Webpages
Dec 5, 2022
Let PCBB help your institution by stress testing your loan portfolios and evaluating the resulting impact on both earnings and capital.
Dec 8, 2022
The latest information concerning bank mergers and acquisitions.
Dec 8, 2022
PCBB's Borrower's Loan Protection is a hedging solution for commercial lending to mitigate credit and interest rate risk.
Dec 8, 2022
We offer De Novo Bank services to support you from in-organization and beyond. Solutions include escrow and operational accounts, international banking services and more.
Dec 7, 2022
Learn the frequently asked questions about Borrower's Loan Protection and how BLP works.
Dec 7, 2022
Our profitability platform helps you win more deals with risk-based loan pricing and manage deposit pricing to increase your competitive advantage.
Dec 5, 2022
Our banking services in correspondent banking (cash management and international banking services), lending, and advisory services help streamline operations, mitigate risk, and increase income.
Dec 4, 2022
Our most frequently asked questions around the accounting standard for Current Expected Credit Loss.
Economic Indicators
Oct 4, 2022
Bottom Line:  The August Factory Orders report showed flat activity at the headline level and slight growth in core components as this "hard data" report confirmed what the "soft data" (purchasing manager surveys) have been telling us for months. Nondefense...
BID Newsletters
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.
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.
Mar 28, 2022
Consumer spending was up 2.1% in January, which has prompted several businesses to increase their inventory and turn to their community financial institutions for loans. What exactly is driving this need for more funds right now and how can bankers capitalize on them?
Feb 2, 2022
Recently, the OCC released its annual report on the federal banking system’s condition. Although the average capital levels were good and the federal banking system’s liquidity ratio was more than 3x the historical average, certain risks in the industry have increased. We give you some of the report highlights, including three important areas of focus for increased risk.
Oct 26, 2021
There has been a 25% increase in the number of startups last year compared to 2019. With increasing confidence as the economy picks up, these new businesses will need more capital. Even though lending levels are still low, now is the time to consider the criteria for lending to entrepreneurs when they come knocking. Here are six criteria to look for in these startups to translate into serious lending business.
Aug 3, 2021
Many bank executives use deferred compensation to maximize their total earnings. It has many advantages and with the potential change in ordinary and capital gains rates, those advantages could increase. We define deferred compensation and then explain the two important ways that it can help executives optimize their compensation payouts.
Jun 30, 2021
C-PACE is a low-cost, long-term, fixed-rate financing tool funded by private capital providers. It is being used by building owners to pay as much as 100% of the costs for energy efficiency, carbon emission reduction, and resiliency projects. We explore what you need to know about C-PACE in order to be prepared today and in the future.
Jun 14, 2021
Big banks such as Citibank, Bank of America, and Capital One have started offering virtual payment cards. Community financial institutions also have started dipping their toes in the water. We explore how virtual payment cards work, and the benefits of fraud protection and reduced costs. We delve into an example of a community bank offering virtual payment cards too.
Jan 7, 2021
With tight competition for top-quality borrowers and high levels of deposits, lending has its challenges in 2021. Three ways to handle these challenges: book more working capital loans, manage CRE portfolio challenges, and monitor nonbank and fintech competition.
Dec 6, 2022
This year has seen record inflation, ongoing interest rate hikes, and economic recovery, followed by anxiety over a possible recession. In this first installment of our three-part review of 2022, we look at this turbulent market and how it has impacted lending.
Dec 5, 2022
According to an analysis done by the Financial Brand, half the banks that exist today will disappear during the next 20Ys, leaving fewer than 2K banks in the US by 2042. Small banks will be particularly hit hard. We discuss what CFIs can do to help ensure that they are among the ranks of the survivors.