Dec 3, 2022
Our advisory services help you with risk management, increasing customer profitability, and appropriately pricing loans.
Dec 3, 2022
More than a bankers' bank. We provide cash management, lending, international, and risk management and profitability advisory services.
Dec 4, 2022
Let PCBB help your institution by stress testing your loan portfolios and evaluating the resulting impact on both earnings and capital.
Dec 4, 2022
Our most frequently asked questions around the accounting standard for Current Expected Credit Loss.
Dec 3, 2022
CECL platform offers embedded data sources for documenting your Q Factors and forecasting options, transparent reporting, access to a team of advisors and more.
Dec 3, 2022
Our Financial Insight & Technology (FIT) Solutions platform offers CFIs a measurement and analysis tool for loan pricing and customer profitability.
Oct 13, 2022
Financial institutions are turning to interest rate swaps and other derivatives to hedge against rising interest rates and to offer customers greater flexibility when structuring loans. As customers try to fix borrowing costs amid rising interest rates, swaps are something your CFI might want to consider.
Nov 9, 2021
Artificial intelligence (AI) is being used extensively throughout the financial industry. One area that many CFIs are finding AI especially helpful is risk management. In fact, Forrester has found that AI can increase ROI by 4x for risk management and efficiency. Here are five ways to use AI and increase your ROI.
Nov 1, 2022
While there is no shortage of risks that CFIs face, one way to enhance your risk management strategy might be in reshaping your board of directors. We give you tips on how to strengthen your board and reexamine the way the group approaches risk.
Oct 26, 2022
Fintechs — once viewed as an existential threat to community financial institutions — are now increasingly seen as offering institutions an opportunity to innovate and thrive. However, fintech partnerships carry risks and the regulators are watching closely. We summarize six key areas from the latest due diligence guidance to ensure a successful and responsible partnership.
Oct 5, 2022
Data analytics offer community financial institutions an opportunity to increase customer engagement, improve profitability, and grow revenue. We take a look at some of the analytics capabilities that can deliver on this promise and give you some tips on how to build them.
Sep 20, 2022
After two years of post-pandemic recovery in the CRE market, there are signs of a cooling off, driven by rising rates and fears of a recession. This leaves leading financial institutions with high CRE concentrations exposed and subject to greater scrutiny by regulators. We provide four strategies to manage CRE in this current market uncertainty.
Aug 19, 2022
With one-third of the country unable to secure traditional lending, some employers have begun adding loans for employees with adequate income but low credit scores to their benefit offerings. This allows employees to borrow funds and rebuild credit responsibly, while avoiding fees from siphoning off retirement savings.
Aug 17, 2022
The Federal Reserve just concluded its annual capital adequacy annual stress test with 33 participating banks. While regulators don’t require CFIs to run stress tests to assess their capital adequacy, the federal banking supervisory agencies indicate that they should have the capacity to analyze the potential impact of adverse outcomes, and particularly encourage this for CFIs with CRE portfolios. We provide four steps to help form the foundation of an effective capital planning process.
Jul 26, 2022
Eighty percent of financial institutions plan to move away from mainframes and embrace cloud computing within the next two to five years. From lower costs to greater capabilities, the switch to cloud computing is something CFIs can no longer ignore or leave on the back burner.
Jul 21, 2022
Boards of directors have essential monitoring and advisory responsibilities that affect their organizations’ performance. In an ideal world, a corporate board would have a strong culture and contribute to the success of the organization. A recent survey of smaller banks found that less than half of their boards met that standard.
Jul 13, 2022
The FDIC recently published its 2022 Risk Review. We summarize some of the report highlights relating to market, operational, and climate-related risks emerging within the banking industry, and discuss their potential impact on community financial institutions.
Jul 1, 2022
In the current low-rate environment, almost one in five community financial institutions plan to add new lines of business to boost earnings, alongside leveraging their existing business. Here we look at six potential revenue streams that CFIs may want to explore.