The Correspondent

The holiday season brings joy, festivities, and, for community banks, a surge in activity. From increased transaction volumes to heightened customer service demands, the period between Thanksgiving and New Years can put a strain on bank operations. However, with the...

As the holidays approach, community banks have a unique opportunity to strengthen customer relationships, grow their brand, and engage with the local community. While it’s tempting to focus solely on closing out the year, the holiday season is also a prime time to...

Ben Franklin argued: “An investment in knowledge pays the best interest,” so maybe this quick review of how changing interest rates affect your borrowers’ repayment ability will pay off for you.  Better to check it out now than worry about it later.  As Will Rogers...

As the leaves start to change and the scent of pumpkin spice wafts through the air, community bankers know what’s just around the corner: the holiday rush. For many, it’s a time filled with joy, but it can also bring challenges for in-branch operations. Customers...

As the year draws to a close, community bankers find themselves gearing up for one of the most critical tasks on their calendars: the year-end financial review. This process is not just a regulatory requirement; it’s an opportunity to reflect on the past year’s...

Community banks have long been trusted for their personalized service, deep local knowledge, and commitment to their communities. When it comes to mortgage lending, these qualities are what set them apart from larger institutions. However, today’s competitive mortgage...

As a community banker, you're no stranger to the ebb and flow of economic trends. You understand that your bank plays a critical role in providing financial services that strengthen the local economy, and perhaps nowhere is this more important than in the mortgage...

As a community bank lender, you know that fluctuating interest rates can significantly impact the mortgage market. High interest rates can be particularly challenging, as potential borrowers might be hesitant to take on new mortgage loans. However, with the right...

In today's competitive financial landscape, community banks face unique challenges. Among them is the need to balance growth with the commitment to serve local communities. One critical area where this balance is tested is in mortgage lending. Aligning your mortgage...