How To Increase Loan Revenue by 20% While Decreasing Interest Rate Risk by 80%

At SouthState Bank, we are using a tested strategy to increase loan revenue by 20% and decrease interest rate risk by 80%.  We are achieving this result on our better credit quality commercial loans without any gimmicks or confusion to the borrower.  We have developed a technique and a loan structure to assist bankers who:…

Read More about How To Increase Loan Revenue by 20% While Decreasing Interest Rate Risk by 80%

Preparing For Inflation’s Impact on Credit

Some economists, Fed officials, and pundits are making the argument that while inflation may run hot for the next year or so, the risks of long-term high inflation is not pronounced and inflation will be capped at around 3% in the near future, and the probability of runaway inflation is next to nil.  This is…

Read More about Preparing For Inflation’s Impact on Credit

Why Community Banks Should be Selling Participations

Most community banks will find it challenging to meet their loan growth targets in 2021.  Part of the challenge is lack of loan demand, elevated and rising loan payoffs, and stiff competition.  Therefore, most community banks conclude that they do not want to sell participation in a good commercial loan to another lender. However, selling…

Read More about Why Community Banks Should be Selling Participations