South State Correspondent

FEBRUARY 26, 2025

We work with hundreds of community banks across the country that utilize forward rate locks to decrease risk, increase fee income, and stave off competition from national and regional banks. However, hundreds of community banks are now using this same strategy to retain existing clients, win new business, reduce risk, and increase fee income.

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Abrigo

MARCH 21, 2025

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. This includes geospatial mapping tools to identify underserved areas.

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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.

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Perficient

AUGUST 9, 2022

The financial services industry must consider its customer experience game while also grappling with a sense of distrust from many communities due to systematic barriers, maintaining utmost accessibility due to the essentiality of the business, and the lack of financial literacy across the country. Trust and Transparency. .

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Perficient

SEPTEMBER 16, 2020

Connect with the community in the Community Connect – There are table top topics for community discussion. Setup Meetings – Microsoft has a meeting tool where you can invite others for meetings. It will automatically setup a Teams meeting and the tool has an attendee picker.

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South State Correspondent

DECEMBER 17, 2024

Community banks (under $10B in assets) serve a key role for borrowers, local communities, and the broader US economy. Community banks are better positioned than many other creditors to follow and adapt to local economies, industries and trends, thereby, being better stewards of capital.

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South State Correspondent

SEPTEMBER 16, 2024

In Q2/24 the average return on assets (ROA) for community banks (under $10B in assets) was 1.08%, with an average ROE of 10.44%. But within the community banking sector, performance varied among banks significantly. The Data Behind The Drivers of ROA In Q2/24 the number of FDIC-reporting community banks was about 4,100.

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PYMNTS

OCTOBER 1, 2020

As the digital revolution continues to transform the way shoppers pay for things amid the COVID-19 pandemic, Mastercard announced a free online tool to help entrepreneurs future-proof their companies. The shop reopened this month as Cadore welcomed shoppers under new retail guidelines, while continuing to reinforce her digital presence. “By

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Tools Cards Guidelines Online 262

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.

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Abrigo

FEBRUARY 26, 2025

Community banks have a unique opportunity to strengthen their deposit base by embracing digital transformation, optimizing customer engagement, and enhancing their product offerings. Investing in digital solutions not only improves the customer experience but also positions community banks as forward-thinking financial partners.

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Abrigo

JULY 10, 2019

What about our small to mid-sized community financial institutions? Many community financial institutions believe that kleptocracy is not a risk for their institution’s profile as they conduct few foreign transactions, such as wires and ACHs. The post Kleptocracy – What Does it Mean to Community Financial Institutions?

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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.

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Jeff For Banks

MARCH 3, 2025

It was generated by X Grok AI tool and he had not edited or sent it yet. Our recognition as the #3 community bank in the state by GOBankingRates in 2025 reflects our commitment to Growing, Together with the communities we serve. To stay ahead, we must blend our community roots with cutting-edge innovation.

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Community Bank Community Minnesota Security 74

Bank Innovation

FEBRUARY 25, 2020

Bank CEO Ed Jones wants Gulf Capital to model community banking relationships, in which […]. With the funding, the bank plans to invest in its digital capabilities, providing services that include mobile deposits, secured and unsecured commercial loans, letters of credit and consumer loans.

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Houston Tools Community Bank Capital 273

Abrigo

OCTOBER 22, 2024

At Abrigo, we’ve always focused on helping financial institutions thrive—not just for their own benefit but for the sake of the communities they serve. Think about it: when a fraudster targets a small business owner or when an individual’s life savings are wiped out, it doesn’t just hurt the bank—it devastates families and communities.

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South State Correspondent

MARCH 10, 2025

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.

Community Bank 195

Community Bank Community Operations Report 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.

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Community Bank Community FDIC Industry 195

South State Correspondent

JULY 19, 2023

Of the largest 250 banks, 90% are using interest rate swaps, and because these largest 250 banks hold 83% of all loans, interest rate hedging tools are widely used in approximately 75% of the loan marketplace. This is why the current inverted yield curve makes loan hedging especially attractive to community banks.

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Community Bank Community Compliance Marketing 195

South State Correspondent

AUGUST 14, 2024

Why Is It Important for Lenders Most community bank commercial clients do not have professional CFOs or treasurers. Therefore, while the community customer may be proficient in running his/her business, often they lack financial tools and need help understanding the math.

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Tools Marketing Community Bank Community 195

Abrigo

MARCH 5, 2025

For new analysts, AI acts as a built-in training tool, providing real-time guidance and helping them get up to speed faster. Kirby said, Loan Review Assistant is a wonderful training tool for newer analysts, allowing us to reduce the time needed to onboard them while maintaining high-quality risk assessments.

Risk Management 195

Risk Management Management Tools Compliance 195

Abrigo

MARCH 21, 2025

The work being done in compliance departments across banks and credit unions is about more than just meeting regulatory requirementsits about protecting communities and stopping criminals in their tracks. The right tools dont just streamline compliancethey help build cases, recover stolen funds, and bring criminals to justice.

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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

Abrigo

JUNE 19, 2022

New Fed Tool: ELE for 2023 CECL implementation The Federal Reserve's new Expected Loss Estimator, or ELE, tool for CECL is a spreadsheet-based option for smaller financial institutions to implement the current expected credit loss standard. Spreadsheet-Based Tool. ELE tool for CECL released by Fed.

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Tools Regulation Data Resources 195

Bank Innovation

DECEMBER 16, 2019

With its mixture of personal finance management tools, savings features and remodeled branches, Virgin Money is aiming for […]. The brand released a new current account for U.K. customers last week, the first product launched by the bank since it was acquired by CYBG in 2018.

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Strategy Community Tools Branding 243

South State Correspondent

JUNE 22, 2023

EOS comprises a series of tools and concepts that guide leaders in managing and optimizing their operations. One of the framework’s strengths is the robust tool kit available to bankers. While a bank may not want to adopt all of EOS, many use part of the system and use some of the tools.

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Tools Meeting Management Leadership 195

South State Correspondent

OCTOBER 9, 2023

In two articles in the past few weeks ( here and here ), we discussed how the “higher-for-longer” interest rate environment will affect the community bank sector – continued increase in the cost of funds (COF), steady yields on loans, and a decrease in net interest margin (NIM) will put severe pressure on ROE for new loan originations.

Tools 195

Tools Community Bank Community Strategy 195

Perficient

MARCH 1, 2021

StackRox also helps simplify DevSecOps and enable cloud-native environments to be more intrinsically secure by integrating directly into application pipelines and existing registry, image scanning, and CI/CD tools. Red Hat plans to open source StackRox’s technology.

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Security Leadership Community Google 433

ABA Community Banking

MARCH 1, 2025

”Indeed, AI can be a tool that takes this mission to the next level.Let’s explore four key areas to help you harness the […] The post AI for Banks: A Starter Guide for Community and Regional Institutions appeared first on ABA Banking Journal. Today, you may be wondering, “Can AI support our mission and values?”Indeed,

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Regional Community Tools Community Bank 75

Perficient

MARCH 4, 2021

In order to do this, program definition activities should include: Developing overarching tools, processes, and communications for the overall program. Setting up Scrum tools and processes. Planning a PowerApps champion community. Initial activities for this include: Configuring support tools. Defining SLAs.

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How To Training Tools Policies 553

Perficient

DECEMBER 15, 2020

The nonprofit’s initiative is a robust experience that includes an interactive map of over 95 Legacy Cities and gives users the tools such as filters and controls to navigate the map and manage and manipulate large amounts of data. This program launched successfully in September 2020.

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Tools Policies Industry Community 475

Abrigo

FEBRUARY 6, 2025

With the right approach, the rewards may outweigh the risks, creating opportunities for both financial institutions and the communities they serve. This staggering amount presents a lucrative opportunity for banks and credit unions to step in and meet the growing need for banking services while supporting businesses within their communities.

Lending 195

Lending Compliance Community Software 195

Perficient

FEBRUARY 25, 2021

Champions are responsible for empowering the maker community. Support the Community. Organizational change agents are focused on helping improve the Power Platform community by communicating with people in the business, providing training and workshops, and creating awareness through activities such as hackathons and success stories.

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Community Operations Tools Training 362

PYMNTS

MAY 20, 2020

Shopify , an eCommerce company, hosted its first virtual event for members of its global community, the Canadian firm announced Wednesday (May 20). Dubbed “Reunite,” it gave attendees a glimpse into updates and new products designed to help entrepreneurs boost profits.

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Tools User Experience ATM Cards 253

Abrigo

FEBRUARY 28, 2025

Connect with an expert Common fraud schemes Check fraud Check fraud is one of the most concerning fraud trends for community banks in 2025. These could be held in a local branch lobby, community center, or place of worship. Avoid downloading or using suspicious-looking apps as investment tools without verifying their legitimacy.

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Perficient

AUGUST 31, 2020

Seems like a good customer experience aided by the right tools and technologies will be p assé for this generation. a pandemic resulting in: rapidly shifting social and community norms. feelings of personal, family, community, and world ‘ stuckness ‘ So What? ’ They should expect all these things.

Customer Experience 506

Customer Experience Branding Community Millennials 506

Perficient

MARCH 22, 2021

dynamic mindsets to our global community. You will be given the tools and opportunities to collaborate and share knowledge across teams, technologies, and time zones to?deliver communities, and one another. See open jobs or join our talent community for career tips, job openings, company updates, and more!

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Community social media US Branding 520