Why Now Is The Time To Use Swap Spreads For Loan Pricing

Community banks face intense competition for profitable borrowers and relationships.  With short-term interest rates rising and long-term rates still at historically low levels, all bankers should understand how swap spreads may provide a competitive lending advantage.  In this current market, swap spreads are negative, and banks that can utilize swap spreads in pricing loans gain…

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The Potential Value of Hedge Fee Income

Community banks have historically generated less non-interest or fee income than larger lenders.  One reason for this is the lack of analytics on how fee income translates to revenue and profitability.  While there are many ways that community banks can increase fee income, one specific source of non-interest income should be particularly appealing to community…

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