Correspondent Blog

In a previous article (HERE), we discussed how a portfolio of commercial loans with various expected average lives resulted in different net present value (NPV) of income over a ten-year period.  Our analysis shows that an average community bank can expect $9.7mm NPV of income (about 1% ROA) on a $100mm loan portfolio when the…

We recently worked with a community bank in the Southeast that wanted to win a piece of credit business for a manufacturing company.  The manufacturing company had a long-time relationship with a national bank and the community bank lender was struggling to make inroads with the company’s CEO and owner.  The CEO finally agreed to…