Blog

Business
Insights that
drive results

Posts tagged with "Community banks"

08/15/2018

ABA List Highlights How Banks’ Tax Savings Will Be Spent

When tax reform was first announced, there were plenty of predictions as to how the tax savings would be spent. Thanks to the ABA’s Energizing the Economy list, we can actually see – in one place – how banks are spending their initial windfall. Across the list, there is a healthy investment in employees, whether…

Read More >

07/11/2018

Where is the Relief in the Dodd-Frank Rollbacks?

Legislators could have done so much more. Like you, I was hoping The Economic Growth, Regulatory Relief and Consumer Protection Act (the Act) would provide more regulatory relief for the nation’s smallest community banks. There’s still cause for celebration, however. The Act has provisions related to capital requirements, financial reporting, and the Volcker Rule that…

Read More >

05/24/2018

How Can Community Banks Sail Through Growing Pains?

Community banks want big-bank budgets for new capabilities. Big banks want that community-bank feel for their customers. Which of these banks has the more difficult climb? My Unique Findings at an Incredible Community Bank Their small branch that once sat on a dusty road with little traffic now occupies the epicenter of a community that has…

Read More >

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…

Read More >

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…

Read More >

12/28/2017

Recap of 2017: Sharing Our Top Five Blogs From the Year

Well, the end of the year is quickly approaching which is a great time to recap another great year for our blog. I just wrapped up my fifth year of being editor of the blog and I am excited about some of the changes we’ve seen this year. We did a reorganization of the existing…

Read More >

10/19/2017

Finding the Right Mix of Fixed and Variable Loans in a Rising-Rate Environment

Most consumers probably understand that when the Federal Reserve increases its benchmark federal funds rate, it’s only a matter of time before the corresponding rise in interest rates hits their wallets. How will mortgage seekers react to the rising-rate environment? It’s probably a safe prediction that rising interest rates will spur increased interest in fixed-rate…

Read More >