White Papers

Deposit strategy is no longer a game of chasing balances — it's about building resilience. CFIs best positioned for long-term success are those that look beyond rates and volume to assess how, where, and why deposits contribute to profitability. This insights paper provides a comprehensive perspective on how CFIs can navigate the structural shifts reshaping deposit strategy.

The Federal Reserve Banks are set to adopt the ISO 20022 message format for the Fedwire Funds Service on July 14, 2025. This pivotal transition will mark a significant step towards standardized, efficient, and interoperable financial messaging.

Recognizing the increasing importance of global transactions, this paper provides six strategies and actionable takeaways to help nurture the international growth of your small business customers.

How community financial institutions can maximize their relationships and compete in the deposit rate environment using profitability analysis and relationship modeling.

A guide to help you manage credit risk using four strategies. Learn about the benefits and tips of credit stress testing your loan portfolio seamlessly.

With recent market downturns, interest rate fluctuations, and even liquidity issues, stress testing can allow you to identify potential risk in your portfolio and the impact on earnings, liquidity, and capital. Where do you start? Checkout this paper that offers 6 stress testing tips to see the possible risks in your portfolio and the impact on earnings, liquidity and capital.

As the FedNow Service grows in momentum, we sat down with PCBB's COO - a payments expert and FedNow Service task force member - to understand how the service was developed, and what institutions should be doing now as they consider implementing.

When borrowers seek the stability of a fixed-rate loan and your institution prefers a floating rate loan it creates a disconnect between the needs of your borrower and your CFI. So, what can you do to fix it? Develop a loan hedging strategy. We offer insights on how to select the right hedging program and develop your hedging strategy, and look at how hedging can help reduce volatility.

Your customers aren’t going to wait for faster payments. The ability to clear and settle payments in real time provides money management flexibility and full access to immediate funds. Understanding the payment options available to you and how to get started implementing them can help pave the way to keep customers happy.

Effective customer profitability analysis — covering both current profitability and lifetime value — lets you target profitable customers, cross-sell effectively to existing ones, and migrate customers to more profitable products.

Cross-border payments are changing and business owners expect to transfer money quickly. Swift GPI allows community financial institutions to meet their customers’ needs and generate additional fee income for their institution.

CECL is different from the current loan loss reserve approach since it includes both probable and projected losses over the life of the loan. Learn how this impacts bankers with a diversified loan portfolio.

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.