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The first quarter of 2026 has brought tariffs, a war, greater inflation/higher energy prices, AI-driven changes, more volatility and more uncertainty. Unfortunately, almost every aspect of this current environment is inversely correlated to bank performance. The bank credit outlook is highly volatile with a skew to the downside due to higher inflation to include higher…

Today we’re joined by Bill Moreland, a credit risk expert whose data and analysis we rely on heavily. Bill helps us break down what’s really happening beneath the surface of today’s credit metrics — from the rise of NDFIs to the surge in loan modifications and what that signals about risk in this cycle. View Agenda &…

When banks price loans, they stress the borrower’s ability to repay the loan under adverse credit conditions. For example, credit officers will underwrite to various interest rates, vacancy rates, revenue projections, EBITDA or NOI assumptions. However, most banks will not subject that same credit stress analysis to calculate that loan’s ROE. This is unfortunate because…

Today we sit down with Karl Nelson, Founder and CEO of KPN Consulting. He gives us a recap of the community banking landscape since the Covid pandemic and describes what 2025 could hold for community banks.   DOWNLOAD OUR FREE LOAN PRICING VIDEO SERIES HERE The views, information, or opinions expressed during this show are…

Today we feature our final backstage episode from the Elevate Banking Forum. Chris Nichols (Director of Capital Markets at SouthState) and Nathan Stovall (Director of Financial Institutions Research at S&P Global Market Intelligence) discuss the current state of the banking industry. Download the Presentation Slide Deck Here The views, information, or opinions expressed during this…

How does a commercial loan’s maturity and amortization impact credit? Many credit officers would prefer to set shorter maturities for loan repayment terms.  The logic is that it is better for the bank to control the credit with a hard stop and revisit credit appetite at shorter intervals.  If credit conditions are appropriate, the bank…

Today we’re joined by KBW CEO, Tom Michaud, to discuss the key banking storylines going into Q4. 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 its employees. SouthState Bank, N.A. – Member FDIC

Today we sit down with Mark Kanaly, Partner at Alston & Bird to discuss the key trends every community banker should be paying attention to. 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 its employees. SouthState Bank,…

Today we sit down with Anton Schutz, President of Mendon Capital. Anton specializes in the banking industry and we discuss the current challenges and opportunities facing regional and community banks today. The views, information, or opinions expressed during this show are solely those of the participants involved and do not necessarily represent those of SouthState…

Today we bring back Karl Nelson from KPN Consulting. Karl recaps the previous year in banking and discusses the biggest challenges facing community banks today. GET YOUR FREE ARC STEP-UP PLAYBOOK HERE The views, information, or opinions expressed during this show are solely those of the participants involved and do not necessarily represent those of…

Today we’re joined by Nathan Stovall, Director of Financial Institutions Research at S&P Global.  We discuss deposit trends, the outlook for commercial credit, and outlook for interest rates. GET YOUR FREE ARC STEP-UP PLAYBOOK HERE The views, information, or opinions expressed during this show are solely those of the participants involved and do not necessarily…

This week we sit back down with Bert Purdy, Partner with FORVIS. We discuss the key trends that will define the community banking landscape in 2024. Book an ARC Demo & Strategy Call with Our Team Here Claim Your Free Strategic Refinane eBook Here Listen to our 2022 interview with Bert about Strategic Planning Claim…