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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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MiHC La Puerta Portal Opens the Door to Success for Hispanic Students in Detroit

Perficient

Perficient developed the La Puerta portal framework as a way of giving back to the Detroit community and to pave the way for students to benefit from a college education. The Michigan Hispanic Collaborative’s goal to improve the economic strength of the Hispanic community in Michigan. “We ” In Michigan, only 15.7%

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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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Banks and CDFIs: Partnering for community impact

Abrigo

And to thrive, those customers need economically diverse and healthy communities in which to live and work. Partnering with local organizations to promote the health of those communities is often a top priority for banks. communities where capital tends to be scarce.

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CRA compliance: A data-driven strategy

Abrigo

Partnering with local organizations to promote the health of their economic communities is often a top priority for banks. In recent years, financial institutions have faced increasing regulations regarding their efforts to serve the needs of diverse communities.

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Fraud typologies all financial institutions should know

Abrigo

Connect with an expert Common fraud schemes Check fraud Check fraud is one of the most concerning fraud trends for community banks in 2025. Ponzi schemes A fraudulent investment operation that pays returns to earlier investors using money from new investors rather than legitimate profits. Staying on top of fraud is a full-time job.

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