Deposits

Community banks will likely face questions about mortgage lending, deposit gathering and M&A during earnings calls.

Many community banks are launching digital banks, more aggressively courting younger customers and abandoning the idea that only primary banking relationships are worthwhile.

More community bankers now say that cost of funds, not regulatory expense, poses the biggest threat to profits, according to a new survey.

On Jun. 30, 2019. Dollars in thousands.

CEOs have been telling investors that if the Fed continues to cut interest rates, they will lower rates they are paying on deposits to minimize the hit to net interest margins. The danger is that if they lower rates too quickly or by too much, big depositors could go elsewhere.

Geographic scale and low-cost funding are the foundation of a good deal, seasoned bank acquirers said in a panel discussion.

M&T has skillfully used hedges, maintained an appropriate loan mix and resisted offering market-leading deposit rates, its chief financial officer said at a financial services conference.

For the third time in five months, the San Francisco bank made a downward revision Monday to its guidance on net interest income. An executive cited the impact of lower interest rates.

Loans and net income continued to rise while delinquency rates improved. Other major trends continue, including ongoing consolidation amid sustained membership growth.

Intense competition for deposits and a growing need for scale are spurring more New Jersey banks to seek out buyers.

The Fed's development of a real-time payments systems has sparked a pointless debate about paper checks.

Institutions that don't fully provide information on how they provide access to deposited funds could be putting their members and the credit union at risk.

The Fed's development of a real-time payments systems has sparked a pointless debate about paper checks.

The Plano bank, which is being sold to Prosperity Bancshares in one of the industry's biggest M&A deals this year, was also worried about credit quality, a regulatory filing shows.

Credit unions have largely moved past their distrust of fintechs, but plenty of institutions still face challenges when it comes to finding the right vendors.

The agency is trying to update its rate-cap policy for institutions that fall below "well-capitalized." But it remains to be seen if the proposed changes fully address community bankers' concerns.

Competition for deposits is tight, the outlook for loan demand is uncertain, and regulatory relief is slow-moving. Yet community bankers are feeling better about the economy than they have in two years, a Promontory Interfinancial Network survey found.

On Mar. 31, 2019. Dollars in thousands.

Margin expansion may grind to a halt if the Fed holds rates steady or cuts them further. The problem is regionals tend to lack the side businesses that the big banks possess to offset lending slumps. Check out our annual ranking of banks with $10 billion to $50 billion of assets.

Readers react to the Fed's lengthy plan for a real-time payments system and Fifth Third's minimum wage increase, jab at Sen. Warren's absence on the Senate Banking Committee and more.