Results include
Webpages
May 21, 2023
Our most frequently asked questions around the accounting standard for Current Expected Credit Loss.
May 15, 2023
Let PCBB help your institution by stress testing your loan portfolios and evaluating the resulting impact on both earnings and capital.
Whitepapers
Jan 1, 2018
The CECL approach estimates both probable and projected portfolio losses over the portfolio life. Complexities arise when you have to anticipate repayment and the rate of prepayment. This can be difficult depending on the type of loan. Explore strategies for balancing the rollover risk and reserves.
Press Releases
Feb 4, 2021
PCBB is selected as a pilot bank in the development of the Federal Reserve’s instant payment service.
Economic Indicators
May 16, 2023
Bottom Line: The Federal Reserve's industrial production report for April showed a better rebound in activity than many of the manufacturing surveys suggested. Auto production led the gains, jumping over 9% on the month, while food- and beverage-related production led...
Nov 2, 2023
Sheila Noll, PCBB’s Chief Operating Officer who served on the Federal Reserve’s Faster Payment Task Force, shares what it took to get FedNow® Instant Payments up and running and her advice for CFIs.
Apr 8, 2024
The commercial real estate sector experienced significant headwinds during 2023. Fortunately, early signs suggest a more stable, and in some cases positive, market in 2024. We review the outlook for the industry and suggest ways in which CFIs can manage risk and continue to support their CRE customers.
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.
Nov 30, 2023
What exactly does Gen Z want from CFIs? We delve into some specific products and services that the generation now reaching adulthood wants most, and the future is digital.
Nov 27, 2023
At a time of economic uncertainty, businesses can use more help managing their money. CFIs are responding with new and expanding treasury management services. We provide examples of CFIs that have launched these services.
Aug 2, 2023
Certain segments of commercial real estate are showing signs of stress, with certain office markets reporting vacancy rates at record highs. CFIs should pay close attention to trends and forecasts while preparing for action in case loan defaults rise. We discuss six strategies to help identify and address CRE loans at risk of default.
Jul 6, 2023
Should your CFI consider acquiring a struggling fintech? As many promising fintechs run up against financial woes and find their stocks underperforming, a number of institutions are looking at the M&A opportunities this situation presents. Here’s what you should know about the risks and benefits of acquiring fintechs and how to determine the prospects of individual fintechs.
Jun 8, 2023
Establishing a system of checks and balances is a helpful way to reduce errors and detect and prevent fraud within your company. For many organizations, creating a segregation of duties that relies on multiple employees to conduct internal audits and ensure processes are being followed properly is critical for risk management.
May 16, 2023
Deposit drains, rising interest rates, and tougher times for business loans put pressure on CFIs’ bottom lines. Profits promise to be tougher to generate in 2023. We review the current state of deposit growth.
Apr 26, 2023
Public perception has been hard for many CFIs to endure in the wake of recent bank failures. But financial institutions with the words “Signature” or “Republic” have had a particularly tough row to hoe. If the next bank failures have the words “National” or “First” in their names, yet more CFIs may find themselves tainted by association, even if they’ve done nothing wrong. We discuss how to distinguish yourself in the public’s perception.
Apr 3, 2023
Many CFIs approach stress testing from one perspective. Stress testing from multiple standpoints, however, can help organizations assess new drivers and changes in the macroeconomic environment. But more frequent stress tests can also bring challenges. We discuss how to manage the challenges and reap the benefits.
Mar 13, 2023
As economists warn that recession is inevitable, CFIs should actively take steps to best prepare themselves and their customers to weather a significant economic downturn.
Jan 30, 2023
Economic forecasts for 2023 include a soft landing, stagflation, and recession. No matter which proves to be accurate, CFIs should prepare for the worst by assessing and taking steps to effectively manage risk.
Dec 28, 2022
As we BID goodbye to 2022, we've rounded up a few of our most popular articles from the year to revisit.