Lenders are from Mars; Finance is from Venus: Bridging the Divide in Community Banking with Data and Empathy
By embracing their differences and focusing on shared goals, community banks can turn healthy tension into a source of strength.
Performance Measurement
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Scaling a Community Bank: Tech, Team, and Deposits
Brant Ward, President of Signature Bank of Arkansas, joins This Month in Banking to share how his team combines traditional banking values with technology and innovation.
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Think in Basis Points
Educating community bank employees to “think in basis points” can be a powerful catalyst for change, fostering a culture of financial awareness and driving cumulative improvements in Return on Assets (ROA)
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The Secret Sauce to Bank Profitability
We at The Kafafian Group (TKG) have observed significant transformations in the banking landscape following the aggressive interest rate hikes that peaked in mid-2023. Our Q4 2024 Performance Measurement Peer Data reveals that the industry has now exited the six-quarter rate-lag period since reaching peak Federal Funds rates in Q2 2023, unveiling several critical shifts in profitability drivers and strategic opportunities.
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Unlocking Data Analytics: The Critical Role of a Profitability Measurement System for 2024 and Beyond
Community banks continue to navigate challenges and opportunities in identifying efficiencies in a post-COVID environment, managing the increasing impact of AI on bank products and services, adapting to a continually evolving regulatory landscape, and addressing margin compression influenced by fiscal and monetary policy. Implementing a bank profitability system that measures…
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Graduating from Data Analytics to Data Utilization
Guest: Steven M. Fusco, EVP Chief Financial Officer, Spencer Savings Bank Listen on Spotify Listen on Apple Podcasts Podcast Show Notes: Our This Month In Banking (TMIB) podcast features discussion with colleagues and other industry thought leaders on interesting banking topics. TMIB is available on the last Wednesday of every…
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Navigating the Shifting Tides: Unraveling the Dynamics of Higher for Longer Rates and Profitability Trends in Community Banks
In the dynamic world of community banking, bank leaders find themselves at the helm of an industry experiencing pronounced shifts in profitability trends. As we await comprehensive Q4 peer data, Q3 data and anecdotal evidence points to intriguing developments that demand the attention of financial institution leadership. Trend 1: The…
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Update: How has the Fed’s battle against inflation impacted bank product profitability?
At the end of the 3rd quarter of 2022, we provided analysis of how banks were impacted by the Fed increasing the Fed Funds rate from 25 basis points to 3.25% from Q1 2022 through Q3 2022. The Fed continued to increase rates through Q2 2023 and it looks like…
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How has the Fed’s battle against inflation impacted bank profitability?
The Federal Reserve began its battle against inflation with a 25 basis point warning shot in the first quarter of 2022. By year-end the Fed increased rates six more times, ending the year at 4.5%. As of the end of Q3 2022, these increases have helped to improve community bank…
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How Will Higher Interest Rates Impact Loan & Deposit Product Profitability?
We have already started to see interest rates trending upwards in 2022, but how will these higher rates impact the profitability of your loan and deposit products? Will you have the ability to increase loan rates in step with Federal Funds rate increases and how much of the increase in…