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
We offer three tiers of our Current Expected Credit Loss (CECL) solution, tailored to meet your institution’s needs. Start small and upgrade later, if needed.
Press Releases
Economic Indicators
Jun 7, 2022
Bottom Line: Consumer credit rose more than expected again in  April. While there were negative revisions to earlier data, taking about $10B off the previously reported increases for the 1st Quarter, the trend continued to accelerate higher. Revolving credit growth...
BID Newsletters
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.
Jul 20, 2022
In this second part of our summary of the FDIC 2022 Risk Review, we take a closer look at the FDIC’s findings on potential credit risks for the banking industry and community financial institutions. While credit conditions for banks have improved in 2021, we examine the increased credit risk in certain sectors and markets linked to pandemic-related challenges, rising inflation and the war in Ukraine.
Apr 26, 2022
A full economic recovery in the various CRE sectors is crucial both for community financial institutions and their customers. The overall CRE market seems to be making a recovery after the pandemic's impact, especially the industrial sector. We highlight this sector and explore whether it will stay strong through the end of 2022.
Feb 23, 2022
After initially suffering a severe setback as a result of the pandemic, some areas of the commercial real estate (CRE) market are recovering more strongly than others. Notably, offices, multi-family, and certain niche sectors are looking optimistic. The outlook for subsectors like hotels and retail remains less certain.
Nov 24, 2021
In this second part of our review of 2021, we look at how lending was shaped and specifically address the shifts in the commercial real estate sector. While lending remained low across the board throughout the year, a recovery appears to be in the cards. Meanwhile, commercial real estate seems to have undergone a likely permanent transformation.
Aug 31, 2021
While the economic recovery is not yet complete, there are some bright spots, including CRE. Certain sectors of CRE are showing strength, such as industrial, which has been outperforming other asset classes, according to the CRE Financial Council (CREFC) Board. We reveal other insights by the CREFC Board and the Fed while highlighting certain CRE opportunities found by community financial institutions.
May 14, 2021
The annualized GDP rate for Q1 was 6.4% putting us on track for recovery, as vaccinations continue to roll out, infections are down, and businesses open up. The CRE industry is getting a boost too. We share the latest trends affecting retail, hospitality & travel, office space, and industrial industry segments.
Apr 28, 2021
Bankers are waiting with bated breath to see how commercial real estate portfolios will land now that some economic recovery seems to be underway. We detail some of the continuing challenges to CRE — retail, remote work, and inflation — along with our thoughts on the effects of these challenges to help with your plans for the future.
Apr 2, 2021
Commercial real estate (CRE) was hit hard because of the pandemic. Now, lenders are hoping that with the economic recovery, CRE will get back on track. We map out what to expect in the coming months with some of the winners and losers along with how to best prepare your institution for the anticipated CRE recovery.
Dec 16, 2020
Commercial real estate (CRE) has been hit hard. Your CRE borrowers are exploring creative opportunities to sublease their properties. Here are three innovative options that have sprung up.
Oct 20, 2022
Between inflation and higher interest rates, businesses need to charge more for goods and services, while also worrying that they’ll lose price-sensitive customers. As a result, CFIs are likely to see increased credit stress soon. We discuss six strategies CFIs can use to manage credit risk challenges in a volatile environment.
Oct 4, 2022
With inflation high and credit use rising, your customers may be more open to learning about sound financial practices. Community financial institutions can capitalize on these teachable moments by offering financial wellness education through an app, in a virtual classroom, or in-person.
Jun 8, 2022
When CFIs create “green niches” that support fast-growing companies with environmental-friendly business models, it can prove to be quite profitable. Then add the bonus of delighting investors and satisfying regulators, well then, the trifecta can bring great dividends indeed. We share several ways that your institution can create a green niche through real industry examples.