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Dec 4, 2022
A simple solution that allocates your customers' large deposits across a proprietary bank network, ensuring FDIC insurance on all deposits.
Dec 4, 2022
A selection of market rates, updated daily.
BID Newsletters
Feb 22, 2022
Despite an unprecedented need to help victims of natural disasters and wars around the world, humanitarian aid nonprofits and other organizations — along with their financial institutions — often face challenges transferring funds for aid to certain countries. This is primarily due to the risk of money laundering or terrorist financing. We review the government’s findings on how to improve this situation and what this could mean for community financial institutions.
Jan 25, 2022
Community financial institutions have seen low interest rates for a long period of time. This caused net interest margins to be squeezed tightly, yet it allowed bankers to reduce their dependence on wholesale funding. Now, when interest rates are expected to rise, it is crucial to have strategies to balance increasing net interest income with rising funding costs.
Feb 25, 2022
As small and midsize businesses are optimistic, 90% anticipate their business will expand successfully. Many of these businesses will need funding to fuel this expansion, especially with increasing costs. Here are three ways to tap into business optimism and growth.
Nov 15, 2021
Decentralized finance (DeFi) is in its early stages. So, do community financial institutions need to follow this new trend? Yes. One big bank has dipped its toe into these waters and more are likely to follow. Not only that, but also DeFi is seen as a viable funding option for SMBs and the unbanked. Here is what you should know.
Sep 29, 2021
Nonemployer firms, which consist of only the owner, have had a hard time with funding, according to a recent report from the Federal Reserve. While 41% of these small businesses reached out to big banks for PPP loans, only 52% of those received the funds they wanted. Community financial institutions have an opportunity with this sector.
Aug 24, 2021
With 8MM minority-owned businesses in the US, many are having a hard time finding funding. Financial institutions, large and small, are stepping up to help them. While we know that community financial institutions are masters at assisting their communities, we highlight four important ways financial institutions are supporting minority-owned businesses.
Jun 8, 2021
Businesses are opening up countrywide. But, with the ongoing supply chain issues and price pressures, many small businesses are struggling. There are several opportunities for community financial institutions to assist these businesses in their community, including the Restaurant Revitalization Fund, short-term funding, and advisory expertise.
Jan 21, 2021
PPP funding is back! We give you the highlights, including additional eligible applicants, maximum loan amounts, and forgiveness updates.
Dec 6, 2021
According to the Federal Reserve’s Senior Loan Officer Opinion Survey, commercial loan demand is starting to increase. But, the competition is fierce. While some community financial institutions have increased their small business approval rates, will it be enough to stay in the game? Here are five lending tips to help your institution stay competitive.
Aug 11, 2021
Recently, several Fed speakers have indicated that rising inflation rates could lead to an increase in interest rates as early as late 2022. With the current economic uncertainty, how can community financial institutions prepare? We have four ways, including identifying opportunities in existing lending niches and adding more fee income.
Apr 15, 2021
The industry is awash in cash, but not all deposits are created equally. Now is a good time to review and finetune your core deposit strategy. Ways to do this include: capturing customer relationships, revisiting your offerings, and restructuring fees so that you can position your institution for the future.
Oct 6, 2022
Financial institutions are increasingly using carbon calculators and other carbon footprint features to help customers better understand the environmental impact of their purchases and behave more sustainably. We provide an overview of these technologies and look at some of the benefits they offer CFIs.
Sep 22, 2022
Digitization is a critical component in CFIs’ efforts to remain competitive with fintechs and their largest peers, but the personalization of smaller banks is their most valuable asset. We explore how to reconcile these seemingly competing forces to achieve a digital experience that works for your customers and your CFI.
Sep 21, 2022
Universal retirement benefit plans are on the horizon for many states in the US, with proposed congressional legislation meaning potentially big changes for small business customers. CFIs can aid those small business customers with preemptive educational offerings to help prepare them for what’s to come.
Sep 16, 2022
CFIs can lower their exposure while boosting their profitability by pricing commercial loans commensurate with the borrower’s risk. We delve into the details of a risk-based pricing model.
Sep 15, 2022
Top-performing financial institutions had higher expenses last year, but also higher revenues and profit, as well as more loan growth. While their frugal peers may have been better at holding down costs, the higher performers got more bang for their buck.
Aug 23, 2022
The majority of women expect to be solely responsible for their own finances at some point in their life and a large number are stressed about money. Yet, a lack of knowledge and concerns about risk are major barriers that keep women from making financial preparations. We look at how and why CFIs should tailor products, services, and marketing to women’s unique needs.
Aug 1, 2022
CFIs have been successful in expanding relationships with small business owners who came to the institution during the pandemic for a Paycheck Protection Program (PPP) loan. Indeed, some PPP borrowers even moved their entire banking relationship over to the CFI. We look at some of the ways CFIs have been able to deepen those relationships.