{"id":29363,"date":"2017-03-03T18:55:06","date_gmt":"2017-03-03T18:55:06","guid":{"rendered":"https:\/\/www.saratoga.com\/saratogabusinessjournal\/?p=29363"},"modified":"2017-03-03T18:55:06","modified_gmt":"2017-03-03T18:55:06","slug":"local-banks-see-large-growth-commercial-small-business-administration-loans","status":"publish","type":"post","link":"https:\/\/www.saratoga.com\/saratogabusinessjournal\/2017\/03\/local-banks-see-large-growth-commercial-small-business-administration-loans\/","title":{"rendered":"Local Banks See Large Growth In Commercial And Small Business Administration Loans"},"content":{"rendered":"
\"\"
This office of Saratoga National Bank in Troy is one of the newer branches of the company that has been expnding into areas outside Saratoga County
Courtesy Saratoga National Bank<\/figcaption><\/figure>\n

By Maureen Werther<\/span><\/p>\n

Local and regional banks are reporting record growth and increased attention being paid to expansion\u2014physically and technologically\u2014as they continue to court the growing number of businesses that are expanding throughout upstate New York.<\/span><\/p>\n

While some local banks, like Adirondack Trust Co. are building upon their already strong relationships with customers in the immediate area, other banks, like Ballston Spa National Bank and Saratoga National, have seen significant growth as a result of expanding into other regional markets.<\/span><\/p>\n

Still other banks, like NBT, which has branch offices throughout the state, are continuing to be viable competitors by offering high-caliber of services to meet the needs of a diverse customer base.<\/span><\/p>\n

Stephan Von Schenk, president of Adirondack Trust, said last year saw record growth across all three of their lending portfolios, with residential and consumer lending up by 15 percent.<\/span><\/p>\n

\u201cAnything over 10 percent is very fast and is not sustainable without expansion and increasing infrastructure,\u201d he said. <\/span><\/p>\n

But expansion doesn\u2019t necessarily have to mean adding more brick-and-mortar locations in new areas or in already established markets. Growth in technological infrastructure, expansion of services, products and processes, as well as making significant investments in employees, are all integral components of growth and enhanced customer experiences.<\/span><\/p>\n

Von Schenk refered to the expansion and growth strategy as a \u201cthree-legged stool,\u201d which includes enhancing both the customer and the employee experience, along with an increase in sales. <\/span><\/p>\n

Adirondack Trust has been a leader in SBA loan servicing over the last several years and the company has won the distinction of Commercial Lender of the Year, in either the small or large bank categories, for the past 14 years.<\/span><\/p>\n

In 2016, the bank saw an increase of 47 percent over the preceding year in SBA lending.<\/span><\/p>\n

\u201cOnce you get over $1 billion in lending, you get bumped to the larger bank category and you are competing against much larger banks,\u201d said Von Schenk. Adirondack Trust has continued to hold its own as one of the smaller fish swimming in that bigger pond, and Von Schenk doesn\u2019t see any signs of that success abating any time soon.<\/span><\/p>\n

He said Adirondack Trust is off to a great start in 2017 and the bank is committed to servicing customers in the Saratoga and Warren counties.<\/span><\/p>\n

\u201cWe would be diluting the strength of our services if we went beyond this area,\u201d he said. <\/span><\/p>\n

Other banks are enjoying significant growth in large part due to expansion efforts into other markets. Ballston Spa National Bank, which has been serving customers since 1838, recently announced plans to open two new locations in Voorheesville and Guilderland, bringing its number of branches to 13. Ten new staff members will be hired.<\/span><\/p>\n

The question of whether growth drives expansion or vice versa, seems to be easily answered. The popular movie line, \u201cIf you build it, they will come,\u201d looks like it is holding true for BSNB, as well as for Saratoga National and Glens Falls National Banks, which are owned by Arrow Financial Corp. <\/span><\/p>\n

According to Saratoga National Bank\u2019s Director of Marketing Tim Badger, commercial loan growth of loans has been strong at both Glens Falls and Saratoga National In 2016, commercial lending increased by $49.3 million, up 10.1 percent over the previous year. <\/span><\/p>\n

Badger also noted that Saratoga National and Glens Falls National were named as a Five-Star institution by the independent rating agency, Bauer Financial. They were also recognized in 2016 as the number-one small commercial lender by the SBA for the third year running.<\/span><\/p>\n

As with BSNB, Saratoga and Glens Falls National are always looking for new opportunities to expand their footprint into new areas. <\/span><\/p>\n

\u201cOver the past few years, we\u2019ve added locations in Latham, Troy and Clifton Park,\u201d said Badger. He added that they are \u201cvery optimistic about growing our opportunities going forward and we are always looking for further expansion.\u201d<\/span><\/p>\n

NBT Bank, which has a much broader reach across the state, has nevertheless positioned itself as a viable competitor alongside the other \u201ccommunity-focused\u201d institutions. Based out of Norwich, N.Y., NBT has steadily gained market share through its exceptional service, both in the brick and mortar environment and in the online, virtual sphere, officials said. <\/span><\/p>\n

Dan Burke, who is the North Country\/Saratoga regional president, said while no two commercial loans are alike, customer relationships flourish because of the staff\u2019s ability to understand and respond to the needs of the small business person. <\/span><\/p>\n

\u201cWhile credit may still be a bit tight, NBT continues to be very competitive in pricing for commercial lending and we are seeing people borrowing money for all the right reasons,\u201d he said, noting that more and more businesses are using dollars for expansion of facilities, innovation, upgrading and automating technology and processes and investing in new equipment. <\/span><\/p>\n

While in the past, obtaining lending from a bank seemed to be an interminable process, Burke noted that in many instances the bank can have an answer for a small business customer within a short period of time, rivaling the turn-around times of the capital investment companies that cropped up nationwide during the 2008 economic downturn, as a response to the banks\u2019 tightened restrictions on lending.<\/span><\/p>\n

Burke sees NBT as being highly competitive in the areas of both rate structures and response time, something that small businesses need when planning strategies for growth.<\/span><\/p>\n

In 2015, NBT made a total of $1.2 million in SBA loans, and 15 loans totaling $2.2 million in 2016.<\/span><\/p>\n

\u201cIn our North Country\/Saratoga Region, we\u2019ve seen a 20 percent increase in commercial loans since 2014,\u201d he said. <\/span><\/p>\n

The bank recently reported that its total volume of lending increased by more than 30 percent between 2014 and 2015. Burke added that NBT is already off to a great start in 2017. <\/span><\/p>\n

\u201cBusinesses have not been as adversely affected by the deep cold winters in the past two years,\u201d he said, which means that new construction and expansion can begin earlier, with shovels ready to go into the ground sooner in the year.<\/span><\/p>\n

NBT\u2019s recent hiring of Sarah Halliday to the position of executive vice president and president of commercial banking is another indicator that NBT is expecting to become an increasingly stronger presence in and around the region.<\/span><\/p>\n","protected":false},"excerpt":{"rendered":"

By Maureen Werther Local and regional banks are reporting record growth and increased attention being paid to expansion\u2014physically and technologically\u2014as they continue to court the growing number of businesses that are expanding throughout upstate New York. While some local banks, like Adirondack Trust Co. are building upon their already strong relationships with customers in the […]<\/p>\n","protected":false},"author":89,"featured_media":29364,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[4],"tags":[],"class_list":["post-29363","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-banking-asset-managment"],"yoast_head":"\r\nLocal Banks See Large Growth In Commercial And Small Business Administration Loans - Saratoga Business Journal<\/title>\r\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\r\n<link rel=\"canonical\" href=\"https:\/\/www.saratoga.com\/saratogabusinessjournal\/2017\/03\/local-banks-see-large-growth-commercial-small-business-administration-loans\/\" \/>\r\n<meta property=\"og:locale\" content=\"en_US\" \/>\r\n<meta property=\"og:type\" content=\"article\" \/>\r\n<meta property=\"og:title\" content=\"Local Banks See Large Growth In Commercial And Small Business Administration Loans - Saratoga Business Journal\" \/>\r\n<meta property=\"og:description\" content=\"By Maureen Werther Local and regional banks are reporting record growth and increased attention being paid to expansion\u2014physically and technologically\u2014as they continue to court the growing number of businesses that are expanding throughout upstate New York. 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