Compete with Regional Banks for Loans

Can smaller banks really compete with regional giants?

Larger regional and national banks have certain natural advantages over commercial banks beyond the simple reality of the economies of scale. They enjoy a lower cost of funding, higher levels of capital and have higher profitability. However, community banks charge lower fees, work and live closer to the customer giving them more ability to build personalized relationships, and have greater liquidity and therefore funding capacity. In this webinar, we asked attendees to share with us their currently most challenging loan pricing requests, which we evaluate with them using LoanPricingPRO. A common theme consistent across all of the submitted examples was that knowing exactly where you stand versus your bank specific ROE targets when you attempt to match rate with the large banks, is key to winning profitable deals, and knowing when to walk away from the ones that could damage your bank.

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