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The Impact of Reciprocal Tariffs on Community Banking

South State Correspondent

The recent uncertain shifts in trade policies, particularly increased tariffs on imports from China, Canada, and Mexico, have introduced specific uncertainties for community banks. However, for community banks, these challenges can also present some opportunities.

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Community Banks Often Take Risk Without Reward

South State Correspondent

The yield curve is currently flat, and the average community banks cost of funding is highly correlated to Fed Funds and SOFR (the industrys average is over 90% with a about a 6-month lag). Historically, loan hedging required substantial resources for documentation, accounting, legal, marketing and operations.

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What Does and Gen AI Strategy Look Like for a Community Bank?

South State Correspondent

In this article, we highlight some Gen AI strategy insights for community banks and provide tools to help bankers advance their programs. Few community banks have the resources to accomplish both, and both are sizeable efforts. Coming Up Next Banking leaders can leverage Gen AI to address key business and operational challenges.

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Understand This Key Insight Into Bank Efficiency and Profitability

South State Correspondent

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). While size isn’t correlated to profitability, operating leverage is.

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How to Evaluate Business Lending Software for Your Bank

This eBook explains the features of a Business Lending Platform that community banks should make their top priorities when evaluating any business lending software. What should you look for in a Business Lending Platform?

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Community Banks Accelerate FinTech Integrations

PYMNTS

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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Should Your Bank Adopt a Loan Hedging Program?

South State Correspondent

While we are supporters of community banks using loan-level hedging, we continue to see community banks struggle to properly implement and successfully utilize a back-to-back swap (B2B) program. We understand why, and what community banks need to address to make such a program a success.

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Top 3 Banking Secrets to Stay Relevant with Gen Z Consumers

Speaker: Brian Muse-McKenney, Chief Revenue Officer & Matt Simester, Cards and Payments Expert

In this new webinar, Brian Muse-McKenney of Episode Six and Matt Simester of Payments Consultancy Limited will explore the challenges regional and community banks have faced in implementing tailored credit card programs with flexible payment options as a tool to attract and retain the next generation of customers.