San Antonio Woman’s Post

Community banks are there for you when you need them most. Love the quote in this article from the Kansas City Fed, "In serving local markets, community banks have a heavily vested interest in the success of their communities. Given a primary purpose of a community bank is to serve the credit needs of the community, these activities facilitate the growth and prosperity of local businesses." For more information on community banks as pillars of our local economy, check out this blog post from American Riviera Bank (arbv): https://lnkd.in/gTepmr8e.

Bank of America is closing three branches in DFW even as it invests in new locations in the region. It's another sign of the evolving branch strategy of major financial institutions.

Old National Bancorp is set to become the Twin Cities' third-largest bank when its acquisition of St. Paul-based Bremer Bank closes in the second quarter of 2025. Kris Chucko and Julie McDonough will be tasked with leading the combined entity.

Ahh Texas bankers....(although most of the money's from NYC) Note that this is not nearly enough capital to give the deeply insolvent holdco Industry Bancshares, Inc. and its subsidiary banks a reasonable level of capital (if they were a public company) so presumably there is a plan for shrinkage plus some more capital to come. Or maybe not.... One of the great weirdnesses of our bank capital system is that a GAAP insolvent bank with $800 mm of AOCI losses is totally fine from a Tier 1 equity capital standpoint if it made the right election back in the day because those losses....don't count!?! Plus, most of their assets have very low risk weights. So they have plenty of regulatory capital thank you very much, even if they will still be operating at a quarter or less of the capital that the markets ask community banks to have. It will be interesting to learn how much the Office of the Comptroller of the Currency and Federal Reserve Bank of Dallas were involved in the details. Or maybe the bank just wants to continue playing chicken with the regulators until interest rates bail them out. #banks

If you are looking for insights into how you can be competitive, thrive, and grow, I recommend reading this article about Pinnacle Bank, a family-owned and operated community bank. #familybusiness #familyowned #familyownedbusiness #lovefamilybusiness

🌟 Discover how community banks are leveraging the power of relationships to attract and retain deposits in an era dominated by rate competition. 💡 Featuring the innovative approaches of three Chief Deposit Officers, this piece sheds light on the importance of relationship management as a key magnet for deposits. https://lnkd.in/grdYccFy

When a giant in our industry asks me to comment, I'm grateful. This time, it's BAI, the financial services industry voice with a powerhouse team. Thanks, BAI, for discussing my favorite topic - community banking. This time we are focused on the commercial real estate sector. Community banks work tirelessly to support local communities, meet regulations, and deliver shareholder value. It's a tough balance, and that's why I have immense respect for the industry. Read more about it here: 👇 #communitybanks #cre #realestate

When I joined City National Bank of Florida in 2009, our bank had $2 billion in assets. Today, that number stands at more than $26 billion.   Over the past 15 years, we’ve built a solid platform for continued growth across our state – with best-in-class talent serving as our bedrock.   Never content with the status quo, we’re setting out on an ambitious path forward, reports Eman Elshahawy of South Florida Business Journal.   In the next two years, CNB will grow the size of our team by at least 20 percent, invest heavily in technology and new business lines, and further expand our presence in Palm Beach County, Tampa, and Orlando.   “I’ve long believed that CNB is in the right place at the right time, with the right platform. Florida’s resilience and steady growth over the past decade presents a phenomenal opportunity. Florida’s economy will continue to grow steadily as people, businesses and wealth migrate here. My sense is that Florida will see more progress over the next 10 years than we saw over the last 20 years…   There’s no other bank in Florida that’s effectively bridging the gap between big and small banks. We see that as a winning formula.” Read the full report here: https://lnkd.in/eMTU5zHa CNBFL Member FDIC

Texas Regional Bank continues to grow in North Texas, with new market expansions on the horizon. Read full story in the Dallas Business Journal: https://lnkd.in/g62mru6H

The latest issue of Bank Director magazine is available now — online and in print! And I'm thrilled to share our cover story, which I wrote, that focuses on the seven deadly sins of bank boards. I spent time wading through material loss reviews and talking to seasoned bank leaders for this piece — including Jim McAlpin, Jeff Rose, Kevin Ahern, Robert Maddox, CMB, CFE and Jeff Marsico. https://lnkd.in/egzMby92 Also inside: - John Milligan dives into acquisition strategies - Naomi Snyder explores how some community banks have found a way to excel at C&I lending - Laura Alix has the results of the 2025 Bank M&A Survey, sponsored by Crowe - And John Engen digs into the demise of Heartland Tri-State Bank.