan hedging (using swaps) was prevalent for national and larger regional banks, but most community banks avoided loan hedging for various reasons. In the last ten years, more community banks have started to offer their borrowers some form of loan hedging option.

Community Bank 150

Community Bank Community Regional National 150

South State Correspondent

AUGUST 1, 2016

If you have to battle the large national or regional banks for treasury management business, then you are in luck because competition is easy. Of course, many community banks don’t feel that way, but often that is because they have the wrong approach.

Community Bank 150

Community Bank Community Management Conference 150

PYMNTS

JANUARY 9, 2018

Community banks approved 49 percent of SMB loan applications in November, according to the latest data from the Biz2Credit Small Business Lending Index. Here, again, lies another opportunity for community banks to fill the void. We urge you to make such legislation a priority.”.

Community Bank 131

Community Bank Community Fintech Lending 131

ABA Community Banking

MARCH 1, 2025

”Indeed, AI can be a tool that takes this mission to the next level.Let’s explore four key areas to help you harness the […] The post AI for Banks: A Starter Guide for Community and Regional Institutions appeared first on ABA Banking Journal.

Regional 75

Regional Community Tools Community Bank 75

PYMNTS

SEPTEMBER 24, 2020

smaller community banks and credit unions (CUs) stepped up to the plate and, according to the Small Business Association (SBA), ended up facilitating more than half of PPP loan volume to SMBs. That's good news for community banks and credit unions, which could see a wave of new SMB customers and members in the coming months.

Community 193

Community Community Bank Regional Lending 193

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

Jack Henry

JANUARY 17, 2022

For decades – maybe even centuries – an individual’s sense of community was most often based on their interactions in a particular physical location. Neighbors, schoolmates, coworkers, and even those with whom they shared a place or method of worship formed a person’s community.

Community 179

Community Community Bank Regional Groups 179

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. That platform will enable those business users to make payments via virtual card, while Mastercard’s In Control solution enhances the security of those transactions.

Community Bank 134

Community Bank Community Cards Software 134

PYMNTS

APRIL 14, 2020

To provide regional and community banks with a full-scale solution to manage and grow their FX programs, FinTech firm Derivative Path, Inc. Our industry-leading rates platform now combined with Currencycloud’s capabilities will make our offering even more powerful for our regional and community banking clients.”.

Regional 181

Regional Community Bank America Community 181

PYMNTS

JULY 3, 2020

People’s United Bank, which operates across Connecticut, southeastern New York state, Massachusetts, Vermont, Maine and New Hampshire, recently demonstrated the growing interest of community banks to collaborate with FinTechs to expand their product offering — just as larger national and multinational financial institutions (FIs) do.

Regional 214

Regional New Hampshire Tools Vermont 214

Banking Exchange

AUGUST 21, 2019

Community banks are facing tremendous competitive pressures from regional, national, and global banks Technology Feature3 Fintech Feature Financial Trends Community Banking Customers Core Systems Branch Technology/ATMs Outsourcing/Cloud Tech Management Mobile Online Cards Checks/Remote Deposit Capture.

Community Bank 102

Community Bank Community ATM Regional 102

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

PYMNTS

MARCH 12, 2018

Chamber of Commerce is voicing its support for legislation that would ease regulatory burdens for the nation’s community banks in an effort to improve access to funding for small business borrowers. According to reports, the Senate is expected to pass the legislation this week.

Community Bank 110

Community Bank Community Regional Regulation 110

BankInovation

MAY 19, 2023

Emerging financial technology companies have built new services and offerings that place the customer experience front and center, providing a flexibility and speed that traditional banking institutions struggle to match. Fintechs are carving into the essence of what regional and community banks have done for generations, […]

Community Bank 85

Community Bank Regional Community Customer Experience 85

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

FEBRUARY 20, 2023

Community bankers need to understand their competitive landscape. 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.

National 195

National Lending How To Community Bank 195

Abrigo

APRIL 18, 2025

For example, bank treasuries in U.S. regional and community banks and credit unions asked their ledger accounting vendor TPG Software how to streamline their derivatives, hedge accounting, and derivative reporting workflow.

Software 195

Software Risk Management System Resources 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

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

Banking Exchange

JANUARY 20, 2021

Greenwoods buys branches from Town Bank, while Santa Cruz County Bank and Mountain America Credit Union announce openings Community Banking Feature3 Feature Management M&A.

Community Bank 78

Community Bank Community Regional America 78

South State Correspondent

FEBRUARY 17, 2025

For the last few years, SouthState Bank Correspondent Division has been hosting lender lunches across the country. Lenders Lunch Material We typically host these lunches for 10 to 20 banks and have anywhere from 20 to 40 bankers in attendance. For example, we highlight that the 80/20 profitability rule does not apply in banking.

Community Bank 195

Community Bank Community Tools Kentucky 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

Community Bank 195

Community Bank Community National Marketing 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

PYMNTS

JANUARY 27, 2021

Digital payment and banking technology provider i2c on Wednesday (Jan. 27) announced partnerships and product launches with Archa , Community Bank of the Chesapeake (CBTC) and Credit Sesame , according to a press release.

Maryland 277

Maryland Community Bank Cards Community 277

Independent Banker

JUNE 30, 2022

We asked community bankers and experts for their advice on ensuring employees feel a sense of belonging. If community banks put in the effort to foster a sense of belonging, the result is a stronger workplace culture, greater employee loyalty and, ultimately, a better experience for customers. Misti Stanton, Mercantile Bank.

Community Bank 91

Community Bank Community Leadership Millennials 91