General articles

group of people working on a habitat for humanity site

Building a better beach community

Building a better beach community

Sanibel Captiva Community Bank in Sanibel, Fla., won an award because of its commitment to fueling the growth of its coastal community. By William Atkinson For the past 17 years, Sanibel Captiva Community Bank has served families and businesses of Lee County, Florida. The bank was originally created to serve those on the Sanibel and […]

A hand flipping a switch

LIBOR: What are your options after it ends?

As LIBOR’s retirement approaches, here’s what community banks can do now to prepare for the switch, even if they haven’t settled on which index they plan to use. By Katie Kuehner-Hebert The retirement of the London Interbank Offered Rate, or LIBOR, is fast approaching. Community banks that use LIBOR to price certain loans should be […]

RV on a mountain lake road

Banks that found their niche lending markets

Technology has blurred community banks’ geographic borders for some lending niches—but for others, face-to-face remains the gold standard. These community banks know one size doesn’t always fit all. By Katie Kuehner-Hebert The gold standard for community banks is finding a lucrative lending niche, but how do you decide which delivery channels are best for which […]

Pete Yang and Ben Koons

These two banks are growing with green loans

Following the rise of the renewable energy industry, some community banks have entered the green lending market. They’re offering financing for eco projects from solar power arrays to biofuel developments. Here’s how they do it. By William Atkinson The renewable energy industry is growing by leaps and bounds, with no end in sight. As such, […]

two smart phones shaking hands

High-tech, high-touch lending

Community bankers say they can get the best of both worlds by using the latest financial technology to meet the needs of customers—whether they want a digital banking experience or not. By Beth Mattson-Teig Community bankers are increasingly having to manage a balancing act: How do they expand their digital lending platforms to give the […]

Community Bank CEO Outlook 2020: How your peers plan to grow

Independent Banker’s Community Bank CEO Outlook survey asked community bank leaders how they plan to grow their institutions this year. The results of this year’s survey reveal what community bankers have planned for 2020, from adopting new technology to growing deposits. By Kelly Pike, Illustrations by Edu Fuentes Ask any self-help guru, and they’ll tell […]

How automated lending can make your bank more efficient

A number of fintechs provide solutions that automate a portion of the lending process. The goal? To reduce labor-intensive back-office processes. These companies claim that this greater efficiency can help community banks grow revenue and, ultimately, improve customer service on the front end. By Mary Yerkes Community banks are looking for ways to stay competitive, […]

The high and low tides of coastal banking

Travelers come and go from resort destinations, but the community banks that serve these coastal communities remain, regardless if it’s peak season or if a tropical storm is brewing. But what’s it like behind the postcard? Coastal banks deal with cash-heavy businesses, shipwrecked collateral—and even sand in their branches. By Judith Sears Only about 7,000 […]

Top