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Introduction

Category: Community Banking (page 2)

Category: Community Banking (page 2)

New Bank Branches

The Bank Branch is Alive and Well, Thank You

Posted on: July 19, 2021 July 21, 2021 Written by: BauerFinancial
Like everything else, banking is changing and evolving to meet the changing needs and demands of the times. There is no doubt about that. But anyone predicting the demise of the bank branch is premature, at best …at least in…
Continue reading “The Bank Branch is Alive and Well, Thank You”…
Not all puzzle pieces fit together nicely

Merger Mania Claiming Community Staples

Posted on: June 21, 2021 June 21, 2021 Written by: BauerFinancial
Mergers and Acquisitions have claimed more than 225 banks since January 1, 2020. That represents over $174 billion in assets and $140 billion in deposits in less than an 18 month period. Several centenarians are among the banks lost leaving…
Continue reading “Merger Mania Claiming Community Staples”…

Economic Injustice Puts Banks on Notice

Posted on: June 8, 2021 June 8, 2021 Written by: BauerFinancial
As we write this week’s article, CEOs of six of the nation’s largest banks are taking a verbal beating from Congress. Lawmakers took exception to some of the ways they perceive these bankers have taken advantage of poorer clients during…
Continue reading “Economic Injustice Puts Banks on Notice”…

Lending a Helping Hand, Sometimes Means Lending.

Posted on: May 24, 2021 May 24, 2021 Written by: BauerFinancial
Loan volumes at the nation’s community banks grew over 10% during 2020. And that’s no coincidence. With help from the Government’s Paycheck Protection Plan (PPP) Program, Commercial & Industrial (C&I) Loans accounted for more than two-thirds of that growth. But…
Continue reading “Lending a Helping Hand, Sometimes Means Lending.”…
de novo banks

De Novos: Banking With a Purpose

Posted on: May 17, 2021 May 17, 2021 Written by: BauerFinancial
This year is poised to be the most active for de novo banks that we’ve seen since before he Great Recession. Five new banks have already opened their doors and two others are scheduled to open in June. While we…
Continue reading “De Novos: Banking With a Purpose”…

Temporary Hit to Capital Ratios

Posted on: May 10, 2021 May 12, 2021 Written by: BauerFinancial
…and They’d do it Again. This week we will take a look at how some community banks have been helping their neighbors and communities during the past year. In some cases, that help has come at the expense of the…
Continue reading “Temporary Hit to Capital Ratios”…

Bank, CU Complaint or Question?

Posted on: April 5, 2021 April 5, 2021 Written by: BauerFinancial
Complaint or Question About Your Financial Institution? We do a lot of things here at BauerFinancial, but since we are a private research firm, and not a government agency, fielding complaints about financial institutions is not really one of them.…
Continue reading “Bank, CU Complaint or Question?”…
Image of Martin Luther King Monument with PPP Round 2

PPP Relaunch Open to Select Institutions

Posted on: January 19, 2021 January 19, 2021 Written by: BauerFinancial
We know many small businesses were left behind in the first round of Paycheck Protection Program (PPP) loans. That’s why when the Treasury Department reopened the portal on Monday, it granted access exclusively to Community Financial Institutions (CFIs). CFIs, which…
Continue reading “PPP Relaunch Open to Select Institutions”…

Loans: a Bank’s Best Asset, Until They’re Not

Posted on: January 11, 2021 January 12, 2021 Written by: BauerFinancial
Although business models vary, the optimal loan to deposit ratio (LTD) at a bank is generally considered to be between 80% to 90%. At this level, the bank is lending sufficiently for its size, but not so much that its…
Continue reading “Loans: a Bank’s Best Asset, Until They’re Not”…
We Made it Through 2020

We Made it Through 2020, What’s Next?

Posted on: January 4, 2021 January 5, 2021 Written by: BauerFinancial
As we say good-bye (and good riddance) to 2020 and look forward with hope for a brighter and healthier 2021, we remember 2020 as a year of loss. We’ve lost a great number of lives, jobs, and freedoms in the…
Continue reading “We Made it Through 2020, What’s Next?”…
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Bank and Credit Union data compiled from financial data for the period noted, as reported to federal regulators. The financial data obtained from these sources is consistently reliable, although; the accuracy and completeness of the data cannot be guaranteed by BauerFinancial, Inc. BauerFinancial relies upon this data in its judgment and in rendering its opinion (e.g. determination of star ratings) as well as supplying the data fields incorporated herein. BauerFinancial, Inc. is not a financial advisor; it is an independent bank research firm. BauerFinancial is a registered trademark. Any unauthorized use of its content, logos, name, and/or Star-ratings is forbidden.

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