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    <title>Community banking</title>
    <link>https://www.americanbanker.com/tag/community-banking</link>
    <description>Community banking</description>
    <language>en-US</language>
    <pubDate>Thu, 30 Jul 2026 21:47:43 GMT</pubDate>
    <dc:date>2026-07-30T21:47:43Z</dc:date>
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    <item>
      <title><![CDATA[ How concentration risk hit one banking-as-a-service provider ]]></title>
      <link>https://www.americanbanker.com/news/how-concentration-risk-hit-one-banking-as-a-service-provider</link>
      <description><![CDATA[ Coastal Financial in Everett, Washington, is reshuffling its management team and abandoning an expansion plan. On Thursday, the bank reported a nearly $69 million credit expense sparked by a fintech partner's deteriorating financial condition.  ]]></description>
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      <category><![CDATA[ Community banking ]]></category>
      <category><![CDATA[ Banking as a service ]]></category>
      <category><![CDATA[ Earnings ]]></category>
      <pubDate>Thu, 30 Jul 2026 21:47:43 GMT</pubDate>
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      <dc:creator>John Reosti</dc:creator>
      <dc:date>2026-07-30T21:47:43Z</dc:date>
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      <title><![CDATA[ It's time for community banks to break free of 'core' limitations ]]></title>
      <link>https://www.americanbanker.com/opinion/its-time-for-community-banks-to-break-free-of-core-limitations</link>
      <description><![CDATA[ Community banks have long been reliant on — and constrained by — a handful of core-banking technology vendors. But enterprise artificial intelligence licenses offer the chance to transcend those limitations.  ]]></description>
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      <category><![CDATA[ Community banking ]]></category>
      <category><![CDATA[ Artificial Intelligence ]]></category>
      <category><![CDATA[ Risk ]]></category>
      <category><![CDATA[ Bank technology ]]></category>
      <pubDate>Thu, 30 Jul 2026 11:30:00 GMT</pubDate>
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      <dc:creator>Perry Revell</dc:creator>
      <dc:date>2026-07-30T11:30:00Z</dc:date>
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      <myauthor:jobTitle>CEO, AB&amp;T Bank</myauthor:jobTitle>
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      <title><![CDATA[ FirstSun boosts outlook on impact of First Foundation deal ]]></title>
      <link>https://www.americanbanker.com/news/firstsuns-boosts-outlook-on-impact-of-first-foundation-deal</link>
      <description><![CDATA[ The Denver-based bank scaled back its estimate of tangible-book-value dilution resulting from the First Foundation deal to 10%, down from the 14% figure projected in October.  ]]></description>
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      <category><![CDATA[ Community banking ]]></category>
      <category><![CDATA[ Earnings ]]></category>
      <category><![CDATA[ Credit quality ]]></category>
      <pubDate>Tue, 28 Jul 2026 21:42:15 GMT</pubDate>
      <guid isPermaLink="false">0000019f-aa9b-da08-afff-ee9f90c10001</guid>
      <dc:creator>John Reosti</dc:creator>
      <dc:date>2026-07-28T21:42:15Z</dc:date>
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      <title><![CDATA[ Community banks push back on Fed's 'skinny' account proposal ]]></title>
      <link>https://www.americanbanker.com/news/community-banks-push-back-on-feds-skinny-account-proposal</link>
      <description><![CDATA[ More than two dozen community banks submitted letters to the Federal Reserve expressing concern that its proposed "skinny" payment account framework could put them at a competitive disadvantage.  ]]></description>
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      <category><![CDATA[ Payments ]]></category>
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      <category><![CDATA[ Community banking ]]></category>
      <category><![CDATA[ Market Risk ]]></category>
      <pubDate>Tue, 28 Jul 2026 20:10:08 GMT</pubDate>
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      <dc:creator>Maria Volkova</dc:creator>
      <dc:date>2026-07-28T20:10:08Z</dc:date>
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      <title><![CDATA[ Your bank's cyber insurance policies are a minefield of uncertainty ]]></title>
      <link>https://www.americanbanker.com/opinion/your-banks-cyber-insurance-policies-are-a-minefield-of-uncertainty</link>
      <description><![CDATA[ The policies most community banks rely on for cyber liability, fidelity bonds and directors and officers insurance are full of overlapping exclusions, restrictive coverage sublimits and vague specifications. That can become an expensive problem.  ]]></description>
      <category><![CDATA[ Community banking ]]></category>
      <category><![CDATA[ Cyber Security ]]></category>
      <category><![CDATA[ Insurance ]]></category>
      <pubDate>Tue, 28 Jul 2026 11:30:00 GMT</pubDate>
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      <dc:creator>Joerg Proeve</dc:creator>
      <dc:date>2026-07-28T11:30:00Z</dc:date>
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      <myauthor:jobTitle>Independent risk advisor, Breezy Risk</myauthor:jobTitle>
      <myauthor:profileLink>https://www.americanbanker.com/author/joerg-proeve</myauthor:profileLink>
    </item>
    <item>
      <title><![CDATA[ One bank's pitch to potential depositors: Do well and do good ]]></title>
      <link>https://www.americanbanker.com/news/one-banks-pitch-to-potential-depositors-do-well-and-do-good</link>
      <description><![CDATA[ Climate First Bank's fast-growing loan portfolio is creating the need for additional funding. In response, the Florida bank is rolling out a checking account that pays a high yield and also sends money to a nonprofit organization chosen by the customer.  ]]></description>
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      <category><![CDATA[ Community banking ]]></category>
      <category><![CDATA[ Checking ]]></category>
      <category><![CDATA[ Deposits ]]></category>
      <pubDate>Mon, 27 Jul 2026 20:35:57 GMT</pubDate>
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      <dc:creator>John Reosti</dc:creator>
      <dc:date>2026-07-27T20:35:57Z</dc:date>
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      <title><![CDATA[ Bankers want reforms at the Fed, but which ones? ]]></title>
      <link>https://www.americanbanker.com/news/bankers-want-reforms-at-the-federal-reserve-but-which-ones</link>
      <description><![CDATA[ Bankers largely agree that there should be reforms, but don't agree on which ones; plus, our second batch of best-performing banks.  ]]></description>
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      <category><![CDATA[ Bank Notes ]]></category>
      <category><![CDATA[ Federal Reserve ]]></category>
      <category><![CDATA[ Community banking ]]></category>
      <category><![CDATA[ Interest rates  ]]></category>
      <pubDate>Mon, 27 Jul 2026 10:05:00 GMT</pubDate>
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      <dc:creator>Paul Vigna</dc:creator>
      <dc:date>2026-07-27T10:05:00Z</dc:date>
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      <title><![CDATA[ The top-performing banks with $2B to $10B of assets in 2025 ]]></title>
      <link>https://www.americanbanker.com/news/the-top-performing-banks-with-2b-to-10b-of-assets-in-2025</link>
      <description><![CDATA[ In American Banker's ranking of banks with the strongest metrics, here is this year's list in the $2-$10 billion range, based on data from Capital Performance Group.  ]]></description>
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      <category><![CDATA[ Top Performing Banks 2026 ]]></category>
      <category><![CDATA[ Community banking ]]></category>
      <pubDate>Mon, 27 Jul 2026 10:00:00 GMT</pubDate>
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      <dc:creator>Maria Volkova</dc:creator>
      <dc:date>2026-07-27T10:00:00Z</dc:date>
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    <item>
      <title><![CDATA[ GOP fraud plan: More tools for banks, no scam liability ]]></title>
      <link>https://www.americanbanker.com/news/gop-fraud-plan-more-tools-for-banks-no-scam-liability</link>
      <description><![CDATA[ The House Financial Services Committee's Republican majority backed slower funds availability and declined to shift authorized-scam losses onto banks.  ]]></description>
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      <category><![CDATA[ Politics and policy ]]></category>
      <category><![CDATA[ Regulation and compliance ]]></category>
      <category><![CDATA[ Fraud ]]></category>
      <category><![CDATA[ Payments ]]></category>
      <category><![CDATA[ Community banking ]]></category>
      <category><![CDATA[ Technology ]]></category>
      <pubDate>Fri, 24 Jul 2026 19:04:05 GMT</pubDate>
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      <dc:creator>Carter Pape</dc:creator>
      <dc:date>2026-07-24T19:04:05Z</dc:date>
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      <title><![CDATA[ Two minority banks plan to merge in $105 million deal ]]></title>
      <link>https://www.americanbanker.com/news/two-minority-banks-plan-to-merge-in-105-million-deal</link>
      <description><![CDATA[ Optus Financial in South Carolina will acquire M&amp;F Bancorp in North Carolina in a deal that's set to create one of the largest Black banks in the United States.  ]]></description>
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      <category><![CDATA[ M&A ]]></category>
      <category><![CDATA[ Community banking ]]></category>
      <category><![CDATA[ CDFIs ]]></category>
      <pubDate>Thu, 23 Jul 2026 18:10:34 GMT</pubDate>
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      <dc:creator>Allissa Kline</dc:creator>
      <dc:date>2026-07-23T18:10:34Z</dc:date>
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      <title><![CDATA[ AI, sometimes, is even smarter than we think it is ]]></title>
      <link>https://www.americanbanker.com/news/ai-sometimes-is-even-smarter-than-we-think-it-is</link>
      <description><![CDATA[ An OpenAI program managed to escape its sandbox, go out on the web and find another AI platform, and hack it. Not even OpenAI expected that.  ]]></description>
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      <category><![CDATA[ Bank Notes ]]></category>
      <category><![CDATA[ Artificial Intelligence ]]></category>
      <category><![CDATA[ Community banking ]]></category>
      <pubDate>Thu, 23 Jul 2026 10:05:00 GMT</pubDate>
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      <dc:creator>Paul Vigna</dc:creator>
      <dc:date>2026-07-23T10:05:00Z</dc:date>
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      <title><![CDATA[ Cincinnati's First Financial strikes third deal in 13 months ]]></title>
      <link>https://www.americanbanker.com/news/cincinnatis-first-financial-strikes-third-deal-in-13-months</link>
      <description><![CDATA[ The planned acquisition of Finward Bancorp would bolster the Ohio bank's growing Chicago-area franchise, creating a platform big enough to support an organic buildout.  ]]></description>
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      <category><![CDATA[ M&A ]]></category>
      <category><![CDATA[ Community banking ]]></category>
      <category><![CDATA[ City of Chicago, IL ]]></category>
      <pubDate>Wed, 22 Jul 2026 17:30:24 GMT</pubDate>
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      <dc:creator>John Reosti</dc:creator>
      <dc:date>2026-07-22T17:30:24Z</dc:date>
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      <title><![CDATA[ Bank deregulation package inches toward House floor ]]></title>
      <link>https://www.americanbanker.com/news/bank-deregulation-package-inches-toward-house-floor</link>
      <description><![CDATA[ The new Main Street Capital Access Act includes a provision that lowers the regional Federal Reserve banks' discretionary surplus, as well as a number of technical changes that committee aides hope will pry loose a few more Democratic votes.  ]]></description>
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      <category><![CDATA[ Community banking ]]></category>
      <category><![CDATA[ Risk ]]></category>
      <category><![CDATA[ Political Risk ]]></category>
      <category><![CDATA[ Politics and policy ]]></category>
      <category><![CDATA[ Regulation and compliance ]]></category>
      <pubDate>Mon, 20 Jul 2026 19:35:45 GMT</pubDate>
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      <dc:creator>Claire Williams</dc:creator>
      <dc:date>2026-07-20T19:35:45Z</dc:date>
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      <title><![CDATA[ Congress has leveled the deposit playing field for community banks ]]></title>
      <link>https://www.americanbanker.com/opinion/congress-has-leveled-the-deposit-playing-field-for-community-banks</link>
      <description><![CDATA[ The new law's reciprocal and custodial deposit provisions recognize what the evidence has shown for two decades. They should spur, not substitute for, the broader work of protecting America's depositors.  ]]></description>
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      <category><![CDATA[ Regulation and compliance ]]></category>
      <category><![CDATA[ Politics and policy ]]></category>
      <pubDate>Mon, 20 Jul 2026 11:30:00 GMT</pubDate>
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      <dc:creator>Eugene Ludwig</dc:creator>
      <dc:date>2026-07-20T11:30:00Z</dc:date>
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      <myauthor:jobTitle>CEO</myauthor:jobTitle>
      <myauthor:company>Ludwig Advisors</myauthor:company>
      <myauthor:profileLink>https://www.americanbanker.com/author/eugene-ludwig</myauthor:profileLink>
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    <item>
      <title><![CDATA[ Bank7 targets Sept. 3 close for contested NM rival buyout ]]></title>
      <link>https://www.americanbanker.com/news/bank7-targets-sept-3-close-for-contested-n-m-rival-buyout</link>
      <description><![CDATA[ Bank7 CEO Tom Travis told analysts the court-ordered auction for a 71% stake in Century Bank should open in August.  ]]></description>
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      <category><![CDATA[ M&A ]]></category>
      <category><![CDATA[ Community banking ]]></category>
      <category><![CDATA[ Litigation ]]></category>
      <pubDate>Thu, 16 Jul 2026 18:36:42 GMT</pubDate>
      <guid isPermaLink="false">0000019f-6c27-d127-a5df-7eff75df0001</guid>
      <dc:creator>Jasmine Ni</dc:creator>
      <dc:date>2026-07-16T18:36:42Z</dc:date>
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    </item>
    <item>
      <title><![CDATA[ The catch in Trump's new bank cybersecurity hub ]]></title>
      <link>https://www.americanbanker.com/news/the-catch-in-trumps-new-bank-cybersecurity-hub</link>
      <description><![CDATA[ Feeding vulnerabilities into Gold Eagle could expose a bank to regulators or lawsuits, a cybersecurity lawyer warns.  ]]></description>
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      <category><![CDATA[ Cyber Security ]]></category>
      <category><![CDATA[ Artificial Intelligence ]]></category>
      <category><![CDATA[ Treasury Department ]]></category>
      <category><![CDATA[ Community banking ]]></category>
      <category><![CDATA[ Regulation and compliance ]]></category>
      <category><![CDATA[ Technology ]]></category>
      <pubDate>Thu, 16 Jul 2026 13:31:34 GMT</pubDate>
      <guid isPermaLink="false">0000019f-67bb-d127-a5df-7fffd4820001</guid>
      <dc:creator>Carter Pape</dc:creator>
      <dc:date>2026-07-16T13:31:34Z</dc:date>
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    </item>
    <item>
      <title><![CDATA[ CSI purchases treasury payments fintech Qolo ]]></title>
      <link>https://www.americanbanker.com/news/csi-purchases-treasury-payments-fintech-qolo</link>
      <description><![CDATA[ The deal is the latest in a series of acquisitions by bank core provider CSI, which is further expanding its offerings for regional and community banks.  ]]></description>
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      <category><![CDATA[ Commercial banking ]]></category>
      <category><![CDATA[ M&A ]]></category>
      <category><![CDATA[ Community banking ]]></category>
      <category><![CDATA[ Core systems ]]></category>
      <category><![CDATA[ Bank technology ]]></category>
      <category><![CDATA[ Technology ]]></category>
      <pubDate>Wed, 15 Jul 2026 20:18:08 GMT</pubDate>
      <guid isPermaLink="false">0000019f-675b-d71e-a99f-7fffe9d90001</guid>
      <dc:creator>Melinda Lucy</dc:creator>
      <dc:date>2026-07-15T20:18:08Z</dc:date>
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    </item>
    <item>
      <title><![CDATA[ First Hawaiian strikes $2B deal to return to US mainland ]]></title>
      <link>https://www.americanbanker.com/news/first-hawaiian-strikes-2b-deal-to-return-to-u-s-mainland</link>
      <description><![CDATA[ The Honolulu-based company said it plans to acquire TriCo Bancshares in Chico, California, and retain all of the seller's 68 branches.  ]]></description>
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      <category><![CDATA[ M&A ]]></category>
      <category><![CDATA[ Community banking ]]></category>
      <category><![CDATA[ California ]]></category>
      <pubDate>Mon, 13 Jul 2026 20:04:27 GMT</pubDate>
      <guid isPermaLink="false">0000019f-5d03-dd47-a3bf-7f53ecd30000</guid>
      <dc:creator>John Reosti</dc:creator>
      <dc:date>2026-07-13T20:04:27Z</dc:date>
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    <item>
      <title><![CDATA[  Vantage's Jeff Sinnott on digital assets for community banks ]]></title>
      <link>https://www.americanbanker.com/leaders/vantages-jeff-sinnott-on-digital-assets-for-community-banks</link>
      <description><![CDATA[ Jeff Sinnot, CEO of Vantage Bank and American Banker's 2026 Most Innovative Person In Finance, sits down with tech reporter Melinda Lucy to talk about the bank's diversified approach to digital assets and the opportunities the DeFi sector holds for community banks.  ]]></description>
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      <category><![CDATA[ Leaders ]]></category>
      <category><![CDATA[ Community banking ]]></category>
      <pubDate>Mon, 13 Jul 2026 16:54:47 GMT</pubDate>
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      <dc:date>2026-07-13T16:54:47Z</dc:date>
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      <title><![CDATA[ One small bank fails, while others thrive ]]></title>
      <link>https://www.americanbanker.com/news/one-small-bank-fails-while-others-thrive</link>
      <description><![CDATA[ Kentland Federal became the third bank this year to fail; meanwhile, American Banker today publishes its list of the best-performing small banks.  ]]></description>
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      <category><![CDATA[ Bank Notes ]]></category>
      <category><![CDATA[ Community banking ]]></category>
      <category><![CDATA[ Failures ]]></category>
      <pubDate>Mon, 13 Jul 2026 11:12:12 GMT</pubDate>
      <guid isPermaLink="false">0000019f-5b21-daa9-afbf-df6bd4e50000</guid>
      <dc:creator>Paul Vigna</dc:creator>
      <dc:date>2026-07-13T11:12:12Z</dc:date>
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