Webpages
May 16, 2023
When you want to grow your loans, we can offer the ability to participate in fully funded loans to publicly traded companies.
Case Studies
May 1, 2018
Learn how FCB Bank uses PCBB’s relationship profitability solution, Profitability FIT, to more effectively price loans, offer additional services and encourage loyalty.
Webinars
Jul 13, 2017
Community banks with total assets over $100mm and in good regulatory standing.
Dec 4, 2023
Over the last few years, several large and regional banks have started offering small-dollar loans to their cash-strapped customers. Is a payday loan alternative something your CFI might consider?
Oct 16, 2023
Now is a good time for CFIs to compete for big loans. Doing so may require joining loan participations or syndications. We review the state of the corporate loan market and the differences between the two models.
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.
Aug 9, 2023
More and more CFIs are using alternative cash flow data to determine the creditworthiness of prospective small business borrowers. They are partnering with fintechs and other nonbank providers to access and analyze prospects’ electronic cash flow information. A nonprofit research organization analyzed these practices and we provide a summary of the results.
Dec 19, 2022
History shows that recessions lead to higher default rates among consumers. By predicting and managing delinquency before it occurs, a CFI can increase the lifetime value of existing customers by helping them avoid becoming delinquent.
Nov 22, 2022
Borrowing a page from the Paycheck Protection Program, some banks have begun offering microloans to early-stage businesses based on their gross income. We consider the pluses and minuses of this underwriting method.
Nov 9, 2022
CFIs say their top strategic goal is growing loans. They also say they plan to increase tech spending. Targeting more of that increased tech spending on products demanded by small businesses can help advance loan growth.
Aug 24, 2022
In the competitive small business lending market, a clear understanding of business owner needs can go a long way to drive an institution’s loan portfolio growth. Gaining that edge takes hard work and sophisticated data mining. Here are four steps to make your SME loan strategy more holistic, ultimately resulting in increased revenue.
Aug 19, 2022
With one-third of the country unable to secure traditional lending, some employers have begun adding loans for employees with adequate income but low credit scores to their benefit offerings. This allows employees to borrow funds and rebuild credit responsibly, while avoiding fees from siphoning off retirement savings.
Jun 21, 2022
The outlook for office loans is less than rosy. The US is set to have a glut of office space for a number of reasons, not the least of which is increased utilization of remote workers. For CFIs starting to experience stress in their office loan portfolio, we share several ways to mitigate potential problems.
May 25, 2022
Is construction ebbing or flowing? It depends. Commercial construction spending was down in March. Yet, architecture backlogs are full. Community financial institutions having construction loans in their portfolios will need to firm up risk mitigation, as they closely watch economic indicators. Here are three reminders to lower the risk with these loans in your portfolio.
Apr 18, 2024
Every April, we observe Community Banking Month, publicizing the efforts that community banks make to serve their communities. This article celebrates community banks that are unwrapping new technology and fresh strategies, including developing an AI-based employee information resource, using machine learning to assist with loans and accounting tasks, and using banking product incentives to encourage customers to donate to their communities.
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 12, 2024
When it comes to pricing deposits and loans in a competitive market, CFIs must correctly strike a delicate balance between each customer’s needs and their own profitability. Relationship pricing, based on customer profitability, can play a critical role in determining the best loan structure and deposit rates to maximize a customer’s lifetime value to your CFI. We provide insights on what factors to consider as you price products based on customer relationships, as well as the impact of adopting relationship pricing on your institution.
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.