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Bob Sechler, Austin Business Journal. Keystone Bank experienced a notable year in 2023, growing its assets by over 10% and hiring around 20 new employees, despite the broader banking industry facing challenges due to the Federal Reserve's interest rate hikes. These hikes impacted industry profits and loan demand, contributing to the collapse of major banks like Silicon Valley Bank and First Republic. However, Keystone Bank, a community bank with $843.9 million in assets, successfully navigated these challenges, thanks to its community-focused model and resilient Austin-area clientele. Jeff Wilkinson, Keystone’s chairman and CEO, credits the bank's strong performance to its local focus and crisis resilience. Celebrating its five-year anniversary, Keystone has grown into the region's fifth-largest locally headquartered bank, with assets projected to reach $1 billion by year-end. Keystone began in 2018 by purchasing Ballinger National Bank and relocating to Austin. It has three locations, including a new headquarters in Bee Cave, and has raised about $80 million across four funding rounds. Wilkinson remains optimistic about Austin's economic conditions, noting the region's diversity, entrepreneurial spirit, and cautious approach to risk-taking. He anticipates a more stable banking industry in 2024, potentially aided by Federal Reserve rate cuts. Despite no immediate plans for further acquisitions or new branches, Keystone is open to opportunities, particularly in underserved areas like East Austin. The bank has reached a point where it can generate capital through earnings, reducing the need for additional funding rounds. Wilkinson also highlights Austin's affordability challenge, noting the high living costs affecting young adults and potentially driving growth in other cities like Dallas. #keystonebank #austinbanking #financialgrowth #communitybanking #bankingindustry #interestratehikes #assetgrowth #bankexpansion #economicresilience #localbanking #austineconomy #bankingchallenges #financialservices #federallreserve #ratehikesimpact #bankingstability #bankinginnovation #localbusinesssupport #economicoutlook #austinrealestate

Kamal Bajoria, our Managing Director of Investment Banking, shared valuable insights in a recent feature by Kennedy Zak in the Los Angeles Business Journal, discussing PNC Bank’s growth in Southern California. Kamal discusses PNC’s strategic moves, from building local partnerships to tapping into the Southern California market. With PNC ranking as the sixth largest bank in the U.S., expanding in California means more access to high-net-worth clients, venture capital, and tech landscapes—a significant advantage for the bank in bridging the competitive gap. Kamal also emphasizes the importance of hiring locally to build strong relationships with L.A.’s business community. He notes that PNC’s recent partnership with TCW Group is a “win-win” for private credit services. Read the full article below! #InvestmentBanking #PNCBank #LABJ #LAGrowth #FinancialServices #SoCalBusiness #IndustryInsights

**Surviving Financial Distress: The Story of New York Community Bancorp** *Summary:* New York Community Bancorp (NYCB), a leading regional bank specializing in lending to New York City landlords, has found itself in a state of severe financial distress. Back in 2021, there was immense optimism surrounding the potential merger between NYCB and Flagstar, with NYCB's very own Thomas Cangemi expressing his enthusiasm. However, fast forward three years, and the bank continues to struggle. But fear not! As a veteran Investment Advisor, I'm here to shed some light on this situation and provide guidance for HSA investors. While NYCB's current situation may seem daunting, it's crucial to remember that investment opportunities arise from even the most challenging circumstances. By analyzing NYCB's financials, industry trends, and market conditions, we can uncover potential strategies to navigate this turbulence successfully. As an investment advisor, my goal is to empower you to take advantage of the market fluctuations and turn them into profitable opportunities. So, let's dive into the details, evaluate the risks and rewards, and make informed decisions that align with your long-term financial goals. Don't let the Fear of Missing Out (FOMO) dictate your actions. Take charge of your HSA investments, ensuring the growth and security of your health and wellness future, as well as that of your family. #hsa #investing #healthcare #health #family #wellness 💼📈💪🔍🌱💰

Only put off until tomorrow what you are willing to die having left undone. **Eagle Bancorp Executives to Attend Jefferies Bank Summit** 📅 Event Date: December 9, 2024 **Summary:** Eagle Bancorp, Inc. has announced that its President and CEO, Susan G. Riel, and CFO, Eric R. Newell, will be attending the prestigious Jefferies Bank Summit on December 9, 2024. This event will provide a unique opportunity for Eagle Bancorp executives to meet with institutional investors and discuss the future of the company. As an experienced investment advisor, I encourage you to take note of this important event. Engaging with institutional investors can often lead to valuable insights and potential growth opportunities for your investment portfolio. Attending conferences and summits like the Jefferies Bank Summit allows investors to stay ahead of the curve and make well-informed decisions. Don't miss out on the chance to stay connected with the latest developments in the financial sector. By actively participating in events like this, you can avoid the Fear of Missing Out (FOMO) and ensure that you are always making educated investment choices. #HSA #Investing #Healthcare #Health #Family #Wellness 💼💰🏥💪👨👩👧👦

Forbes top 20 list!! Proud to work for such an amazing bank. "Raleigh, North Carolina-based First Citizens Bank scooped up Silicon Valley Bank last March, taking on $110 billion in assets, and its shareholders continued to be rewarded handsomely with a 186% one-year return through March 18 of this year, the best among all the banks included on the list. The acquisition also helped First Citizens post the best-in-class return on average tangible common equity, return on average assets and operating revenue growth, boosting it to 20th on the list from 87th last year despite a higher proportion of nonperforming assets than most peers—0.64%, compared with a median of 0.4% for all banks eligible for this list." https://lnkd.in/geFmahKJ

🚀 Big wins in the financial world! Scotiabank's stellar fourth-quarter profits and reduced bad loan provisions signal robust stability and savvy management. 🌟 A perfect time for ambitious 25-44-year-olds, especially women in banking, to elevate their financial game! Ready to capitalize on this momentum? Download the app and start your journey to financial success today! 💪 #Scotiabank #MoneyMoves #FinancialFreedom #SmartInvesting #Growth #VamosParceros #Scotiabank #FinancialSuccess #WomenInBanking #WealthBuilding #FinancialLiteracy #EmpowerYourFuture

I’m going to let you in on a little secret… Community banks power over 60% of the U.S. economy and help drive small business success. They make that happen through financing working capital needs and capital investment. Community banks also provide secure cash management solutions to help those businesses get their cash in quicker and hold onto it longer. Last week I posted a poll. The Exit Planning Institute conducted a survey in 2023 to gauge the "State of Owner Readiness" for exiting their business in the next ten years. The correct answer was 75% of business owners would like to exit their business within the next 10 years. Additional information: → 55% of the business owners surveyed had annual revenues of less than $25 million. → 69% of business owners surveyed identified exit strategy on their priority list. → "Banker" is rated fifth on their list of "Most Trusted Advisor" according to the 2023 survey, behind Financial Advisor, Attorney, Accountant, and Spouse. It's progress, "Banker" didn't make the list Most Trusted Advisor in the 2013 survey. For what it's worth, it seems like there is a great opportunity for banks to meet their customers where they are in their journey. Being known as the bank that offers education and solutions would be a major differentiator in your market. That reputation will draw current customers closer and will attract new customers from competitors who don't offer those solutions. The people buying the businesses will want to bank with a bank who they know can help them for when the time comes too. Your customers are the heroes. Heroes need guides. Be the guide. #CommunityBanking #BusinessBanking #SmallBusiness #BankingSolutions #CommercialBanking #SmallBusinessSaturday

Metro Bank Business Model Change Sharing a great article by Kayleena Makortoff, writing in the Guardian, which many of you may have missed in the summer. Metro Bank has gone through a troubled time in recent years. It lacked the scale to really challenge the major High Street Banks, but this did not stop it building a sizeable branch network at a time when the majority of high street banks were busy right-sizing their own networks. A return to profitability appears to be on the horizon for Metro as it progressively steps away from standard retail mortgages (kick started by the sale of a good proportion of its book to NatWest) and adopts a more focused, niche strategy which is more consistent with its smaller scale. This strategy appears to be centred around high margin SME and specialist lending (shared ownership / buy to let etc.) that puts it more in competition with the likes of Paragon and Shawbrook, rather than the major high street banks. Unlike its new competitors, however, Metro Bank is tied into long leases on its branch network. There is, therefore, as Makortoff points out no business model quite like the one Metro is adopting. Their new CEO rightly points out that the very essence of strategy is to be different, and he sees success as coming from the fact that they are not copying anyone. In particular, he believes its branch network can give it distinct advantages with business in the north of England. It will be interesting to see what these advantages are - how will the branches be reinvented? Will they be critical in delivering business education, will they help build business communities and innovation for example, and for Metro how will they support customer stickiness and revenue growth? Interesting times ahead. # Banking #banking business models #scale v specialisation https://lnkd.in/eF8-BXsb

**Toronto-Dominion Bank (TD) Exceeds Expectations with Strong Performance in Capital-Markets Division** 📈💰 In a stunning display of financial strength, Toronto-Dominion Bank (TD) has outperformed analyst expectations with its remarkable performance in the capital-markets division. This accomplishment has resulted in adjusted earnings of C$2.04 per share for the fiscal second quarter, surpassing the average estimate of C$1.85. 🏛️📊 As Canada's second-largest lender, TD has experienced a significant boost in net income from its combined capital-markets unit. This achievement highlights the bank's ability to navigate through challenging market conditions and emerge victorious. The exceptional results further solidify TD's position as a top player in the industry. 🌟⚡ Investors who have chosen to include TD in their Health Savings Account (HSA) portfolios should be elated with this outstanding performance. TD's continued success showcases the potential for significant growth and profitability within the healthcare sector. ✨🏥 As an investment advisor dedicated to helping investors grow their HSA accounts, I strongly encourage everyone to take notice of TD's exceptional performance. Don't let the fear of missing out hold you back from potentially maximizing your returns. Act now and ensure that your HSA is optimized to secure your financial future. 💪🚀 #hsa #investing #healthcare #health #family #wellness

Minnesota's community banks are more than just financial institutions – they're pillars of support, offering guidance for small business owners to help bolster their local economies. Community banks support small businesses in many ways: 💲 Access to capital – Community banks empower businesses to expand operations and realize their potential by providing vital access to capital through loans, lines of credit, and other financial services. 🧠 Local knowledge – Community banks intimately understand the local economy and specific needs of small businesses within their communities, allowing them to offer insights into market conditions, regulations, and other factors critical for new business success. 🙂 Personalized service – Community banks pride themselves on personalized service, building relationships with small business owners based on trust and understanding, and providing tailored solutions. 🤝 Networking & resources – Community banks facilitate connections with other local business leaders and organizations, promoting a network of support within the community. By choosing a community bank as your financial partner, your small business gains not only access to capital, but also a trusted ally invested in your success. Find your community bank: www.bankinmn.com #communitybankingmonth #communitybanking #smallbusiness #smallbusinesslending #newbusiness #banklocal #bankinmn