Abrigo

SEPTEMBER 25, 2024

While significantly more efficient than mailing forms to the SBA, there are some shortfalls to E-Tran, and a vendor can help Loan submission platform Leveraging E-Tran for increased SBA lending The U.S. Understanding the role of E-Tran in SBA lending is the first step for banks and credit unions to ensure smooth loan processing.

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Abrigo

NOVEMBER 13, 2024

Bank and credit union leaders can use data to inform small business lending Small businesses are showing resilience. 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. Interest coverage ratios have stayed strong.

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Lending Meeting Data Risk Management 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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Abrigo

FEBRUARY 12, 2025

Community financial institutions have the expertise and local ties to support small businesses, but outdated processes and risk-averse approaches often slow down their loan decisioning. Understand and meet borrower expectations For community financial institutions (CFIs), small business lending presents both a challenge and an opportunity.

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Lending Risk Management Community Fintech 195

Bank Innovation

DECEMBER 19, 2019

Small business lending company OnDeck is expanding its ecosystem of products. Through its application for a bank charter, the company wants to become a full-service digital bank for small businesses it says are overlooked by traditional banks.

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Community Lending Innovation Digital Banking 360

Abrigo

FEBRUARY 13, 2020

Key Takeaways To better serve their community, as well as stay competitive in this fast-moving environment, savvy CFIs are carefully blending digital innovations with their hallmark relationship banking practices. CFIs reinvest in their communities, supporting local businesses and helping community members make financial decisions.

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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). We analyzed various community bank asset bands (under $10B size).

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PYMNTS

SEPTEMBER 17, 2020

Mastercard said it will invest $500 million in Black communities across the U.S. We have an obligation … to be part of the positive change Black communities so rightly need now," said Ajay Banga , Mastercard CEO. "We over the next five years in a bid to address racial disparities in financial services. This is a time for action.

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Abrigo

FEBRUARY 26, 2025

Community banks have a unique opportunity to strengthen their deposit base by embracing digital transformation, optimizing customer engagement, and enhancing their product offerings. Investing in digital solutions not only improves the customer experience but also positions community banks as forward-thinking financial partners.

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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

FEBRUARY 26, 2025

We work with hundreds of community banks across the country that utilize forward rate locks to decrease risk, increase fee income, and stave off competition from national and regional banks. However, hundreds of community banks are now using this same strategy to retain existing clients, win new business, reduce risk, and increase fee income.

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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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Abrigo

FEBRUARY 25, 2025

Automating the key steps that often occur in the back office leads to faster decisions, stronger customer or member relationships, and more profitable lending to small businesses. This article covers these key topics: Cultivating fertile ground for small business lending Do large lenders have an advantage in small business lending?

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PYMNTS

APRIL 8, 2020

As the nation’s traditional financial institutions struggle to cope, alternative lending platforms and other B2B FinTechs are exploring how to put their own technologies to good use. Small businesses, meanwhile, can use the platform to apply online as fewer physical bank branches are available. Funding Circle. Wolters Kluwer.

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Lending Fintech America Technology 245

Abrigo

DECEMBER 22, 2023

The most-read lending & credit blogs in 2023 Probability of default, CECL model validation, and stress testing were among Abrigo's top blogs on ALM, CECL, and portfolio risk this year. download NOW Takeaway 1 The most popular blog posts on the Abrigo site reflect many of the priorities community banks and credit unions had in 2023.

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Lending Risk Management Community Management 221

South State Correspondent

JANUARY 6, 2025

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). Neither our community bank nor the competitor was properly analyzing this credit opportunity.

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Community Bank Community Examples Lending 195

Abrigo

APRIL 25, 2024

Recent data and trends of the small business lending market SMB Lending Insights is a snapshot of current financial trends and metrics that impact small and medium-sized business (SMB) lending and financial institutions. You might also like this guide for smarter, faster small business lending.

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South State Correspondent

SEPTEMBER 11, 2023

In this article, we analyze the underlying data for community banks and focus on the Chairman’s view of the future of bank performance. Community banks were challenged with increasing deposit costs and a lower increase in loan yield than the industry average, leading to a decline in NIM.

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Community Bank Community FDIC Industry 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.

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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. Our analysis demonstrates that loan-level hedging has offered community banks a strong competitive advantage in the current interest rate environment and competitive landscape.

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Community Bank Analysis Community Training 195

Abrigo

FEBRUARY 23, 2022

Loan Decisioning Allows Small Business Lending to Grow Community financial institutions can leverage automated loan underwriting to increase small business lending and achieve consistency. . Takeaway 2 Loan decisioning allows institutions to efficiently allocate credit analysts’ time for profitable small business lending.

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Lending Community Bank Community Analysis 195

South State Correspondent

APRIL 8, 2025

Managing Loan Life – Portfolio Comparisons Assume two community banks with identical $1Bn commercial loan portfolios (same credit quality, overhead and maintenance costs, etc.) Community bankers must strive to increase expected life of their commercial loan portfolios to increase profitability.

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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. To stay ahead, we must blend our community roots with cutting-edge innovation. Phase 3: Innovation (2026) Explore advanced features, like predictive lending analytics.

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South State Correspondent

JULY 19, 2023

However, the adoption of interest rate swaps is much lower at community banks (banks with under $10B in assets), with only a few hundred banks showing interest rate swap volume. Community banks that can maintain margins, increase fee income, and retain deposit-rich relationships will have a tremendous competitive advantage in the near term.

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Community Bank Community Compliance Marketing 195

South State Correspondent

JULY 7, 2024

In commercial banking, lending optionality occurs for liquidity, credit, or interest rates. Another example of interest rate lending optionality is a lack of prepayment protection on loans. This reduction represents 23% of the average NIM for community banks. The only time banks can exercise this right is during a credit event.

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Lending Community Bank Community Exercises 195

Abrigo

FEBRUARY 25, 2022

Personalized Touch with Efficient Service Can Boost Lending Banks and credit unions can boost business lending by combining a relationship focus with transaction-oriented processing. . This competition can only increase as the lending landscape continues to shift.

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ABA Community Banking

NOVEMBER 26, 2024

An approach that not only addresses challenges of access to capital for underserved communities, but one that also builds a customer pipeline for the future. The post Bank Community Engagement: Small-business lending can be a win-win. Here’s how. appeared first on ABA Banking Journal.

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South State Correspondent

APRIL 24, 2022

However, some community banks are still deciding on the correct term lending index to adopt. We believe that having more options for community banks is beneficial. Community banks have used overnight indices such as Fed Funds and Prime for decades, and those are not going away. Robustness/Volume. Representative.

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Lending Community Bank Community Marketing 195

Abrigo

JULY 20, 2024

Ready to catch the next wave of lending growth? Commercial and industrial lending (C&I) will be the next big performance driver for banks and credit unions. You might also like this paper on how institutions can produce smarter, faster lending. C&I lending will be the next “bomb.”

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Lending Risk Management Management Capital 195

South State Correspondent

APRIL 18, 2022

Historically, community banks have relied on net interest margin (NIM) instead of fee income to drive return on equity (ROE). For example, 40% of JP Morgan’s commercial banking revenue is derived from fee income, and JP Morgan’s commercial banking division is composed of middle-market and commercial real estate (CRE) lending.

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Lending Community Bank Community Comparison 195

South State Correspondent

APRIL 4, 2022

While economists may use the shape of the yield curve to gauge future economic strength, bankers should be paying particular attention to the lending curve. The lending curve shows borrowers’ loan coupons for different terms. The lending curve is currently strongly determining borrowers’ demand for loan structures.

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Lending How To Community Bank Community 195

South State Correspondent

NOVEMBER 2, 2022

This has caused more of a yield curve inversion and is a prime opportunity for community banks to use a loan hedging program to offer fixed-rate loans for 20 years. The table above shows that by hedging a commercial loan, community banks can earn about the same starting adjustable rate as the fixed rate a borrower is paying.

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Lending Community Bank Community Meeting 195

Abrigo

APRIL 11, 2025

Feedback from community financial institutions highlights how a vendors team can influence adoption success across the organization. Abrigos customer Community, an interactive forum and events section accessible from products, hosts more than 85,000 online participants each month. They are my allies.

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Technology Software Training Risk Management 195

Abrigo

JULY 25, 2022

Strong demand is a factor in the ag lending outlook ahead Ag lenders can begin taking steps to ensure they are prepared and can provide positive customer or member experiences. The outlook for ag lending has its share of uncertainty. Inflation, rates are factors in ag lending outlook. Farmers expect worse in 2023. Rising inputs.

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Independent Banker

JANUARY 31, 2023

Inspired by the entrepreneurship of lemonade stands, Scottsdale Community Bank created a microloan program. Photo by Brandon Sullivan De novo Scottsdale Community Bank set out to provide microloans to small and mid-size businesses, family organizations and nonprofits—a project that was inspired by the humble lemonade stand.

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