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Dec 4, 2022
A simple solution that allocates your customers' large deposits across a proprietary bank network, ensuring FDIC insurance on all deposits.
Dec 4, 2022
We provide community banks with stellar correspondent banking services. Loan pricing, profit analysis, hedging, international, cash management, ALM & more.
Dec 3, 2022
Our Financial Insight & Technology (FIT) Solutions platform offers CFIs a measurement and analysis tool for loan pricing and customer profitability.
Dec 3, 2022
Our banking services in correspondent banking (cash management and international banking services), lending, and advisory services help streamline operations, mitigate risk, and increase income.
Dec 3, 2022
More than a bankers' bank. We provide cash management, lending, international, and risk management and profitability advisory services.
BID Newsletters
Feb 22, 2021
Savings rates soared to a high of 33.7% in April of last year. While we are still waiting for a full recovery and more normalized savings rates, you will want to proactively plan to retain deposits for when that time comes. To get you started, we lay out some ways to do this with savings-as-a-service and savings apps, whether in-house or through a partnership.
Jan 5, 2022
The hike in inflation to 6.8% in November and the arrival of the Omicron variant have applied pressure for the Federal Reserve to increase interest rates. What will this do to deposits? While rates are still low, it’s critical for community financial institutions to retain their customers and their position as primary bank. Here are some tips to help increase customer stickiness.
Oct 27, 2021
CFOs at community financial institutions have their hands full now more than ever — low loan demand, an overflow of deposits, margin pressure, potential credit quality issues, and more. To give you some food for thought on how other institutions are handling these challenges, we share a few stories from your CFO peers.
Jul 2, 2021
Deposits increased by $3T over the past 14 months, leaving most financial institutions with a major imbalance — and major concerns about their net interest margins and return on assets. We review the current deposit glut and what community financial institutions can do to minimize their balance sheet disparity.
Apr 15, 2021
The industry is awash in cash, but not all deposits are created equally. Now is a good time to review and finetune your core deposit strategy. Ways to do this include: capturing customer relationships, revisiting your offerings, and restructuring fees so that you can position your institution for the future.
Nov 29, 2022
Embedded banking could help CFIs expand into new markets, acquire new customers, and increase deposits. While there is huge potential for embedded banking, some CFIs are hesitant to give it a try due to perceived complexity and high cost. In the first of a two-part series, we discuss benefits and trends related to embedded banking.
Sep 14, 2022
Financial institutions enjoyed client deposit surges through the end of last year, but extreme rate hikes from the Fed may change that. As CFIs feel pressure to raise their rates on deposits to keep customers, it’s important to consider what other strategies CFIs can deploy to retain deposit levels and client relationships.
Aug 18, 2022
The next great boom in refinancing probably won’t be in mortgages. Instead, it will likely be in CDs and other deposits, which are vulnerable to customers who decide to pay penalties and reinvest at higher interest rates. A rising-rate environment is also a potentially fruitful hunting ground for fintechs, neobanks, and other startups to lure deposits away from traditional financial providers. CFIs should consider these three strategies to help hold their best customers and stress test their businesses for CD and deposit losses.
Jul 14, 2022
CFIs can grow loans, deposits and non-interest income through partnerships with neobanks. It's a potentially smart partnership, but one that CFIs should consider carefully before cementing. We give you some ideas to consider before deciding to partner with a neobank and how to increase the chances that this new relationship will thrive.
Jan 7, 2021
With tight competition for top-quality borrowers and high levels of deposits, lending has its challenges in 2021. Three ways to handle these challenges: book more working capital loans, manage CRE portfolio challenges, and monitor nonbank and fintech competition.
May 20, 2022
With increasing interest rates, community financial institutions stand to enlarge their net interest margin. Yet, lending competition is fierce in many areas, so it won’t always be easy. We give you three ways to generate income in the current rate environment.
Nov 7, 2022
BNPL has become increasingly popular and is expected to grow in the years to come. The market, currently dominated by fintechs, is ripe for regulation, opening the door for traditional financial institutions. CFIs may want to react quickly to this latest disruptor. We discuss the key considerations for CFIs entering this space.
Oct 31, 2022
The bid by Ford to gain approval from the FDIC for an industrial bank is the latest attempt by a major company to gain a state banking charter. Smaller banks are wary, while other large corporations like Amazon, Walmart, and Home Depot are no doubt watching closely.
Oct 27, 2022
Mobile banking use increased dramatically during the pandemic and its growth is projected to continue for years to come. CFIs need to respond to the evolving mobile needs and wants of customers and small businesses. We cover current trends in mobile banking that customers are looking for.
Oct 6, 2022
Financial institutions are increasingly using carbon calculators and other carbon footprint features to help customers better understand the environmental impact of their purchases and behave more sustainably. We provide an overview of these technologies and look at some of the benefits they offer CFIs.