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Posts by Ann Jones

05/17/2018

The Battle for Retail Deposits

A coffer filled to the brim with low-cost deposits … ah, those were the days. As anyone in banking will tell you, the days of free-wheeling deposit growth for community banks are grinding to a halt. The reason? The Federal Reserve made good on its promise to raise rates, and more are coming down the…

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04/30/2018

How Community Banks Can Resecure Their CRE Lending Business

Commercial real estate loans have been integral to the success of many small banks. Long before the Great Recession made everyone in the banking industry rethink nearly everything about how they did business, numerous community banks were highly dependent on CRE loans for revenue. CRE concerns As the economy recovered from its economic downturn, many…

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04/27/2018

What the New Board of Directors Proposals Could Mean for Your Bank

The Fed giveth and the Fed taketh away. Back in June, the Federal Reserve handed financial institutions fresh challenges by raising its benchmark federal funds rate for the second time in the calendar year. In August, the regulatory body fielded a pair of proposals that could remove some complexities and ease regulations for boards of…

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