Old Standby

Young, tech-toting consumers turn to branches By Katie Kuehner-Hebert The idea that tech-savvy Generation Y shuns branches is simply not true, according to the research firm Javelin Strategy & Research Inc. Contrary to some earlier perceptions, young people, while heavy users of remote and digital transactions, want to visit branches staffed with knowledgeable employees who […]

Ready to Fly?

Consumer restlessness over megabank fees could be rising, again By Michael J. Blankenheim In a potential reprise of post-Wall Street crisis fury, consumer ire appears to be rising again over steeper, more frequent and seemingly arbitrary megabank fees, not to mention often persistently exasperating megabank service issues. According to a new survey by a bank […]

Evaluating Loan Decisions

Outlining key commercial credit risk metrics and thresholds By Tim McPeak As most community bankers will tell you, their personal knowledge of their borrowers helps them to better understand the story behind the numbers they see on tax returns and other financial statements. Customers will also tell you how much they value the personal service […]

A Trusted Resource

A new ICBA alliance with Kanaly Trust provides an alternative for underperforming trust and wealth management programs By Carol Patton Maximizing return on investments has never been more important, for both companies and individuals. So here’s a question to consider: Is your community bank’s trust department or wealth management program delivering the same level of […]

Back in the Market

Top commercial real estate loan producers By Katie Kuehner-Hebert The trick to being a successful commercial real estate lender is knowing which customers can weather storms, staying clear of the riskier speculative ventures and being flexible on pricing and terms—but not underwriting. That’s what several of last year’s most-productive commercial real estate lenders report about […]

Discarding the ‘Dirt’

Top commercial loan producers By Katie Kuehner-Hebert It takes particular expertise to have success in pure commercial lending. That’s because with such commercial lending—often referred to as commercial and industrial lending—a bank cannot rely on real estate collateral—or “dirt” as one lender quips—if the loan sours. While many community bank loan portfolios are heavily collateralized […]

Agency on the Line

A new delivery model promises low-cost-investment entry into retail insurance By William Atkinson Retail insurance has long provided an opportunity for community banks to diversify their product lines and revenue streams, and generally become broader financial service providers in their communities. However, profitably developing an insurance agency has usually been a costly proposition.

Branching Out

From branch lobbies to drive-up ATMs, physical retail facilities should be major platforms for branding, marketing and cross sales By Katie Kuehner-Hebert Even if some online and mobile banking customers never set foot in a branch, branches and other retail outlets can still serve as some of the most important marketing and branding billboards for […]

Small Seeds for Growth

Microlending programs serve as greenhouses for Main Street businesses By Audrey Wright-Cipriano Microlending has existed for decades in impoverished third-world countries, but in the last few years, the concept has been gaining momentum in the United States. Symptoms of the recession—such as tightened commercial credit, diminished credit scores and the disillusioned unemployed who have decided […]

Hot Regulatory Issues for 2013

ICBA’s Regulatory Outlook for 2013 ICBA experts highlight action on five important regulatory issues to anticipate in 2013 – Overdraft Protection Requirements—by Elizabeth Eurgubian– Evolving Fair Lending Interpretations—by Lilly Thomas– Farm Credit Administration Hubris—by Mark Scanlan– Remittance Rule Adjustments—by L. Cary Whaley III – Structural Changes to Bank Secrecy Act—by Lilly Thomas