September 23, 2016

Defining Community Banks’ Future for Success

It seems that community banks are under siege. From new and more stringent regulations to the presence of fintech startups to widening demographics that demand more personalization than ever before, it’s gotten harder and harder to stay relevant and compete. Innovation has to take into account the hard trends shaping our marketplace and set aside the space to anticipate and build foresight.  

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Topics: Community Banking, stakeholders

September 07, 2016

Closing in on the American Dream: Millennials and Mortgages

You have gotten your degree and settled in your career, now what? For many young adults, starting a family could be on the top of their priority list. So it’s pretty safe to assume that finding a house is on the list as well. As is the case with the job market and economy as a whole, Millennials are the largest – and potentially the most lucrative – segment in the housing market. In fact, this group has a collective spending power that exceeds a trillion dollars.[1]

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Topics: Community Banking, Millennials, Mortgage

June 01, 2016

5 Steps to a Great Customer Experience

Not unlike retailers, banks are challenged to provide a quality, consistent customer experience in their locations and online. Analysts have said that we’re in the Age of the Consumer, and that is apparent – people want to feel like their bank knows them, understands what they want and need, and helps to fulfill those wants and needs from any channel they choose. They want personalization, both with regard to the relationship they have with their bank, and in the product/service mix they are offered.

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Topics: Community Banking, Customer Experience

February 25, 2016

2016 ABA Conference Recap: Your Most Important Priorities

My HORNE Cyber Solutions colleagues and I just spent two wonderful days at the annual Alabama Banker’s Association (ABA) Bank Operations and Management Summit. Talks and discussions during the event centered on three overlying themes. We have discussed some of them previously in this blog, and all are pertinent to your banking organization.  

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Topics: Strategy, Community Banking, Electronic Health Records

October 07, 2015

M&A as a Competitive Advantage for Community Banks


The competitive spirit is a driving force that pushes each of us to reach unimaginable heights. It’s also what makes sports stories so endearing – particularly those where an underdog overcomes great obstacles to win.  I particularly like this quote from Rocky Balboa (Sylvester Stallone) in the movie Rocky: 

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Topics: Community Banking, M&A

August 05, 2015

An Inside Look at the Millennial Banker’s Ideal Branch

By 2020, Millennials will account for $1.4 trillion in spending. That’s a massive increase from annual current levels of about $600 billion. Already, this generation is 80 million members strong, and their measurable impact is growing exponentially as they age into adulthood.[1] This demographic thinks differently about money and banks than their predecessors. They are financially informed, and prioritize quick, convenient and mobile banking solutions.

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Topics: Community Banking, Branch Bank, Millennials

June 03, 2015

Community Banks: This is What Matters to Millennials

How’s this for a statistical wake up call? By 2020, it is estimated that one in three Americans will be labeled a Millennial – and by 2025, 75% of our workforce will be composed of Millennials. They may take a bad rap, but there’s no doubting it – Millennials are the future leaders of American business. It’s probably why there is so much discussion around how to attract and retain this large, active demographic as a customer base.

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Topics: Community Banking, Millennials

May 13, 2015

Strategy Unlocks the Window of Opportunity

Jim Mabry, the Managing Director of Keefe, Bruyette & Woods, recently shared with a HORNE audience his view of the current window of opportunity that exists for banks looking to go public. He highlighted that there is broad interest within the investment community for high growth community banks.

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Topics: Community Banking, Bank Growth

April 02, 2015

Every Customer is a VIP

Dr. Maya Angelou once said, “At the end of the day people won't remember what you said or did, they will remember how you made them feel.” Every now and then, I’m reminded of how true it is. Promising or advertising a VIP experience is easy. Just claim to offer what you know people want.

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Topics: Community Banking, Culture

November 19, 2014

The Reason Your Bank Needs to Offer Prepaid Cards

I have fond memories of working as a bank teller in a small town during my college years, serving customers and hearing their stories. I’ll never forget my first Friday. It seemed like I’d cashed a thousand checks and it’s a miracle I balanced my drawer. But nothing was more satisfying than handing a smiling worker the cash they’d earned over a long, hard week.

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Topics: Bank Trends, Community Banking

October 16, 2014

How to Upgrade Your Community Bank's Toolbox with Wealth Management

Once considered a service exclusive to large banks, wealth management has become a growing source of non-interest income for community banks.

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Topics: Community Banking, Bank Growth

October 09, 2014

Community Banking News Roundup – Basel III, HELOC and Managing your M&A

HORNE believes in taking a windshield view of the future. That means continually gathering and reviewing information and intelligence about key regulation, compliance issues and economic trends that will have an impact on the direction that the banking industry takes going forward. 

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Topics: Community Banking, M&A

October 02, 2014

Seize the Chance to Make a Difference

Last weekend, my wife, teenage daughters, and I took part in Toyota TeenDrive 365. Toyota offers this interactive defensive driving education program with a stated goal of creating the next generation of safe drivers. 

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Topics: Community Banking, Bank Growth