Results include
- 1 Events
- 3 Webpages
- 1 Whitepapers
- 1 Webinars
- 1 Press Releases
- 1 Economic Indicators
- 12 BID Newsletters
Industry Events
| Oct 17, 2024 | Lending & Credit Conference |
Webpages
May 21, 2023
Our most frequently asked questions around the accounting standard for Current Expected Credit Loss.
May 21, 2023
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.
May 15, 2023
Let PCBB help your institution by stress testing your loan portfolios and evaluating the resulting impact on both earnings and capital.
Whitepapers
Jan 23, 2024
As concerns about inflation ease and the possibility of an impending recession remains on the horizon, financial institutions are grappling with added pressures on their loan portfolios and are likely to
see increased credit stress in certain lending segments. We offer four strategies to help you manage credit risk and provide tips for incorporating stress testing into your regular operations.
Webinars
Jul 13, 2017
Community banks with total assets over $100mm and in good regulatory standing.
Press Releases
Economic Indicators
Nov 1, 2023
As predicted, the FOMC did not change its benchmark rate range from 5.25%-5.50%. This marks the second consecutive pause, which holds the benchmark rate at a 22-year high. The Fed statement acknowledges tighter "financial" and credit conditions, which implies rates...
Oct 17, 2023
When we think about credit card rates and perks, we tend to think of retail consumers, but credit cards are a vital tool for small businesses as well. We review the benefits of business credit cards and how those benefits can be used to entice businesses to apply.
Sep 21, 2023
This is the second part of our summary of the FDIC 2023 Risk Review. We take a closer look at the FDIC’s findings on potential credit risks for the banking industry and community financial institutions.
Jun 7, 2023
Pay by bank, a service that allows consumers to log into their bank accounts during an online purchase rather than entering a credit card, will debut as a new efficient payment method this year at online US retailers. While the service is more secure and eliminates the need for retailers to store consumer credit card data, it also means no fee revenue for credit card issuers.
Mar 24, 2023
Helping business clients of every size is at the core of CFIs and their missions. CFIs have a little-known tool that can help their SMB clients: the employee retention credit (ERC). We break down what this refundable tax credit is, who may qualify, and how it can help your customers.
Jan 25, 2023
CFIs that want to issue credit cards have a new alternative to the agent bank model and the cost of investing in their own credit card-issuing system. They can leverage CCaaS fintechs. CFIs get more income and control — customers get broader product offerings and a more digital experience. We explore this option more.
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.
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.
Dec 12, 2023
We interviewed industry expert and PCBB’s President Mike Dohren about the key trends CFIs should look out for in 2024, including increased cyber risk, funding and liquidity struggles, and credit quality.
Dec 21, 2022
The Bank Supervision Operating Plan, published annually by the Office of the Comptroller of the Currency, can serve as a “cheat sheet” to help CFIs focus their compliance efforts in the right areas. Among the 13 areas identified by the 2023 operating plan, two are related directly to credit quality.
Mar 27, 2024
Financial institutions dealt with economic uncertainty, higher interest rates, more expensive funding, lower loan demand, and concerns about credit quality in 2023. Yet they continued to grow loans overall. There are some indicators that the lending market could begin growing again. We discuss what factors would contribute to this change.
Mar 5, 2024
Higher interest rates and the cost burden they impose are driving a cycle of deleveraging and cash conservation at many companies. Small business owners are balancing the need to offset higher interest expenses and lessened credit availability while also addressing competing demands for strategic growth. We provide tips for how CFIs can help their business customers align their capital with their strategic plans.
Dec 26, 2023
This week, we will revisit the top BIDs of the year as we say goodbye to 2023. Our first stop down memory lane brings us to this article from Feb 15: Americans are using cash less frequently and making payments more often by credit card or through payment apps. CFIs will need to provide both advanced digital capabilities and a willingness to handle cash banking as well.