Results include
Apr 9, 2024
Taking a more hands-on approach to educating organizations within your community on securing funding — even when it is from outside avenues, such as federal grants — can help CFIs strengthen ties to their communities and foster goodwill that can pay off down the road.
Aug 31, 2023
As the banking industry has pulled back its lending activity, nonbanks, such as private equity firms, have moved in to fill the lending gap among large syndicated loans. We discuss what this could mean for CFIs and their participation in the syndicated loan market.
Jan 23, 2023
Some CFIs are finding that rising interest rates are causing their current calculated asset levels to show up as negative under the tangible capital rule used by Federal Home Loan Bank. Financial organizations across the country are asking for relief.
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.
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.
Aug 21, 2023
Online fraud is on the rise, along with criminals’ success rate in duping companies out of money. Yet, small businesses are not allocating sufficient funding to fraud prevention. As CFOs begin to step up security investments, a major area they should focus on is their AR & AP processes.
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 28, 2024
The Federal Reserve has released its 2024 stress testing scenarios: its primary tool to assess the largest banks’ fiscal health resiliency by estimating losses, net revenue, and capital levels under hypothetical recession scenarios. This year’s severely adverse scenario includes unemployment reaching 10%, a widening spread on corporate bonds, and dramatic declines in asset prices. We summarize the scenarios and determine how they can help CFIs devise their own tests to improve their capital planning and risk management.
Mar 25, 2024
Women are launching businesses at a more aggressive rate than men, yet lending disparities continue to favor men as entrepreneurs. With women-owned businesses representing $2.7T in revenue, CFIs should be actively targeting this group.
Mar 11, 2024
Private equity firms and other private investors are showing more interest in CFI deals. We detail what CFIs should consider in the event a PE offer arrives and how to prepare if your CFI accepts a PE investment.
Jan 25, 2024
More and more CFIs are courting nonprofits as customers, offering loans and other products and services. We discuss some of the unique financial needs of nonprofits and provide examples of how some CFIs are working with these customers.
Jan 23, 2024
A new study from Capgemini shows that business customers are increasingly in need of help with cash management. We discuss the biggest cash flow challenges for businesses and what solutions CFIs can offer those customers.
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.
Jan 4, 2024
Over the past three years, nearly half of all banks formed a partnership with a fintech, and 91% of banks have said that fintech partnerships are important in driving business strategy. What factors should CFIs consider to help those partnerships run smoothly and productively?
Jan 3, 2024
Finding the right amount to award your executives for bonuses can be a challenge. Compensation committees that use discretion in determining incentive payouts risk receiving criticism from investors and proxy advisory firms, whose policies tend to prefer formulaic incentive plans. However, discretion is an important feature of many banks’ annual incentive plans that, if used appropriately, can enhance the relationship between executive and CFI.
Dec 6, 2023
In this second part of our review of 2023, we look at the challenges brought about by the evolving fintech landscape, the ever-increasing cybersecurity threats, and mounting regulatory complexity. We explore how CFIs have responded to these situations.
Nov 29, 2023
A challenging economy hasn’t deterred startups, which continue to be formed at record rates. As CFIs seek to identify the most promising startups seeking lending, there a few key things they should be looking for.
Oct 25, 2023
A successful transformation for any organization necessitates more than deciding that change is needed. CFIs should carefully think through long-term goals, make sure leadership has a shared vision, and allocate appropriate resources before setting out to make meaningful change within their institutions.
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.
Oct 18, 2023
The Fed wants to make sure that all banks are aware of how the Fed Discount Window works and what it can offer during a crisis. Many small banks had problems using the Discount Window during the recent cash crunch. We summarize the Fed’s new tips to ensure a smooth Fed Discount Window borrowing experience.