The Correspondent

As a community bank lender, your goal is to support local businesses and help them thrive. One way to do this is by offering commercial customers long-term, fixed-rate loans. However, with the volatility of interest rates, this can be a risky proposition for your...

Setting goals is a critical part of steering any organization toward success, and community banks are no exception. However, the path to achieving these goals is often strewn with obstacles that can derail even the most well-laid plans. If you’ve ever felt frustrated...

Your brand is more than just a logo or a catchy slogan—it's the heartbeat of your institution. It’s how your customers perceive you, the trust they place in you, and the reputation you hold in your community. Building a strong brand is essential for distinguishing...

Small businesses are the lifeblood of local economies, and community banks play a crucial role in supporting these businesses. Offering a competitive small business checking account can be a game-changer, not only in attracting new clients but also in fostering...

Non-performing loans (NPLs) can be a significant challenge for community banks, affecting profitability and overall financial stability. As community bankers, you’re deeply connected to your local economy, and the impact of NPLs can be felt more acutely. However, with...

In today’s competitive job market, attracting top talent requires more than just offering a competitive salary and benefits package. As a community banker, you have a unique opportunity to craft an employer brand that not only stands out but also resonates deeply with...

In the ever-evolving landscape of community banking, technology continues to reshape the way we serve our customers. One innovation that has garnered attention is the Interactive Teller Machine (ITM). As community bankers, it's crucial to weigh the pros and cons of...

The community banking industry stands out as one of the few sectors where individuals can achieve upward mobility without a college degree necessarily becoming a barrier to entry. This unique characteristic opens doors for a diverse range of talents, enabling people...

Mark Twain once recalled, “I’ve had a lot of worries in my life, most of which never happened.”  A lot of worries add up to a lot of stress, which the Oxford Languages Dictionary defines as a “state of mental or emotional strain or tension resulting from adverse or...