South State Correspondent

JUNE 10, 2015

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

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Lending Marketing Regional Course 150

PYMNTS

DECEMBER 28, 2020

In Mercado’s home nation of Brazil, he describes the last eight months as a “fundamental transformation” in a conversation with PYMNTS’ Karen Webster. I mean, throughout the Latin American region that has happened, but it has been massive in Brazil. Brazil at the beginning of last year was a different Brazil, for sure,” he said. “We

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PYMNTS

MARCH 19, 2019

However, while regulators are happy to see shadow lending fade, the sector’s main borrowers — private companies — are feeling the strain. Private firms rely on shadow lending, since state-owned banks favor lending to government-controlled companies.

Lending 100

Lending Regulation Maine Regional 100

PYMNTS

NOVEMBER 27, 2017

3 billion | Amount that Amazon Lending has lent to SMBs since the program’s launch in 2011, with borrowers primarily from the U.S., 60 percent | Portion of Singapore’s national spend done through payment cards. Here are the numbers: $7.9 billion | Estimated consumer spending between Thanksgiving and Black Friday sales.

Lending 100

Lending social media Data Cards 100

PYMNTS

SEPTEMBER 24, 2020

Shah emphasized that it's not necessarily valuable to make such predictions, however, because the SMB lending ecosystem is quite regional: FIs in one area servicing many agriculture SMBs may accelerate their small business lending activity, while FIs in another, more metropolitan region may step back.

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American Banker

MARCH 11, 2024

But the nation's largest banks still have structural advantages, and the regionals remain hampered by their real-estate heavy portfolios and the continuing impact of high interest rates. Midsize lenders have largely defied the most dire predictions following Silicon Valley Bank's demise.

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PYMNTS

JULY 1, 2016

Soon after Lending Club revealed its ex-CEO may have artificially inflated the company’s lending volumes, the U.S. Alternative Lending. India’s alternative lending industry scored yet another win this week with a nearly $25 million investment from Morgan Stanley Private Equity Asia. Lendingkart.

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Independent Banker

JANUARY 31, 2022

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 Here’s how four community banks are thriving in this environment.

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Texas San Antonio Community Bank Community 182

PYMNTS

MARCH 9, 2020

PYMNTS fielded a study to a national panel of 1,062 U.S. That said, some banking-like providers appear to be closing the primary banking services gap, particularly regional banks and credit unions (CUs). Ninety-two percent of consumers count their primary bank as either a national bank, regional/community bank or credit union.

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How To Millennials ATM Fintech 232

South State Correspondent

MARCH 5, 2022

With short-term interest rates rising and long-term rates still at historically low levels, all bankers should understand how swap spreads may provide a competitive lending advantage. In fact, the longer the term, the more negative the swap spread – an unusual situation that may create a funding or a lending advantage for some banks.

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Community Bank Lending Community Regional 195

PYMNTS

APRIL 26, 2020

Every bank is under the cosh of its national regulators, who in times of crisis show a huge home bias,” said Jan Pieter Krahnen, director of the Center for Financial Studies at the University of Frankfurt, according to FT. This heavily influences risk management and regional exposure, which comes at the expense of clients abroad.”.

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Abrigo

DECEMBER 18, 2023

Critical capital Should CRE lending be off the table? Recent headlines may lead bankers to believe that shunning commercial real estate lending is the safest path to limit or avoid credit risk, given stresses on CRE and regulatory concerns. Certainly, one asset class, the regional mall, is quite dead,” Kirby said.

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Risk Management Management Lending Capital 221

TheGuardian

NOVEMBER 30, 2022

A new report by the Australian Prudential Regulation Authority (Apra) found climate change could make banks more vulnerable to economic downturns as they face up to a threefold increase in lending losses by 2050, but that the system should be able to absorb the impact.

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Lending Regulation Regional Industry 88

PYMNTS

MAY 17, 2018

Regional lender in Japan, Suruga Bank , apologized this week and admitted that staff may have knowingly processed loan documents that were falsified for a struggling property investment scheme, adding to the list of corporate scandals plaguing the country, reports in Bloomberg said. Meanwhile, Prime Minister Shinz?

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Compliance Lending National Fraud 108

South State Correspondent

NOVEMBER 29, 2023

One of the lessons that was driven home at the recent American Banker Small Business Banking Conference in Nashville was the difference in marketing between large national banks and community banks, particularly deposit marketing. There is a reason for this. Bank engagement is a habit.

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Marketing Regional National Nashville 195

PYMNTS

DECEMBER 17, 2018

The Federal Reserve began raising interest rates about three years ago from almost zero, and after the financial crisis, many small and regional banks ramped up their lending with long-term and low-rate loans. The Southern National Bancorp of Virginia is now shelling out 2.25

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South State Correspondent

SEPTEMBER 30, 2024

Your competitors for this attribute are the regional and national banks that have become very quick to commit borrowers and fund loans, as long as the loan fits neatly in their lending “box.” National banks are notorious for this mistake.

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South State Correspondent

MARCH 5, 2024

When we analyze the same size/ROA relationship using banks’ efficiency ratios, it is not surprising that community banks (under $10B in asset size) have, on average, a 5% higher efficiency ratio than regional banks ($10B to $50B in asset size) as shown in the graph below. Larger loans have lower credit risk, all else equal.

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Community Bank Community National Lending 195

South State Correspondent

MARCH 5, 2024

When we analyze the same size/ROA relationship using banks’ efficiency ratios, it is not surprising that community banks (under $10B in asset size) have, on average, a 5% higher efficiency ratio than regional banks ($10B to $50B in asset size) as shown in the graph below. Larger loans have lower credit risk, all else equal.

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Community Bank Community National Lending 195

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. As we have discussed before ( HERE ), one common lending mistake is for lenders to hold a rate constant during underwriting. The forward rate lock allows a win-win outcome for both borrowers and banks.

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How To Community Bank Community National 195

Abrigo

DECEMBER 1, 2020

Takeaway 1 For solid ag lending returns, focus on assessing credit risk in current portfolios and effective pricing. . Takeaway 2 Sentiment rose in 3Q, but the highly uncertain outlook warrants caution in ag lending activities. A tricky year for farmers, ag lending. You might also like this webinar watch. Pandemic Impact.

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Lending Survey Operations Payments 195

PYMNTS

FEBRUARY 17, 2020

BankFinancial Equipment Finance will also continue its corporate leasing, lending, deposit and treasury management services to independent equipment lessors nationwide. The expansion of BankFinancial Equipment Finance brings its leasing capabilities to governmental, middle-market and small businesses, BankFinancial announced on Friday (Feb.

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Illinois Lending National Conference 131

PYMNTS

DECEMBER 9, 2020

Clearly there's regional saturation, which leads to consolidation.”. And with COVID-19 as an incredible accelerant to digitization in 2020, every merchant needs to have a digital proposition and a “minute-by-minute, day-by-day, month-by-month lending proposition” that they can access, Lukies said.

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Innovation Fintech Payments Regulation 306

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.”

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Community Bank Community Regional Cleveland 150

PYMNTS

MARCH 12, 2019

Federal Reserve Governor Lael Brainard said on Tuesday (March 12) that a more flexible look at banks through the lens of the Community Reinvestment Act (CRA) could potentially make capital available for regions outside the usual areas financial institutions cater to.

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US Community Regional Lending 108

CFPB Monitor

AUGUST 15, 2023

A Texas credit union and two credit union trade associations have been granted leave to intervene in the lawsuit challenging the CFPB’s final small business lending rule (Rule) that is pending in a Texas federal district court.

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Texas Lending Kentucky National 78

PYMNTS

MARCH 10, 2020

Traditional banks will require credit histories and collateral to underwrite a small business loan, both of which many SMBs in Southeast Asian nations lack. In Southeast Asian markets, banks’ lack of adequate data on SMB loan applicants is perhaps the tallest barrier to connecting SMBs to capital in the region.

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Data Lending Capital social media 193

PYMNTS

FEBRUARY 18, 2019

China’s Operation Fox Hunt has led to the arrest of 62 Chinese nationals abroad and the seizure of 10 billion yuan ($1.5 billion) in assets from 380 fraudulent peer-to-peer (P2P) lending platforms, according to a Reuters report. The charges stem from illegally using P2P platforms to gather funds. trillion yuan ($217.96

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Lending Regional Operations National 129

South State Correspondent

JANUARY 20, 2023

What ends up happening is that banks lose more of the higher quality credits to regional and national banks and then get adversely selected for the riskier credits. The other ultra-competitive sector was owner-occupied lending backed by real estate to medical professionals. Banks had tight spreads on loans with 1.2

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Lending Community Bank Community Data 195

South State Correspondent

APRIL 30, 2024

Meet Competitive Pressures : National and larger regional banks are specifically targeting better borrowers for five, seven, ten-year fixed-rate loans. Lending Discipline : Sensible pricing methodology is part of a loan hedging program, and some hedge providers also offer a loan pricing model.

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Community Bank FDIC Community National 195

South State Correspondent

APRIL 30, 2024

Meet Competitive Pressures : National and larger regional banks are specifically targeting better borrowers for five, seven, ten-year fixed-rate loans. Lending Discipline : Sensible pricing methodology is part of a loan hedging program, and some hedge providers also offer a loan pricing model.

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Community Bank FDIC Community National 195

PYMNTS

JUNE 18, 2018

Biz2Credit’s latest Small Business Lending Index found that loan approval rates at alternative lenders stagnated – and at credit unions, they actually fell. Thirty-four years have passed since SMB optimism was this high , according to the National Federation of Independent Business (NFIB). But the story doesn’t end there.

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Lending Community Bank Regional Community 112

PYMNTS

JANUARY 8, 2019

In addition, Pakistan’s Telenor Microfinance Bank unveiled a cross-border remittance service based on Alipay’s blockchain technology, Indonesia’s KinerjaPay notched an investment of $200 million from a construction firm in the region and mobile payments are on the rise in China.

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Regional blockchain Mobile United States 128

PYMNTS

MARCH 14, 2016

As a region, Asia has seen $4.5 That means the region is becoming a sweet spot for FinTech investment. But, in Asia, the funding rounds that stretched across India, China and other nations — lured by the buying power of billions of consumers tied to their mobile devices — grabbed a relatively higher pace of fund flows.

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ABA Community Banking

APRIL 1, 2018

First Financial’s Oak Street sub lends to insurance, other verticals Management Lines of Business Community Banking.

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Lending Regional National Community Bank 40

PYMNTS

JANUARY 31, 2019

The bank is one of several newly proposed community banks in the region, with goals of disrupting the financial services landscape, including business and corporate banking. 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.

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Community Bank Community FDIC Marketing 122

Independent Banker

APRIL 30, 2022

Brazos National Bank. Douglas National Bank. In order to compete as a small bank, we have been forced to keep higher-than-peer capital levels, so that our lending limit allows us to service local borrowers’ needs. FSNB, National Association. Pioneer Trust Bank, National Association. AMG National Trust Bank.

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Community Bank Community Montana Taxes 172