PYMNTS

MARCH 6, 2020

But for financial institutions (FIs), some of which have been around for decades, understanding how to take the first steps in the digitization process can be an overwhelming task. That’s even more true for community banks, which lack the resources larger FIs have to support modernization initiatives and technology investment efforts.

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Perficient

AUGUST 31, 2020

To help with this process, we at Perficient have compiled our favorite tips and how-tos for elevating your marketing mix and improving your brand’s visual narrative. Useful on so many platforms, pictures are an integral part of communicating your brand to the right audience. First up in the series: graphics.

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South State Correspondent

FEBRUARY 24, 2025

In a competitive market for commercial clients, each loan feature can be valuable to a community bank. Many community banks will waive a prepayment provision under certain circumstances, such as the sale of the collateral or an internal refinance. One such loan feature is a prepayment provision on fixed-rate loans.

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Perficient

FEBRUARY 10, 2021

While the Centers for Disease Control and Prevention(CDC ) recommends healthcare consumers over 65 get vaccinated, few communications have targeted these groups or provided understanding and navigation to how to access the vaccine in their community. How are you reaching them?

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Perficient

SEPTEMBER 8, 2020

Use Gifs to Increase Your Marketing Efforts. See the first post, How to Design Eye-Catching Graphics. If a picture is worth a thousand words, how much more valuable could a gif be? How to Pronounce Gif. The Rise of Gifs in Social Marketing. There are many reasons to leverage gifs within your marketing mix.

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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.

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PYMNTS

JANUARY 25, 2021

Over the past 10 months, that embrace has been retooled and refined to the point where today the IT department appears to be embedded in the marketing department. Having grown up as digital natives,” Kammerzell said, “they understand — maybe better than any preceding generation — how to access information.

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Abrigo

MAY 24, 2024

The FedNow Service enables community financial institutions to stay competitive by meeting instant payment demands. Takeaway 2 It's important to review resources on how to prepare for FedNow and also look internally to create a plan for your unique financial institution. Implement it smoothly with these tips on preparing for FedNow.

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Perficient

MARCH 15, 2021

As we continue our series of posts on making HIPAA work for you, I am going to address a common problem we hear from health care marketers: “My board/boss/CMO/Legal Counsel says we cannot use patient data for marketing communications.”. So what’s a modern, data-driven marketer to do? This is a tough one.

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Independent Banker

FEBRUARY 28, 2023

Illustration by The Laundry Room/Stocksy Customer data fuels efficient and effective marketing these days. 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.

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Abrigo

NOVEMBER 13, 2024

In conversations with community banks and credit unions across the country, we’re hearing about a significant increase in line utilization, raising questions about both liquidity and credit risk. How do you gauge competitor loan rates ? However, recent data from Abrigo shows that privately held companies across the U.S. Nearly all U.S.

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South State Correspondent

AUGUST 21, 2022

Last week we wrote about loan-level vs. balance sheet hedging for community banks and provided our loan proposal generator ( HERE ). We compared and contrasted the two strategies and sized the market for community banks. How Your Hedge Provider Can Be Relational . Why Community Banks Use Loan-Level Hedging.

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Perficient

DECEMBER 30, 2020

As a global company, 2020 has allowed us to collaborate with each other in new ways, fueling team spirit, connection, and community. During our “Make a December Difference” campaign , each of our 4,500 employees across the world received $100 to pay it forward toward the charity, fund, community, or cause that is most meaningful to them. .

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South State Correspondent

FEBRUARY 27, 2024

Community bankers need to practice realistic loan pricing discipline. However, we need to understand the meaning of pricing discipline and its effect on community bank performance. Market Intelligence We analyzed the last 1000 loans priced on our hedging desk, and the credit spread, and size are plotted below.

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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. Additionally, consider how accurate the data is – do you trust it?

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South State Correspondent

SEPTEMBER 20, 2022

Last week, the American Banking Association (ABA) held its annual Bank Marketing Conference in Denver, receiving rave reviews. The theme was – developing your marketing superpowers. Amid the brewery networking, superhero costumes, and fun, some fantastic bank marketing lessons were had, and not just for bank marketers.

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South State Correspondent

APRIL 9, 2024

We estimate that the average contractual loan commitment for term credit at community banks has decreased from just under five years in 2022 to just under three years currently. Community banks should carefully consider the prudence of such a strategy from both a risk and revenue perspective. cuts through the end of the year.

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South State Correspondent

APRIL 19, 2023

In this article, we will look at deposit performance data related to high balances and show how banks can dramatically increase value by restructuring relationship-based products and better-allocating marketing/sales dollars more efficiently. This is over three times the life of a money market account that is over $1mm in balances.

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South State Correspondent

JANUARY 25, 2024

If rates rise, the bank eats this cost often not knowing that there is a negative mark-to-market value on the loan from Day One. Community banks also offer forwards to poach customers from other banks. As we have discussed before ( HERE ), one common lending mistake is for lenders to hold a rate constant during underwriting.

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South State Correspondent

NOVEMBER 15, 2022

Produce under, and, well, you are going to have to do some good marketing to talk investors into believing you are better than the next similar investment alternative. We then utilize a bank’s “beta” or volatility to the relative market to adjust further for specific bank risks. Why Calculate Your Cost of Capital?

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Perficient

OCTOBER 26, 2020

While availability of 5G coverage is still limited in the United States, businesses should consider how to start building capabilities and products that leverage 5G now. Consumer markets have tried to deliver Immersive and personalized customer experiences with fits and starts, but with limited success. Video/Live Streaming.

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Perficient

MAY 28, 2020

From crisis to recovery, healthcare providers have been on the front lines for months, protecting the health, safety and well-being of communities nationwide. The big question: when will patients come back – and how quickly? The market for patients has been dramatically impacted by COVID-19. How to Learn More.

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Abrigo

JUNE 28, 2024

WATCH Takeaway 1 Many financial institutions are questioning where rates are headed and how to structure their ALM strategies accordingly. Rising-rate environment Planning ALM strategies In today's volatile economic landscape, managing interest rate risk has become a top priority for community banks.

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South State Correspondent

AUGUST 5, 2019

It sometimes pays to be opportunistic in marketing your community bank’s products. There is currently an exceptional market opportunity for community banks to win profitable business from larger competitors.

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Abrigo

MARCH 13, 2020

Key Takeaways In today's uncertain economic climate, community financial institutions must resolve to manage risk and drive growth. The coronavirus has sent shockwaves through the markets around the globe. The coronavirus has sent shockwaves through the markets around the globe. Wrangling documents. Pricing loans profitably.

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South State Correspondent

JUNE 27, 2024

Add a three month CD option for your customers and the duration of your money market accounts can noticeably get reduced. In this article, we look at how size and deposit value are correlated and discuss ways that banks can have greater intent in building franchise value through deposits. Bank of America is the same way.

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South State Correspondent

MARCH 16, 2022

To make it into the podium, bankers must not only understand how to work with structural components but how to position them for the most efficient application of the creation of value. In this article, we focus on prepayment provisions and look at how a past gold medal winner does it. Prepayment Provisions Not Penalties.

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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. Philadelphia.

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Abrigo

DECEMBER 17, 2021

The fintech market is growing exponentially, and it can feel overwhelming trying to decide which vendor would be the best partner for the financial institution. How to Establish Quality Fintech Partnerships. How is Your Institution’s Loan Review Function Organized? The support we get from Abrigo is a huge factor. Download Guide.

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South State Correspondent

DECEMBER 11, 2022

The yield curve shape is an excellent opportunity for community bankers to provide sound risk mitigation and balance sheet management advice to borrowers. We see many community bank borrowers desperately seeking a trusted advisor to help guide them through this volatile cycle. Community banks pride themselves as relationship lenders.

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South State Correspondent

OCTOBER 4, 2022

The Federal Reserve Open Market Committee (FOMC) has raised short-term interest rates by 3.00% in the six months between March and September. The market is now forecasting an additional 1.25% in hikes by year’s end, with the next move coming on November 3rd. Bankers As Trusted Professionals.

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Perficient

SEPTEMBER 29, 2020

In August, we surveyed 154 marketing executives to find out what they think is likely to happen this holiday season and how they’re preparing for it. What will be different this holiday season and how to adjust your strategy accordingly. How to determine if your priorities or investments should change.

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Independent Banker

NOVEMBER 30, 2022

Community Financial Services Bank, Benton, Ky.; In our annual workplace survey, employees of ICBA’s best community banks to work for told us they benefit from engaging cultures, opportunities for advancement and innovative benefits. I don’t know how to describe that feeling, honestly. Bank of Montana, Missoula, Mont.;

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Community Bank Community Montana Leadership 169