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Mark Scanlan: Fighting for ag and rural tax relief
ICBA is pushing for the Enhancing Credit Opportunities in Rural America Act, legislation that would help rural borrowers and level the playing field against unfair competition.
4 ways to conquer compliance challenges
For community banks, regulatory burdens and compliance costs are constant challenges. But by taking steps including building a culture of compliance, they’re challenges that can be met.
Fighting fraud with education
COVID-19 has exacerbated vulnerabilities to fraud. To combat this trend, Tompkins VIST Bank has been delivering valuable education to its small business customers to keep them informed and protected.
Rebeca Romero Rainey: Focusing on our communities
Unlike our credit union counterparts, we pay taxes, and those tax dollars are spent at home to ensure our communities grow.
Here are the benefits of bank-owned life insurance
Over the past two decades, banks have increasingly dabbled in BOLI, or bank-owned life insurance. While there are downsides to consider, experts say the benefits of these policies can generate...
Improve your next marketing campaign with data
Using data from your community bank, an ad campaign or public sources allows your marketing efforts to find potential or existing customers who’ve already shown interest in your brand.
Jim Reber: The big "if"
General market munis have gained favor among community bankers.
How 4 community banks came through for customers
The past year has put community banks’ local missions to the test, and they came through with flying colors. In the spirit of Community Banking Month, here are stories from several community banks...
Are real-time international payments the future?
Two rising technologies, faster payments and cross-border payments, are coalescing as more countries lay foundations to make such transactions possible. Experts say the U.S. is on a path to...
Going Through a Data Conversion Project Doesn’t Have to Be Painful
With mergers, acquisitions and other changes affecting the industry, ensuring your data is effectively converted has never been more critical. we’ve compiled a toolkit of what to consider before,...
Out of Office: Dave Wise
The senior vice president for business banking at $406 million-asset TS Bank in Council Bluffs, Iowa, picked up gravel riding, or biking on rural gravel roads and trails, during the pandemic to...
Robert Fisher: The importance of engagement
In today’s climate, our voices are vital not only to the future of financial services, but to the millions of small businesses and consumers who depend upon us.
New ICBA chairman Robert Fisher is in the driver’s seat
Faced with the unexpected and unexplainable, it’s hard to stay on course. But Robert Fisher is an expert at just that. ICBA’s next chairman is ready to help community banks and the customers they...
6 ways to boost your social media strategy
Community banks are building relationships through an active, thoughtful presence on social media, and these platforms are an extension of the relationships that community banks foster. Experts...
How going green can help the planet and your bank
Study after study shows that consumers—especially younger people—expect the brands they support to commit to sustainability. How can community banks put eco‑friendly strategies to work?
Are more branches better? Community banks weigh in
With an increase in online traffic and challenges to in-person banking, community banks may be asking themselves if new branches are necessary. But many bank leaders report they’re investing in new...
The advertising regulations you need to know
Like any business marketing its products and services, a community bank must keep its advertising truthful. There are plenty of regulations specific to financial institutions under the FDIC, CFPB...
Responding to the SolarWinds breach
All institutions, even those with a solid cybersecurity defense, were vulnerable to 2020’s SolarWinds Orion cyberattack. Community banks should be ready for a future cyber event.
The de novo bringing craft banking to Atlanta
Craft Bank, Atlanta’s first de novo bank in more than a decade, was about to open—and then the pandemic arrived. Now open, it promises to give potential customers the ability to craft their...
Passing banking to the next generation
For three decades, Cape Ann Savings Bank has operated a unique program where a branch operates within a local high school. It’s been a vehicle for multiple generations of students to learn banking...
Why we need Black-owned banks
Black-owned community banks have a long history of serving Americans historically left out of the mainstream banking system. How can the industry advocate for change to help these banks—and...
Noah Wilcox: Committed to community
Despite everything, we remain a thriving network of community banks, united in our common passion for and commitment to our communities.
Growing Your Loan Portfolio with Construction Lending
SPONSORED | Community Bankers have historically considered construction loans an essential part of their loan portfolio. The current market conditions lend themselves to an opportunity of portfolio...
What to expect at ICBA Connect
ICBA Connect is your moment to relax, reflect and recharge. This virtual event will be unlike anything you’ve seen before. Community bankers all over the country will come together, be inspired and...
Community banks in four corners of the country
There are community banks in every corner of the country—it’s one of the hallmarks of this industry. While each is unique, what unites them is their dedication to their customers and...
Why it pays to offer cross-border payments
Offering cross-border payments used to have a high barrier of entry, but thanks to new technology and increasing revenue opportunities, they may be an untapped growth opportunity for enterprising...
Community First Bank’s PPP partnership
With little time to spare, Community First Bank prepared itself for a wave of Paycheck Protection Program applications by quickly implementing technology through a new fintech partner. Now, it’s...
Could apps improve your customers’ financial health?
Fintech-developed apps that help customers manage their finances are looking to partner with community banks to help them reach new customers and deepen existing relationships.
The overdraft regulations that you need to know
This past year, the Consumer Financial Protection Bureau (CFPB) fined a national bank for misinforming its accountholders about its overdraft services fees. A handful of regulations apply to banks...
How community banks serve immigrants
When people move to the U.S. from other countries, they often don’t have an American credit history, identification or other typical requirements of the account-opening or loan process.
Charles Potts: Next-level collaboration
ICBA has a growing network of people and resources community banks can tap into as they continue their innovation journeys. The ThinkTECH Accelerator is one of several initiatives underway this...
Lindsay LaNore: Boost your connections
Connection is about creating relationships and having respectful and authentic conversations that go beyond the surface. Creating meaningful connection starts with being friendly and genuine,...
Aaron Stetter: Setting the advocacy agenda
ICBA’s 2021 legislative agenda aims to assist banks through the pandemic and beyond.
Jim Reber: New year, old tricks
Let’s take stock of what we’ve forgotten over the past 12 months, from the portfolio and beyond.
Holding true in tough times
When New York City was the epicenter of the COVID-19 pandemic, Maspeth Federal Savings Bank responded with a community-focused campaign that helped save local businesses and improve the lives of...
Will the dollar go digital? What you need to know
The private sector has had its hands in the world of cryptocurrencies for years, but the country’s central banks have held off—until now. While far from a certainty, here’s what you need to...
Uwharrie Bank and the power of connection
Realizing that many residents of the greater Charlotte, N.C., area face barriers to housing and financial prosperity, Uwharrie Bank is connecting with local organizations in a mission to uplift...
Why going public is still an option
In recent years, some community banks have made the decision to go public as part of their strategy for growth. In 2020, however, COVID-19 cast uncertainty over the market. But experts say...
Jim Reber: Shop talk 2021
Here’s another conversation with our consummate community banker.
Noah Wilcox: It’s all about connection
I hope to see you virtually at ICBA Connect. For community bankers, it’s all about that connection.
Rebeca Romero Rainey: You make an impact
From your focus on people to the good that you do, you make a lasting impact, and that’s what makes you uniquely who you are.
Community Bank CEO Outlook 2021: What's the path ahead?
No Magic 8 Ball could have predicted the year community banks had in 2020. What will 2021 bring? Independent Banker’s annual Community Bank CEO Outlook survey asked bank executives how they plan to...
Noah Wilcox: Stay positive
To succeed in this environment, we must focus on the things we can control and remain positive, and that’s become my daily mantra.
2021’s lending outlook: cautious optimism
Many community bankers are cautiously optimistic that this year will bring the same, if not more, demand for loans. They also describe a year that may bring opportunities to gain market share from...
How Systematic Savings Bank turned around
When Derek Fraley joined Systematic Savings Bank as president and CEO in 2017, it was in trouble. To save it, he changed the community bank’s charter, launched an IPO and executed sweeping culture...
How community banks can use influencer marketing
Influencer marketing has become more than just a way to sell products on social media. It’s a well-established tool for building brand awareness, boosting sales and more. Here’s what community...
Fraudsters’ latest target? UI benefits
Criminals have stolen more than half a billion dollars by taking advantage of the surge in unemployment claims during the pandemic. Luckily, most of this money has been recovered. Here’s what you...
Charles Potts: 6 innovation trends for 2021
As we start the new year, much remains uncertain. In general, “uncertainty” implies a state of limited knowledge that makes it impossible or impracticable to describe a future outcome.
Out of Office: Dan Carey
Dan Carey, president and CEO of $239 million-asset VISIONBank in Fargo, N.D., has always had dogs in his life. He takes special care in training his two black Labradors, Piper and Scout, who play a...
Noah Wilcox: A year that defined community banks
It’s time to look toward the future, and I encourage you to hold onto this bigger-picture perspective to propel our communities out of this crisis.
From redlining to modernization: A CRA overview
The Community Reinvestment Act was designed to stop redlining, the impact of which is still felt in metro areas today. We look at the past and current CRA, including upcoming revisions from...
How Fidelity Bank boosts nonprofits
Beyond standing by its community for more than a century, Fidelity Bank supports nearby nonprofits through financial support, volunteering and specialized banking products.
Make sure your portfolio can navigate uncertainty
The strategists at Vining Sparks shed light on a winning portfolio management strategy as we head into the new year.
Member Benefits: ICBA updates BankLocally.org
ICBA’s relaunched Bank Locally landing page serves as a hub of resources, customer testimonials and other content for small business owners and entrepreneurs interested in making the switch to a...
Rebeca Romero Rainey: Developing innovation strategy
Community banks are independent institutions fueled by the needs of their individual communities, so what constitutes innovation will look and feel different for every bank.
3 banks investing in communities under the CRA
Many community banks invest in low- and moderate-income neighborhoods to make lasting impacts while also getting Community Reinvestment Act, or CRA, credit. Here’s how three community banks are...
Safe deposit boxes can have benefits beyond revenue
Safe deposit boxes aren’t big revenue drivers at most community banks, but for some customers, they can be an important service. They provide peace of mind when breaches and hacks have eroded trust...
CFOs on how to account for the year's uncertainty
The Paycheck Protection Program (PPP) has required community banks to adjust business practices, roles, budgeting and projections. We spoke to several chief financial officers and other community...
Why diversity and inclusion matters to regulators
This year, many businesses have prioritized diversity and inclusion. But what are regulatory agencies doing to track and enforce diversity and inclusion (D&I) in the financial industry?
Compensation strategies to retain your bank’s top talent
Gone are the days of defining compensation as salary and bonus. Today’s star employees—whether existing or prospective—are demanding ever-more innovative employment packages.