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How National Banks Are Poaching Loans and Deposits

South State Correspondent

community bank management team. The CLO was lamenting how he was losing quality loans and deposits to three aggressive national banks in the territory. While this community bank is not aggressively pricing new loans, losing this commercial credit with a substantial deposit relationship was painful. Last week we spoke to a $1.2B

National 195
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ICBA’s 2021 National Community Bank Service Award winners

Independent Banker

This year’s winners: Left: Central Valley Community Bank, People’s Choice Award; Middle: Kennebec Savings Bank, Exceptional Community Bank Service Award; Right: Cross River Bank, Emerging Service Program Award. Exceptional Community Bank Service Award. Instead, we give those dollars to the community.”. Asset size: $1.36

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OCC Releases Community Reinvestment Act (CRA) Evaluations

Perficient

The Office of the Comptroller of the Currency (OCC) has released 15 Community Reinvestment Act (CRA) performance evaluations. Reviews, which can take weeks, assess an institution’s performance in helping to meet the credit needs of communities, including those of low or moderate income within its assessment area. Evaluation Date.

Community 294
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How To Do Better Against National Bank Lending Competition

South State Correspondent

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
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OCC Releases CRA Evaluations for 16 National Banks and Federal Savings Associations

Perficient

The Office of the Comptroller of the Currency (OCC) has released 16 Community Reinvestment Act (CRA) performance evaluations. Capital One, National Association. Guaranty Bank & Trust, National Association. Modern Bank, National Association. First National Bank of Pulaski. Citizens National Bank of Texas.

National 309
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Loan Hedging for Community Banks in 2024

South State Correspondent

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. Meanwhile, community banks face net interest margin (NIM) and fee income pressure.

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Community Bank Hedging Options

South State Correspondent

Over the last 15 years, an ever greater percentage of community banks have embraced some form of interest rate hedging. However, about one in five community banks offer some form of loan-by-loan hedging products. Each has advantages and disadvantages, and the right solution may differ for each community bank.