Resource Center

Reports focused on topics critical to the success of community financial institutions.

White Papers

Using advanced modeling and analysis, community financial institutions can make informed decisions to thrive in a competitive deposit rate environment while maintaining the trust and loyalty of their customers. Offering attractive deposit rates is essential to retain existing customers and attract new ones. In this Industry Insights paper, we explore strategies to effectively compete and emphasize the importance of data-driven decision-making.
As concerns about inflation ease and the possibility of an impending recession remains on the horizon, financial institutions are grappling with added pressures on their loan portfolios and are likely to see increased credit stress in certain lending segments. We offer four strategies to help you manage credit risk and provide tips for incorporating stress testing into your regular operations.
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.

Case Studies

Facing several challenges including losing deals to the competition that could offer longer-term rates, the bank needed a new lending strategy. Learn how they overcame and increased lending deals by 75%.
Traditions Bank selected PCBB and Profitability FIT as they faced many business challenges including not pricing business loans competitively.
Learn how PCBB helped a community bank provide international services with simplified and streamlined transactions all while maintaining a commitment to premium service and support.
How PCBB helped a rural community bank compete with the big banks and win by helping them offer their customers long term fixed rates while getting a floating-rate asset on the books.
Learn how FCB Bank uses PCBB’s relationship profitability solution, Profitability FIT, to more effectively price loans, offer additional services and encourage loyalty.
Additional Resources by Topic
Popular BID Articles
Jan 31, 2023
The annual Best Banks to Work For list from the American Banker showcases financial institutions that strive to treat their employees well. A reputation as a good workplace can help in both recruitment and retention efforts. We reveal what some of the banks on the list have in common.
Mar 20, 2023
Zelle is reworking its refund policy regarding fraud, a change that could potentially prove costly for CFIs. Before jumping ship from Zelle, however, organizations need to be aware of both the benefits and drawbacks of the service and how customers would react to losing the payment service.
Mar 23, 2023
Small businesses are increasingly doing business across international borders, and in need of international banking support. We discuss how CFIs can best serve their customers’ cross-border banking needs and stay ahead of the competition.