South State Correspondent

JANUARY 10, 2024

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.

Community Bank 195

Community Bank Community National Regional 195

PYMNTS

APRIL 14, 2020

To provide regional and community banks with a full-scale solution to manage and grow their FX programs, FinTech firm Derivative Path, Inc. Our industry-leading rates platform now combined with Currencycloud’s capabilities will make our offering even more powerful for our regional and community banking clients.”.

Regional 181

Regional Community Bank America Community 181

South State Correspondent

AUGUST 29, 2022

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.

Community Bank 195

Community Bank Community Strategy Regional 195

South State Correspondent

AUGUST 29, 2022

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.

Community Bank 195

Community Bank Community Strategy Regional 195

Independent Banker

JANUARY 31, 2022

Here’s how four community banks are thriving in this environment. This region has the kind of energy that draws people to a place and helps them and their businesses thrive. That year, installations further south, in the region that includes Brownsville and Corpus Christi, supported an estimated 41,000 jobs and contributed about $4.6

Texas 182

Texas San Antonio Community Bank Community 182

PYMNTS

SEPTEMBER 24, 2020

smaller community banks and credit unions (CUs) stepped up to the plate and, according to the Small Business Association (SBA), ended up facilitating more than half of PPP loan volume to SMBs. That's good news for community banks and credit unions, which could see a wave of new SMB customers and members in the coming months.

Community 193

Community Community Bank Regional Lending 193

South State Correspondent

JULY 7, 2016

Until approximately ten years ago, interest rate loan hedging (using swaps) was prevalent for national and larger regional banks, but most community banks avoided loan hedging for various reasons. In the last ten years, more community banks have started to offer their borrowers some form of loan hedging option.

Community Bank 150

Community Bank Community Regional National 150

South State Correspondent

AUGUST 1, 2016

If you have to battle the large national or regional banks for treasury management business, then you are in luck because competition is easy. Of course, many community banks don’t feel that way, but often that is because they have the wrong approach.

Community Bank 150

Community Bank Community Management Conference 150

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.

Community Bank 172

Community Bank Community Montana Taxes 172

Abrigo

JANUARY 22, 2015

According to a recent survey from four Federal Reserve Banks, small regional and community banks have the highest approval rate for small business loans. Small regional and community banks had a much higher approval rate (90 percent) for those firms classified as “Growers.”

Community Bank 150

Community Bank Community Regional Cleveland 150

PYMNTS

MAY 12, 2020

Local and regional banks may have once been more insulated from these trends than other businesses since they are often trusted names within their communities and maintain long-standing relationships with their customers. In contrast, national bank customers are less likely to switch FIs, with 25.9 Our research shows that 28.5

Regional 241

Regional National Cards Mobile 241

Independent Banker

NOVEMBER 24, 2014

ICBA inaugurated its Community Banker of the Year award program this year to recognize the exceptional work of the individual employees of ICBA member community banks. The association accepted nominations online throughout the month of September, allowing anyone to recommend a community banker for consideration. The Judges.

Community 116

Community Wyoming Oakland Regional 116

Banking Exchange

AUGUST 21, 2019

Community banks are facing tremendous competitive pressures from regional, national, and global banks Technology Feature3 Fintech Feature Financial Trends Community Banking Customers Core Systems Branch Technology/ATMs Outsourcing/Cloud Tech Management Mobile Online Cards Checks/Remote Deposit Capture.

Community Bank 102

Community Bank Community ATM Regional 102

PYMNTS

JUNE 12, 2019

To bring their merchandise in front of millions of shoppers through eCommerce, several Goodwill regions are teaming with mobile marketplace OfferUp. With the tie-up, the items are listed under handles for regional Goodwill locations. People who shop at Goodwill triple their impact.

Regional 145

Regional San Antonio San Francisco New York 145

PYMNTS

JANUARY 31, 2019

is set to see its first new community bank in decades, as the Federal Deposit Insurance Corporation (FDIC) lent its approval for MOXY Bank to launch in Washington, D.C. With clearance to move forward with its plans, the community banking landscape will see its first new industry player in years. have emerged to do.

Community Bank 122

Community Bank Community FDIC Marketing 122

South State Correspondent

SEPTEMBER 30, 2024

In Q2/24 the average return of asset (ROA) for community banks (under $10B in assets) was 1.08%. But within the community banking sector, performance varied among banks significantly and a large swath of banks need to improve ROA. of community banks reported negative ROA. While the average ROA was 1.08%, approximately 5.7%

Community Bank 195

Community Bank Community National Regional 195

PYMNTS

MARCH 18, 2020

The first $15 million will go to groups directly dealing with how the virus is affecting people directly, with $5 million to institutions that handle community development, to dole out low- or no-interest loans. The bank has earmarked $3 million to international groups that provide the same service.

Arlington 214

Arlington Seattle Washington Virginia 214

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.

Community Bank 131

Community Bank Community Fintech Lending 131

Abrigo

NOVEMBER 21, 2014

Nationally, the picture is a fine one. bank and credit union, named the “ Top 15 community banks by commercial loan growth.” The list identified a significant uptick in commercial and industrial lending in the South, as 7 of the 15 community banks included are located in the region.

Lending 186

Lending South Carolina Miami Community Bank 186

PYMNTS

JULY 1, 2016

Singapore is on a mission to build up a Smart Nation by utilizing innovation and technology to create opportunities and strengthen communities. Startups are estimated to employ nearly 300,000 on the island nation. Singapore is poised to become the world’s first country to make the notion of a “Smart Nation” an actual reality.

National 133

National Training Bitcoin Samsung 133

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.

Community Bank 195

Community Bank FDIC Community National 195

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.

Community Bank 195

Community Bank FDIC Community National 195

PYMNTS

MARCH 26, 2020

To regain some of that ground, Connie Davis, senior vice president at FIS , told PYMNTS in a recent interview, FIs — particularly credit unions (CUs) and community banks — must transform the way they think about digital offerings and connected experiences. That means they can compete more effectively against digital-only competitors.

Community 247

Community Community Bank Mobile Cards 247

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.

How To 195

How To Community Bank Community National 195

South State Correspondent

JUNE 10, 2015

In the course of our work with community bankers, we deal with hundreds of banks across the country and talk to thousands of lenders. Competition is intense and every lender is looking for an advantage against the national or regional bank.

Lending 150

Lending Marketing Regional Course 150

South State Correspondent

MARCH 5, 2024

In this article, we will consider how and why loan size is one of the most significant drivers of profitability for community banks and what community banks can do to improve performance. However, a community bank’s average commercial loan size is between $250k and $500k. Some of the results are shown in the table below.

Community Bank 195

Community Bank Community National Lending 195

South State Correspondent

MARCH 5, 2024

In this article, we will consider how and why loan size is one of the most significant drivers of profitability for community banks and what community banks can do to improve performance. However, a community bank’s average commercial loan size is between $250k and $500k. Some of the results are shown in the table below.

Community Bank 195

Community Bank Community National Lending 195

PYMNTS

APRIL 16, 2019

Among the most recent headlines, in Asia this past week, the Monetary Authority of Singapore (MAS) and the National Bank of Cambodia have signed a memorandum of understanding (MOU), that Business Times said will boost partnerships on FinTech and financial services innovation. The banks have also agreed to share data on emerging markets.

Fintech 211

Fintech San Francisco National Innovation 211

PYMNTS

OCTOBER 5, 2016

Higher end regional malls are helping to fuel the resurgence, as smaller retail space in community centers continue to decline. Nationally, the vacancy rate for neighborhood and community shopping centers rose 10 percent, up 10 basis points compared to the second quarter. Although there was an additional 2.53

Community 166

Community Retail Regional National 166

South State Correspondent

JUNE 5, 2024

The typical published analysis considers the industry in aggregate which conflates the challenges and opportunities at community banks (those under $10B in assets). Second, much of the increase in COF for community banks is the result of shrinking non-interest bearing DDA being replaced with higher cost CDs (see graph below).

Community Bank 195

Community Bank Community National Marketing 195

Perficient

JULY 1, 2020

As noted below, the motivation of this particular approach is to identify a small segment of the user community that can act as an initial response group. Motivation (Forces): Reduce the impact of a new and potentially disruptive change to the user community. Also Known As: Limited Rollout, Feature Trial, Beta Release, Soak Deployment.

Groups 309

Groups System Community User Experience 309

PYMNTS

NOVEMBER 19, 2019

These steps would allow much more rapid liquidation of an insurance policy, including a ‘disaster dividend,’ or a ‘harm’s way’ claim, which could be used to pay for evacuation-related expenses,” the agency stated in its latest National Advisory Draft Report to the FEMA Administrator.

blockchain 217

blockchain Puerto Rico Virgin Islands United States 217

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. A community bank may transact one or only a few balance sheet hedges over many years.

How To 195

How To Community Bank Community FDIC 195

South State Correspondent

AUGUST 19, 2024

That is exactly what is happening in the community bank industry. In Q2/24, community banks (those under $10B in assets) were able to expand net interest margin (NIM) by 3bps but experienced a 12bps reduction in return on equity (ROE). We’ll explain why we believe this is occurring and ways that community banks can reverse this trend.

Community Bank 195

Community Bank Community Analysis Capital 195

Banking Exchange

JANUARY 25, 2023

Biggest regional banks should be held to same standard as the largest national institutions, says ICBA Community Banking Feature3 Feature Retail Banking Compliance Compliance/Regulatory

Community Bank 78

Community Bank Community Compliance Regional 78

PYMNTS

OCTOBER 6, 2020

Demographic issues also skew the evolutionary efforts of the country’s biggest banks, as PYMNTS research shows that while affluent consumers primarily do business with national banks, credit unions and digital banks, lower-income consumers tend to use regional and community banks, or PayPal.

Digital Banking 256

Digital Banking ATM Mobile Atlanta 256

Abrigo

DECEMBER 4, 2015

Sageworks consultants have hosted and spoken at roughly two dozen regional and national events and industry conferences attended by hundreds of banking and credit union executives, regulators and industry professionals. See upcoming regional and national events hosted or attended by Sageworks here.

North Carolina 150

North Carolina Ohio DC Regional 150