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The South Carolina bank has been shedding assets in recent months after suffering millions of dollars in losses in recent years. The bank ousted its management team last year due to poor financial performance and conflicts with investors.

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Banks and mortgage lenders are in the final stretch of preparing to deliver new TILA-Respa Integrated Disclosures to homebuyers starting Aug. 1. But it's not just the change of forms that is causing alarm bells. Fines could be steep, and legal liability could be even higher, for violators, while necessary technological changes are expensive, they say.

Newly elected Rep. French Hill knows firsthand what it's like to lead a bank through a crisis and implement the sometimes complex rules of Dodd-Frank. That knowledge may prove key as he battles to make regulation simpler for small banks.

Aside from shoestring budgets, the biggest problem for many community banks is that their marketing programs have gone stale, experts say. For too many, marketing remains bounded by three time-worn pillars: advertising, direct mail and public relations.

A small Austin, Texas, bank, formerly called Libertad, had to abandon its initial plan to target unbanked Hispanics. But it has made the most of its second chance by finding a niche in lending to real estate investors. Now it's looking to diversify.

While other banks build fancy modern skyscrapers or look to shrink the size of their branches, Dollar Bank in Pittsburgh has poured its resources into restoring a 144-year-old building downtown. The bank says the building's fame gives it a marketing edge.

The Fed finalized a rule increasing an asset-size threshold that lets smaller banks finance deals with up to 75% in debt. That benefit, along with an exemption from Basel III capital rules, could prompt some bankers to second-guess short-term growth as they weigh their options.

The Sunshine State is once again outgrowing the rest of the country and some of its community banks are eager to become the state’s next flagship. Florida has changed a lot since the old Barnett Bank held that title, and so has banking. But now its thriving homegrown contenders aim to reshape the fragmented banking landscape, which is dominated by out-of-state rivals.

Community banks had a banner first quarter, federal regulators said Wednesday — but it may come at a problematic time, politically speaking. The Quarterly Banking Profile may only deepen some lawmakers concern that small banks do not need regulatory relief if they are performing so well.

The company announced its second deal in Florida, a state that has been difficult for other out-of-state banks to enter.

The banking giant hopes that convenience — and less paperwork — will help it do more business with existing small business customers.

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