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In our previous article (HERE) we discussed differences between how various banks price commercial loans. We contrasted ideal pricing and real-world pricing strategies employed by banks. We highlighted the objectives of loan pricing and summarized seven tools that community banks can use to price commercial loan relationships. In this article, we would like to further…

When it comes to winning loans for commercial relationships, community bankers need to know who they are competing against. Understanding your competition allows you to better innovate your products, define your delivery channels, highlight your differentiation, and establish pricing methods (among other business strategies).  Bank managers often believe that they can differentiate their service to…

Today we’re joined by two of our fellow SouthState team members — Shellee Spagnoletto and Jake Schoolfield. They talk about the Private Banking line of business we have here at SouthState and some of the keys any community banks can learn as they build their own. The views, information, or opinions expressed during this show…

To be a better trusted advisor to your commercial borrowers, one important topic is interest rates in 2026. We recently wrote an article about how the Federal Reserve’s next interest rate move may be up and not down (here).  The aim of that article was not to take a alternative view for contrarian-sake but to…

Community banks are starting to embrace loan hedging as an effective tool for risk management, loan production, and fee income generation in commercial lending. These banks have concluded that using interest rate hedges on commercial loans has several benefits to the bank that include interest rate risk mitigation, credit enhancement, pricing discipline, increased borrower retention…

The Administration announced that it is evaluating the possibility of offering home mortgages that are portable, assumable and have a 50-year amortization. The goal of these ideas is to make US home ownership more affordable. We believe that there are many other more germane factors constraining home affordability, but these ideas deserve consideration and attention….

Delivering superior service is critical in banking. In our previous article (HERE) we discussed why delivering value to customers drives value for shareholders. Value in banking (or any business) is measured by a simple formula that states the following: Customer Value = Perceived Benefits – Perceived Costs. Perceived benefits include factors like quality, service, brand,…

We talk to many community bankers who are seeking ways to expand their commercial and industrial (C&I) loan portfolios. Yet, despite the strategic importance of this category, growth has remained elusive. The A and B cross-secured structure (“AB structure”) has recently been utilized by community banks as a practical, risk-managed method for increasing C&I lending…

Many clients are relying on their commercial relationship managers for advice on how to finance their business or real estate assets in the face of Fed rate cuts.  We work with thousands of community bank lenders across the country, and some have been advising their borrowers to finance long-term assets with short-term loans in the…

Most bankers understand that they are in the business of keeping loans versus making loans.  Originating new loans drains bank resources with acquisition, processing, and onboarding costs.  By identifying the right customer at inception and structuring the appropriate products, community banks can create a long-term, growing banking relationship.  Short-term loan commitments decrease cross-sell and upsell…

The Fed just finished their July meeting and there are many banker that will be further waiting for rates to drop. By the same token, many borrowers are grappling with the decision of when to lock their permanent financing. Some borrowers are choosing short-term financing in anticipation of the Federal Reserve embarking on an interest…

Today our own Chris Nichols sits down with Mike Fletcher, President and Co-Founder of Qualtik, to discuss the latest trends in commercial credit. TAKE THE ARC GUIDED TOUR HERE The views, information, or opinions expressed during this show are solely those of the participants involved and do not necessarily represent those of SouthState Bank and…