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Mar 1, 2025
With PCBB's lending solutions, take on the competitive market confidently. Leverage our expert insights and tools to diversify your loan portfolio, attract and retain customers, and ensure regulatory compliance.
Jun 26, 2025
CFIs plan to invest in automated lending, especially for SMBs. We discuss barriers to adoption for SMBs, the benefits to forging ahead, and the outlook for fully automated SMB lending.
May 28, 2025
Digital lending platforms can help CFIs save money, make better lending decisions, and build a better loan portfolio. We discuss the benefits of adoption in a growing loan market.
Mar 6, 2025
With private lenders expanding their role, CFIs have an opportunity to stand out by leveraging relationship-based lending, faster decision-making, and targeted expertise. We discuss four strategies to help.
Mar 5, 2025
Private lenders are filling the CRE financing gap thanks to looser underwriting, more reliability in rates, and growing investor confidence. We discuss nonbank lenders’ strengths and areas where they miss the mark.
Jan 15, 2025
The FDIC’s 2024 Small Business Lending Survey reaffirms the importance of relationship-driven lending for CFIs.
Nov 21, 2024
The agricultural community is feeling the pinch of lower commodity costs and many farmers lack adequate capital to continue operating without borrowing. We discuss the trend and the impact on CFIs.
Sep 11, 2024
Driven by digitalization, the lending landscape is undergoing a profound transformation. We summarize the Digital Banking Report 2024 on the state of digital lending and explore strategies to bolster it.
Jun 10, 2024
As we approach the second half of 2024, the agricultural industry remains under pressure from mixed economic and demand headwinds. Despite these challenges, farmers are expressing more interest in agricultural loans to grow their available funds. CFIs should prepare to meet this increasing demand.
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 7, 2024
CFIs continue to dominate agricultural lending, but lending on the whole is down and unlikely to rebound in the immediate future. We discuss why CFIs should continue actively engaging with agricultural borrowers and what they should know about the trends facing this sector.
Feb 27, 2024
It’s not clear if or when the CRE market will return to pre-pandemic levels, but experts say there are steps that banks with significant exposure to the space can take to help mitigate losses. We suggest five ways to navigate the slump.
Feb 12, 2024
Due to an aging population, demand for senior housing is expected to grow. As occupancy rates rise and margins improve following a pandemic slump, investment in the sector should rebound. We consider the lending environment, the size of the opportunity, and what it takes for a CFI to succeed in this market.
Feb 5, 2024
Niche lending can be extremely lucrative — if executed correctly. We highlight some niche industries that are bringing success to other CFIs and provide guidance on how to identify unique, profitable niches in your area.
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.
Sep 18, 2023
Private equity firms are actively targeting the lending market for small and midsize businesses, and they have deep pockets to use in their pursuit. In order to remain competitive, CFIs must focus on and highlight their expertise in this area.
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 3, 2023
The CFPB has finalized a data collection rule for lenders that extend credit to small businesses. The regulations aim to find patterns in small business lending that enhance CRA initiatives and make lending practices more equitable. However, trade groups like the ICBA and the CUNA have concerns that the additional burdens of compliance could impede CFIs’ ability to make as many loans as they do. We explain what CFIs should be aware of as this issue unfolds.
May 29, 2025
AI-assisted platforms known as PropTech are changing the way real estate is marketed and sold and has multiple features that could prove beneficial for financial institutions as well.