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- 19 BID Newsletters
Webpages
May 20, 2023
The latest information concerning bank mergers and acquisitions.
Aug 29, 2022
The US housing market has been red-hot for a good while. However, overvalued home prices, rising interest rates, and the growing number of home purchases by private equity firms mean that, for many financial institutions, the traditional mortgage business is shrinking. CFIs that want to compete in this space should market specifically to traditional homebuyers, and all CFIs should be aware of how this will impact the makeup of the communities they serve.
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 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.
Sep 19, 2023
As the number of banks continues to shrink, Fed Gov. Bowman says the US needs to find a way to encourage more startups. While some would-be de novo investors resort to buying existing banks and rebuilding them to circumvent the de novo process, Bowman advocates for revisions to de novo regulations. We discuss the logic behind each solution.
Feb 23, 2023
Faced with volatility in the stock and real estate markets, investors (including private equity firms) are turning to farmland as global commodity prices grow. That’s keeping some people from going into farming and means that established farmers are sitting on an increasingly valuable piece of collateral. We discuss how CFIs can support existing and new farmers.
Jun 8, 2022
When CFIs create “green niches” that support fast-growing companies with environmental-friendly business models, it can prove to be quite profitable. Then add the bonus of delighting investors and satisfying regulators, well then, the trifecta can bring great dividends indeed. We share several ways that your institution can create a green niche through real industry examples.
Apr 2, 2024
The right payment platform can create substantial opportunities for a CFI — and a CFI can use what it learns from finding the right payment platform to help business clients do the same. We discuss the factors a CFI should consider when selecting a payments platform.
Jan 22, 2024
Bank Director’s 2024 Bank M&A Survey explores FIs’ attitudes towards M&A. Although enthusiasm for a deal is somewhat flat, stagnant earnings may motivate FIs’ management and their boards to partner with other institutions in search of low-cost deposits. We discuss possible M&A trends for this year.
Nov 6, 2023
More and more CFIs are partnering with fintechs to automate and improve their ag lending practices. We share details of how such partnerships are enhancing banking relationships with farmers and ranchers.
Aug 29, 2023
Ensuring a truly diverse board necessitates identifying weaknesses in your current board composition and working toward filling those gaps. While gender and race are major factors in board diversity, they are not the only things that organizations should seek in their quest for diverse thinking and oversight.
Aug 8, 2023
CRE developers and lenders are seeing a stressed landscape for their business, as predictions of workers returning to offices haven’t been fully realized. A forward rate lock hedge can help both sides of the lending transaction by fixing a rate on future loans.
Aug 7, 2023
Colleges are often a key economic driver for their surrounding towns and cities because they attract spending power, encourage innovation, and drive demand. We explore these drivers and discuss some of the opportunities available for CFIs in college towns.
Jul 11, 2023
Small businesses form the backbone of not only the US economy but the client lists of many CFIs. But almost a third don’t think their banking institutions understand their needs. We look at some ways financial institutions can better support small businesses throughout their growth lifecycle.
May 23, 2023
Thousands of tech workers have been laid off, creating a much bigger pool of available talent. Trouble at neobanks and fintechs can present acquisition or partnership opportunities, as well as laid-off tech workers. CFIs can leverage these trends by scouting newly available workers and exploring acquisitions to alleviate staffing challenges and broaden their customer base.
Mar 9, 2023
As regulators shift their focus areas for this year’s audits, CFIs should pay particular attention to the new areas that have caught the eyes of regulatory agencies. Knowing what each particular regulator is focusing can be key to acing regulatory exams.
Feb 27, 2023
By offering wealth management services, CFIs find they can provide a one-stop shop to handle more of their customers’ financial needs, ultimately building loyalty. Institutions can develop their offering by building their own teams or through partnerships/outsourcing. We give you some examples of organizations that have succeeded with these different models.
Oct 17, 2022
Underappreciated or undiscovered industry or customer niches can be areas of expansion for CFIs. Here are two banks that are hoping to grow by responding and catering to the specific business needs in their own communities.
Sep 28, 2022
Following two years of remote and hybrid work, executive retreats are more important than ever as a way of creating unity among leadership and identifying collective goals. But creating an effective executive retreat necessitates more than just gathering people together for a few days and requires looking at such gatherings in a whole new way.
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.