Abrigo

MAY 8, 2015

In recent months, the momentum around reducing the regulatory burden on the nation’s community banks has continued to gain steam. However, the regulatory landscape continues to evolve, leaving resource-constrained community banks to cope with new demands. The second idea is community bank exemption from the Volcker Rule.

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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

AUGUST 25, 2020

Perficient Colleagues Share How to Build a Successful Career in Technology. But if you have too many other obligations, are too unclear about how to proceed, or have other barriers to accomplishing what you promise, set expectations appropriately and make sure your yes means something.” — Lisa Sherwood , senior agency manager.

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South State Correspondent

JANUARY 25, 2024

Forward Rate Lock Tools National lenders have been using locks for decades, and these instruments can take many forms. Community banks that use our ARC hedging program have used forward rate locks for the following scenarios: Community banks use forward-term loan commitments to offer single-close construction through permanent financing.

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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

DECEMBER 15, 2020

DTE Energy’s interactive microsite educates consumers on how to conserve and use energy differently within their homes. Entries are chosen selected on the quality of the art, advertising impact, or both. The Winning Projects.

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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. This is strong evidence that community banks are pricing to an arbitrary minimum credit spread in this set of loans.

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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. This is by far the most common provision.

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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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Perficient

JULY 8, 2020

Green Team meeting on how to be sustainable during the quarantine. “My colleagues in Chicago go above and beyond in their work, uplifting others both in and outside of our community. Virtual gathering to tackle the slippery slope of declining penguin counts. On the Path to Continued Success.

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PYMNTS

MARCH 9, 2020

PYMNTS fielded a study to a national panel of 1,062 U.S. Ninety-two percent of consumers count their primary bank as either a national bank, regional/community bank or credit union. Bridge millennials are the most likely to play the banking services field, doing business with national banks as well as digital and online banks.

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Abrigo

JULY 16, 2021

Takeaway 2 Regulations haven't been written, but there are steps community financial institutions can take now to prepare. How to prepare. Currently, the accompanying regulations have not been written, so what should community financial institutions take away from these priorities now? financial system and national security.

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Independent Banker

NOVEMBER 30, 2022

Clockwise from top left: Grand Ridge National Bank, Wheaton, Ill.; 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. Grand Ridge National Bank.

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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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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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Perficient

JANUARY 28, 2021

How to Avoid a Phishing Scam. You can get involved at home, at work, and in your community. Learn more about Data Privacy Day , including Privacy Tips for Parents and the chance to quiz yourself with the National Privacy Test and Google Phishing Quiz. Never Reuse a Password: Or else your hard work is for nothing.

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PYMNTS

OCTOBER 9, 2018

However, Dave Gilbert, founder and chief executive officer of SMB alternative lending firm National Funding , said he’s seen a trend of growing traction within the small business community. In its report, S&P found nearly 50 percent of SMB borrowers are too unfamiliar with digital lenders to use alternative finance.

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South State Correspondent

FEBRUARY 22, 2024

For example, at present, return on equity performance is about 12% for the average community bank. A three-year time horizon isn’t long enough if say you want to take your lending platform nationally such as specializing in lending on robotics. Banks consistently produce under their cost of capital. Why is that? is step one.

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Independent Banker

JUNE 30, 2022

But there are ways community banks can help mortgage-seekers get on the property ladder. year-over-year increase in the first quarter of 2022, according to the National Association of Realtors (NAR). So how can community banks help? By Beth Mattson-Teig. Click to enlarge. Plenty of tools in the box.

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Abrigo

MARCH 17, 2015

According to the latest FDIC Quarterly Banking Profile, community banks continue to thrive and lead the industry. percent achieved that threshold in the fourth quarter of 2014 – they aren’t just competing with large, national banks; their community bank counterparts also account for much of their competition.

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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. INTRUST Bank recently announced it is also taking part in the trend of collaborating with FinTechs.

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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. This deposit and loan repricing mismatch caused NIM pressure at community banks.

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South State Correspondent

JUNE 8, 2022

For decades community banks have structured fixed-rate loans with adjustable features – the most popular structure is a ten-year fixed-rate loan with a five-year reprice. With short-term interest rates expected to rise through 2022, many community banks are reconsidering their ALCO strategies. How to Apply to Your Bank.

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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’ main goals are to diligently support their local communities and make an acceptable return on capital in these challenging times.

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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’ main goals are to diligently support their local communities and make an acceptable return on capital in these challenging times.

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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. How long is your to-do list? Janet Silveria, Community Bank of Santa Maria. So, what’s at the top of community bank leaders’ to-do lists?

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Chris Skinner

MAY 1, 2017

Which country is still struggling to work out how to make a faster payment? Back in December, I picked up on this new Office of the Comptroller of the Currency (OCC) Ruling to issue national FinTech bank charters. FinTech community on edge As it turned out, the proposal caused a firestorm among numerous FinTech industry stakeholders.

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Abrigo

AUGUST 13, 2024

You might also like this webinar, "How to confidently navigate AI/generative AI" LISTEN Takeaway 1 An estimated 47% of Americans 12 and older listen to at least one podcast each month, Takeaway 2 With 3.4 Main Street Banking: A Podcast for Community Bankers 8. The Community Bank Podcast 10. Banking with Interest 4.

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Independent Banker

JANUARY 31, 2022

Southern Bancorp partners with other community banks to increase loan accessibility and financial literacy to low-income customers. As CEO of Southern Bancorp, Darrin Williams wants to promote relationships between community banks and CDFIs to create more prosperous communities. Better serving its communities.

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Jeff For Banks

FEBRUARY 20, 2016

On February 14-17 the American Bankers Association held their National Conference for Community Bankers. In terms of taking business from others, the primary, head nodding answer as to how to do it was apple pie. Below are some of the questions addressed, and a summary of ideas on how to attack these challenges.

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Gonzobanker

DECEMBER 12, 2024

Such a shift raises a crucial question for aspiring leaders: How can they position themselves for new opportunities in 2025? After years of conversations with bank CEOs (along with my own experience running and growing a company), Ive compiled observations on what defines leadership today and how to prepare for tomorrow.

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PYMNTS

APRIL 14, 2020

Gig workers’ rights and benefits — including healthcare and access to unemployment — have become key topics debated by regulators in th e United States as they work to figure out how to provide support. Another change to the freelancer community in the U.S. and other countries is the way consumers and regulators th ink about it.

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Independent Banker

DECEMBER 1, 2021

Additionally, a recent survey by FIS shows that 37% of consumers began a new banking relationship with a major national or global bank that had a well-established online portal in the past 12 months. For community banks who are known for putting their customers first, this could be an area of concern.

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Abrigo

MAY 22, 2015

The Office of the Comptroller of the Currency (OCC) recently featured the multifamily rental housing market in a newsletter examining challenges in the market and how financial institutions are engaged in financing multifamily rental housing. Stiel in a section describing underwriting challenges.

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South State Correspondent

FEBRUARY 18, 2024

We recently reviewed a loan term sheet from a national bank for a $13mm commercial real estate (CRE) loan. This particular national bank has the ability to offer the borrower an interest rate hedge or an on-balance sheet fixed-rate loan. The borrower was provided options on the type of hedge and when to execute.

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Jeff For Banks

DECEMBER 15, 2013

If you are consolidating a branch into another in the next town over, select your best people to run the consolidated branch, ideally with residents from each community. Communicate with community leaders - One of the most often cited reason for leaving a struggling branch open is the perception closing it would have with the community.

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South State Correspondent

MAY 9, 2022

In our previous article ( HERE ), we reviewed the banking industry’s cost of funding earning assets (COF), and we compared how community banks’ COF behaves relative to national banks in a rising interest rate cycle. How to Apply to Your Bank. Influences on Deposit Beta.

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