Independent Banker - January 2020 - 29
Next: Why 2019 was a strange year for the yield curve shift
be a harbinger of things to come in the
banking industry.
" More banks than ever before
are starting to collaborate with one
another. The banking industry is
changing and, especially with fintech
firms having great services and
products that ultimately need a bank
behind them, it's all about coming
together, " McDonald says. " Collaboration
is going to be key for the future
of banking. "
Partnership advice
For other banks interested in exploring
opportunities to invest in an MDI,
finding a partner with the right chemistry
is a critical component, says
Bellamy. She recommends seeking out
a bank with a similar business philosophy
or goals.
Banks should also understand what
the investment is going to be used for.
If it's being used for CRA credit, " you
definitely have to make sure it has a
CRA benefit, " Bellamy says. " You also
want to make sure that you're going
to be investing in a strong company.
Look for companies that have longevity
in the market and that are serving
the needs of the community. "
This is particularly important,
because any investment you make is a
reflection of your community bank.
" As an investor, you want to work
and deal with companies that have
a very high, earned reputation and a
good track record, " Meyer says. " The
investment goes beyond just dollars
and cents. It's an investment in each
other, and so it's important that both
parties see it as a win-win.
" In this instance, the investment
and the partnership it has created has
the added benefit of having a positive
impact on the communities both institutions
serve. "
Cheryl Winokur Munk is a writer in
New Jersey.
THE ICBA VETS AND APPROVES US.
COMMUNITY BANKS DO, TOO.
Profit from our trusted SBA expertise. As the ICBA's
only Preferred Service Provider for SBA lending, we help
you maximize your community bank's earning potential.
Let us manage and simplify every step of the process, from
loan packaging and closing, to securitization and sale, to
portfolio servicing. All at no net cost to you.
Get started today.
800.340.7304 www.holtandmon.com
" Collaboration is going to be key
for the future of banking. "
-Todd O. McDonald, Liberty Bank and Trust Company
http://www.holtandmon.com
Independent Banker - January 2020
Table of Contents for the Digital Edition of Independent Banker - January 2020
Table of Contents
Independent Banker - January 2020 - Intro
Independent Banker - January 2020 - Cover1
Independent Banker - January 2020 - Cover2
Independent Banker - January 2020 - Table of Contents
Independent Banker - January 2020 - 2
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Independent Banker - January 2020 - Cover3
Independent Banker - January 2020 - Cover4
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