BANCMAC COMMUNITY BANC MORTGAGE CORP. YOUR COMMUNITY BANK MORTGAGE PARTNER bancmac.com mortgages@bancmac.com 888.821.7729 | NMLS# 571147 BancMac provides correspondent and wholesale lending and is your Community Bank Mortgage Partner to help your financial institution originate fixed-rate secondary market loans including: PROGRAMS • Conventional Loans • USDA Rural Development Loans • Rural Living (Hobby Farm) Loans • VA Loans • Jumbo Loans • FHA Loans OUR PARTNERS RECEIVE: • Superior Service & Competitive Pricing • No Minimum Volumes • Significant, Non-Interest Fee Income • Non-Solicit Protections & More slowdown. As businesses and consumers become more cautious, loan demand may decline, and existing borrowers may struggle to meet their obligations, leading to increased default rates. This deterioration in asset quality can significantly impact community banks, which often have concentrated loan portfolios tied to local economies. It’s a bit of a non-sequitur to claim inverted curves cause a decline in credit quality. It’s more like the curve is reacting to that expectation. A rise in non-performing loans can strain capital reserves and lead to regulatory scrutiny. Conclusion The shape of the Treasury yield curve is a pivotal factor influencing the operations and financial health of community banks. A normal upward-sloping curve supports profitable lending practices and encourages economic growth, while an inverted or flat curve presents challenges related to interest rate risk, profitability, and asset quality. Community banks must remain vigilant and adaptable to changes in the yield curve, employing sound risk management strategies and maintaining strong relationships with their local communities. Understanding these dynamics is essential for community banks as they strive to navigate the complexities of the financial landscape and continue to support their local economies. Jim Reber (jreber@icbasecurities.com) is president and CEO of ICBA Securities, ICBA’s institutional, fixed-income broker-dealer for community banks. Fenimore Kay Harrison LLP Elects Mathew A. Petersen to Partner Fenimore Kay Harrison LLP is proud to announce that Mathew A. Petersen has been elected to Partner. Mat has been an integral part of our team and its Kansas City office, providing exceptional legal counsel to our banking and financial services clients. Mat is a graduate of the University of Kansas School of Law and University of Kansas School of Business, where he obtained a J.D./M.B.A. While in law school, he served as editor-in-chief of the Kansas Law Review and on the Moot Court Council. Mat and his wife, Amanda, live in Lawrence, Kansas, with their 11-month-old son, Owen. When he is not serving the legal needs of our clients, Mat enjoys cooking, spending time with his family and attending KU sporting events. Fenimore Kay Harrison focuses on representing banks and other financial institutions in a wide range of corporate, securities, governance, and regulatory matters. With Mat’s continued contributions, we look forward to further strengthening our ability to serve our clients with the highest level of specialized legal counsel. Please join us in congratulating Mat on this well-deserved achievement! Fenimore Kay Harrison LLP Elects Mathew A. Petersen To Partner Fenimore Kay Harrison is proud to announce that Mathew A. Petersen has been elected to partner. Mat has been an integral part of our team and the Kansas City o ce, providing exceptional legal counsel to our banking and nancial services clients. Mat is a graduate of the University of Kansas School of Law and the University of Kansas School of Business, where he obtained a J.D./M.B.A. While in law school, he served as editor-in-chief of the Kansas Law Review and was on the Moot Court Council. Mat and his wife, Amanda, live in Lawrence, Kansas, with their 11-month-old son, Owen. When he is not serving the legal needs of our clients, Mat enjoys cooking, spending time with his family and attending KU sporting events. Fenimore Kay Harrison focuses on representing banks and other nancial institutions in a wide range of corporate, securities, governance and regulatory matters. With Mat’s continued contributions, we look forward to further strengthening our ability to serve our clients with the highest level of specialized legal counsel. Please join us in congratulating Mat on this well-deserved achievement! The Show-Me Banker Magazine | 23
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