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.”

Lending 195

Lending Risk Management Management Capital 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.

Lending 221

Lending Trends Capital Strategy 221

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.

Community Bank 195

Community Bank Analysis Community Training 195

Abrigo

APRIL 22, 2024

Recent dynamics of the small business lending market A deep understanding of the small business lending landscape and potential efficiencies can help banks and credit unions grow their portfolios. You might also like this guide for smarter, faster small business lending. Record new business formation and a wider gap between U.S.

Lending 243

Lending St. Louis Community Marketing 243

Abrigo

DECEMBER 18, 2023

Stress testing, monitoring are essential Financial institutions should challenge assumptions about CRE risk while also watching for red flags as they manage the CRE portfolio. WATCH Takeaway 1 Banks and credit unions are critical sources of capital for businesses in their communities, so how institutions assess CRE credits matters.

Risk Management 221

Risk Management Management Lending Capital 221

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. Credit optionality should be easier for commercial banks to manage.

Lending 195

Lending Community Bank Community Exercises 195

Abrigo

MAY 22, 2024

Recent stats and dynamics of the small business lending market Understanding the small business lending landscape and potential efficiencies can help banks and credit unions grow their portfolios. You might also like this guide for smarter, faster small business lending. Record new business formation and a wider gap between U.S.

Lending 195

Lending St. Louis Community Marketing 195

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.

Community Bank 195

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.

National 195

National Lending How To Community Bank 195

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.

Community Bank 195

Community Bank Community Compliance Marketing 195

Abrigo

SEPTEMBER 29, 2022

Construction loan management software Construction loan management softwares are a windfall of efficiency for financial institutions. You might also like this webinar, "How to manage a high-performing construction loan portfolio." Takeaway 2 Using construction loan management software is a good way to mitigate risk.

Software 195

Software Management Lending Tools 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.

Community Bank 195

Community Bank Community Kansas City Lending 195

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

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.

Community 273

Community Lending Management Innovation 273

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).

Community Bank 195

Community Bank Community Management Operations 195

Abrigo

AUGUST 25, 2021

Takeaway 2 A consumer loan origination system can help FIs offer a fully digital retail lending experience. How can FIs overcome retail lending challenges? In today's competitive – and increasingly digital – consumer lending environment, financial institutions will need to find ways to adapt to changing customer expectations.

Lending 195

Lending System Community Retail 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.

Lending 195

Lending Community Bank Community Analysis 195

Abrigo

NOVEMBER 13, 2024

Bank and credit union leaders can use data to inform small business lending Small businesses are showing resilience. Despite borrowing more and tapping credit lines, they're managing leverage and meeting debt obligations, according to Abrigo's proprietary data. Interest coverage ratios have stayed strong. Nearly all U.S.

Lending 195

Lending Meeting Data Risk Management 195

Abrigo

SEPTEMBER 21, 2022

Driving efficiency and reducing risk Construction loan risk management software leverages technology and sound process management to pull construction lending away from its manual roots. You might also like this webinar, "How to manage a high-performing construction loan portfolio." Construction loan risk management.

Risk Management 195

Risk Management Software Management Lending 195

South State Correspondent

DECEMBER 5, 2023

The Concepts Lending Curve: A yield curve shows interest rates associated with different contract lengths for a particular interest rate instrument. While economists may use the shape of the yield curve to gauge future economic strength, bankers should pay particular attention to the lending curve.

Lending 195

Lending Marketing Capital Community Bank 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.

Lending 195

Lending Kansas City Kansas Resources 195

Abrigo

MARCH 13, 2020

Key Takeaways In today's uncertain economic climate, community financial institutions must resolve to manage risk and drive growth. Abrigo’s 2020 Business Lending Readiness Survey identified a number of pain points that thwart business lending growth, from document gathering to lengthy loan turnaround time.

Community 195

Community Lending Analytics Management 195

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.

Community Bank 242

Community Bank Community Fintech Regional 242

Abrigo

JANUARY 17, 2023

Automating SMB and commercial lending elevates your customer's experience From making it easier to apply to speeding up loan closings, automation can helps make business lending customers and staff happier. APIs and digital doc prep ease the workload on your SMB and commercial lending staff, too. . Digital lending.

Lending 195

Lending System Customer Experience Case Study 195

South State Correspondent

FEBRUARY 28, 2023

Many community banks today are willing to underwrite real estate secured loans on just two metrics: debt-service-coverage ratio (DSCR) and loan-to-appraised value (LTV). The relationship between cap rates, interest rates, DSCR, and LTV are all now conspiring to make real estate lending especially perilous.

Lending 195

Lending Community Bank Community National 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.

Lending 195

Lending St. Louis Community Survey 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

Abrigo

FEBRUARY 27, 2020

Key Takeaways Financial institutions who want to maintain a healthy share of business lending this year and through potentially tougher economic times ahead want to be in the best position possible before trouble hits. Abrigo's Business Lending Readiness Survey found many processes stymie those efforts. learn more.

Lending 243

Lending Survey Data System 243

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.

Community 282

Community St. Louis Los Angeles Ohio 282

Independent Banker

JANUARY 31, 2022

Here’s how four community banks are thriving in this environment. Clearly, community banks in the region have plenty of opportunities to do what they do best: forge deep and lasting relationships with their customers and communities. These include family-owned businesses, community businesses and operating companies.

Texas 182

Texas San Antonio Community Bank Community 182

Independent Banker

APRIL 30, 2022

Ashley Horner (right), senior vice president and SBA loan administrator, shown with portfolio manager Melanie Elmore, says Summit Bank is on track to make $30 million in SBA loans this year. Loan providers share an infectious enthusiasm and growing optimism for one vertical’s prospects in 2022: commercial lending. By Beth Mattson-Teig.

Lending 158

Lending Community St. Louis Community Bank 158

Gonzobanker

FEBRUARY 22, 2024

For bankers to be successful in the small business lending market, they need to execute on several key tenets: strategy, people, process and technology. Community banks need to analyze the demographics and varied business segments to identify the growth potential of each market. No two markets are created equal.

Lending 78

Lending Community Bank Community Strategy 78

PYMNTS

OCTOBER 11, 2017

Small business (SMB) lending is big business for community banks , which are a popular destination for small business borrowers, thanks to strong approval rates on loan applications. But new analysis from the Federal Reserve has identified a reversal in community banks’ position in the small business lending market.

Community Bank 108

Community Bank Community Lending Survey 108

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.

Lending 245

Lending Fintech America Technology 245

Independent Banker

AUGUST 31, 2021

Here’s what community bankers need to know when planning their budgets for the next year. These days, there’s a lot to contend with as a community bank, from changing consumer behaviors due to the pandemic to uncertainty surrounding the economy and inflation. Build a lending niche. By Cheryl Winokur Munk. Quick stat. Paul, Minn.,

Community Bank 170

Community Bank Community Lending Leadership 170

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.

Risk Management 221

Risk Management Management Community Bank Community 221

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.

Community Bank 159

Community Bank Community Fintech Risk Management 159