Results include
Case Studies
Jun 22, 2022
Facing several challenges including losing deals to the competition that could offer longer-term rates, the bank needed a new lending strategy. Learn how they overcame and increased lending deals by 75%.
Dec 28, 2023
As we continue down memory lane, we revisit this June 6 article on deposits: When it comes to deposit stickiness, finding creative new ways to serve your customers and build their loyalty can help keep your customers.
Jun 6, 2023
An average customer can probably walk away from their current banking relationship and find another that will pay them a higher interest rate on deposits. But average customers are largely not walking away from their existing banking relationships. We discuss why customers stay put and how to use those reasons to your advantage.
Jan 11, 2024
Employers have begun swapping conventional executive titles with new, trendy alternatives. But it’s not just about the titles — the roles themselves are changing as well, something younger talent with a yearning for a purpose-driven culture especially craves. We explore why these new executive roles may help you get a leg up on the competition for key talent.
Dec 5, 2023
Over the past year, the financial sector has had to navigate many disruptive forces. In two back-to-back articles, we look at the challenges faced by CFIs and the opportunities that have emerged during 2023. In this first article, we explore how CFIs have responded to economic uncertainty and inflation, intensified competition for deposits, and shaken consumer confidence in the banking industry.
Oct 24, 2023
Increased competition from neobanks for small businesses and Gen Z customers, rising tech budgets, and emerging opportunities are just a few of the themes highlighted in Bank Director’s 2023 Technology Survey. We summarize some of the key findings and their relevance to CFIs.
Jun 21, 2023
As CFIs seek to maintain active lending portfolios within an environment where they must deal with both rising interest rates and competition, risk-based pricing has become increasingly important, particularly for commercial lending. We discuss best practices for implementing risk-based loan pricing with commercial lenders at your CFI.
Mar 23, 2023
Small businesses are increasingly doing business across international borders, and in need of international banking support. We discuss how CFIs can best serve their customers’ cross-border banking needs and stay ahead of the competition.
Feb 22, 2023
As CFIs look to retain and hire top talent this year, they may need to spend more to keep their top performers happy. A recent survey projects a 4.6% salary increase as companies balance inflationary pressures and competition for high-performing employees. We take a look at what that means for your institution.
Jan 26, 2023
Job seekers have the advantage across most industries, including the financial industry. By increasing employee engagement and creating a people-first culture, CFIs have an opportunity to keep high performers and stand out from the competition. We explain what employee engagement means and how you can practice it.
Nov 23, 2022
The pandemic caused many smaller companies to adopt digital technologies that expanded their ability to reach customers across the US and in other nations. Many of the companies say that cross-border commerce is a way to grow businesses and keep up with the competition. As a result, CFIs with international payment solutions may have opportunities to strengthen relationships, add new customers, and grow fee income.
May 20, 2022
With increasing interest rates, community financial institutions stand to enlarge their net interest margin. Yet, lending competition is fierce in many areas, so it won’t always be easy. We give you three ways to generate income in the current rate environment.
Apr 24, 2023
The financial industry’s largest players are gearing up to introduce a new digital wallet aimed at competing with behemoths like PayPal and Apple Pay. Though it is still unclear how everything will play out, CFIs should keep a close watch on what they are planning while continuing to focus on their own digital offerings.
Jan 27, 2023
The regulatory environment for banking M&A is evolving. Regulatory agencies are assessing the current competitive environment with an eye toward improving measures of competitiveness. While much remains uncertain, the recent merger of U.S. Bank and Union Bank offers some insights that may benefit banking institutions.
Jan 10, 2023
Nimble neobanks have an edge in the world of digital banking. But CFIs have advantages in the real world of finance, stemming from their traditional, brick-and-mortar businesses. Those traditions can help level the playing field.
Apr 16, 2024
The OCC and FDIC have each proposed rules to enhance transparency around their processes of reviewing M&A transactions under the Bank Merger Act. We summarize the details of each agency’s proposal and provide resources to review and comment on the suggested changes.
Apr 8, 2024
The commercial real estate sector experienced significant headwinds during 2023. Fortunately, early signs suggest a more stable, and in some cases positive, market in 2024. We review the outlook for the industry and suggest ways in which CFIs can manage risk and continue to support their CRE customers.
Apr 3, 2024
Why is now a beneficial time to consider a loan participation? Peter Dewes, PCBB’s Senior Vice President and Senior Lending Officer, shares his insights for community financial institutions to consider.
Mar 21, 2024
Providing added value for business customers can be as simple as sharing existing resources within your organization such as conference room space or wi-fi. We discuss some options of nontraditional benefits you can provide to help your small business customers.
Mar 14, 2024
For banks, the big three issues for 2024 are deposit growth, customer acquisition, and digital enhancement. Those three are perennial list toppers. We discuss why that is and how 2024 will shape your approach to meeting those priorities.