Items include

Dec 10, 2020
Tailored to North Carolina, this value packed webinar, hosted by NCBA and presented by PCBB, will include topics to consider as you defend changes in your qualitative factors, design credit stress testing scenarios or prepare 2021 financial plans.
Jul 29, 2020
With so much uncertainty in the economy today due to the pandemic, your management, board, and regulators are likely asking the same two questions: What loans are at risk? Do you have enough capital? Join us as we explore how to answer these questions by examining how best to approach loan portfolio stress testing during COVID-19.
May 14, 2020
In this webinar, we will discuss how to use GDP, unemployment, and economic data to gain perspective and manage exposures, how to quantify the value of COVID-19's impact and more.
BID Newsletters
Dec 27, 2021
While the BID takes a rest for the holidays, we revisit some of the year's most popular articles.
Dec 8, 2021
Despite consumer confidence remaining subdued, consumer spending is up 8.1% in 2021 and is forecasted to grow by 3% in 2022. Recently, there has been a shift in consumer spending from durable goods to services, which could lead to strong growth among these business customer segments for community financial institutions. We provide three strategies to strengthen relationships with those customers through the recovery.
Nov 24, 2021
In this second part of our review of 2021, we look at how lending was shaped and specifically address the shifts in the commercial real estate sector. While lending remained low across the board throughout the year, a recovery appears to be in the cards. Meanwhile, commercial real estate seems to have undergone a likely permanent transformation.
Oct 15, 2021
With companies across all industries facing record levels of job vacancies — 10.9MM in July — competition for talent is increasingly intense. To compete effectively, community financial institutions need to be reviewing wages and benefits packages, remembering work-life balance, maximizing the use of technology, and considering nontraditional financial services candidates.
Oct 14, 2021
89% of full-time employees have reportedly experienced burnout since the start of the pandemic. Community financial institutions have a pressing responsibility to uncover the root causes behind their employees’ stress and anxiety and help reduce burnout. We discuss the continuing effects of the pandemic on labor and provide solutions for employee retention.
Sep 1, 2021
Banking as a Service (BaaS) activity has been steadily climbing, but the pandemic put it into high gear. In 2020 alone, BaaS transactions hit $22.5B and rapid growth is expected to continue. We share the BaaS basics, the banking industry’s response to it, and how a community financial institution is staying competitive with it.
Aug 27, 2021
Since COVID-19, fraud has increased threefold, which is causing bankers to work harder than ever to fight fraud. Technologies have helped. Yet, with such large transaction volumes to process, it can be challenging, leading to a zone of uncertainty. We explain what this is and how to reduce this uncertainty with three key steps.
Aug 30, 2021
The pandemic has led many people to re-evaluate what they want from life and their careers. With over a quarter of Americans contemplating leaving their current jobs post-pandemic, we provide three ways that community financial institutions could boost employee satisfaction and attract valuable talent.
Aug 23, 2021
The hospitality industry was hit hard by the effects of the coronavirus. Yet, community financial institutions that lend to hotels and other hospitality-industry businesses are seeing a drop in loan delinquencies. With the recent Delta variant and increasing rates of infection, will loan delinquencies change course and do a U-turn?
May 11, 2021
Board leadership for financial institutions is vital. Now that the pandemic seems to be winding down, it may be a good time to address board education. Some areas to consider covering include: assessing the right post-pandemic strategy, tightening communication with management, talking about company culture, addressing new board member skills, and remembering compliance training.
May 6, 2021
The pandemic has changed many things for bankers, including their marketing. As businesses reopen and consumers start spending, we enter into the “new normal” which is a time to reassess marketing plans, as customer needs change. We provide you with four ways to effectively reach your customers for the biggest bang for your marketing buck.
May 4, 2021
While small talk around the water cooler has been around for decades, the pandemic has reduced the opportunity for that exchange. Yet, it is still important to encourage small talk as it promotes connection, performance, and innovation while it fights Zoom fatigue. We give you three ways to build small talk into the work week so that you can keep your teams connected and strong through the transition to normalcy.
Apr 28, 2021
Bankers are waiting with bated breath to see how commercial real estate portfolios will land now that some economic recovery seems to be underway. We detail some of the continuing challenges to CRE — retail, remote work, and inflation — along with our thoughts on the effects of these challenges to help with your plans for the future.
Mar 15, 2021
Women between the ages of 25 and 44 are roughly 3x more likely to leave the workforce due to the added demands of the pandemic. Community financial institutions could face a serious shortage of executive-level women unless they reach out and provide flexibility and support in meaningful ways.
Mar 10, 2021
Trying to figure out how today’s balance sheet will respond to future events is more difficult than ever before. But, as the pandemic unevenly ends, this becomes critical. Test for volatility to anticipate structural weaknesses by examining the business model, back-testing for validity, and challenging assumptions.
Mar 1, 2021
Synthetic identity fraud costs financial institutions over $6B per year. This is a continuing problem that has been exacerbated by the coronavirus and affects the most vulnerable populations, such as children and seniors. It is critical to know how to identify and fight synthetic identity fraud with a layered approach and collaboration with other institutions. We provide some insight.
Feb 26, 2021
The IRS recently provided guidance on certain tax breaks for forgiven PPP loans. With a large number of community financial institutions providing these loans, it is important to pass this information on to borrowers. We give you a short summary of the allowed deductions and how the reporting rules were modified for financial institutions providing these loans.
Feb 17, 2021
While productivity doesn’t seem greatly affected by the dramatic shifts necessary due to the pandemic, employees still face challenges in the current environment. Helping them through some of these challenges, including stress, time management, and social withdrawal, will help them stay engaged and committed and keep productivity levels high.
Feb 5, 2021
The pandemic has harmed many businesses and shuttered many for good. Yet, eager startups are finding opportunities as well. We cover the elements of the economic environment that are fueling these startups (and potential new customers) and highlight areas that have done especially well.
Feb 2, 2021
As the COVID-19 vaccine becomes more widely distributed, your institution needs to be prepared. It is important to update your HR policies with the current guidelines, discuss the importance of vaccination for herd immunity with your employees, and accommodate employees with special considerations.
Jan 25, 2021
By segmenting your PPP customers based on their needs for the funds, you can better determine customer profitability. We explore the different approaches for 3 customer segments, based on the intended use for PPP funds.
Jan 21, 2021
PPP funding is back! We give you the highlights, including additional eligible applicants, maximum loan amounts, and forgiveness updates.
Dec 24, 2020
While the BID takes a rest for the holidays, we revisit some of 2020's most popular articles.
Dec 28, 2020
While the BID takes a rest for the holidays, we revisit some of 2020's most popular articles.
Dec 29, 2020
While the BID takes a rest for the holidays, we revisit some of 2020's most popular articles.
Dec 30, 2020
While the BID takes a rest for the holidays, we revisit some of 2020's most popular articles.
Dec 31, 2020
While the BID takes a rest for the holidays, we revisit some of 2020's most popular articles.
Dec 21, 2020
We recently surveyed our customers on the impact of COVID on their institution. Here are some of the results, including top management issues, outlook on staffing, among others.
Dec 16, 2020
Commercial real estate (CRE) has been hit hard. Your CRE borrowers are exploring creative opportunities to sublease their properties. Here are three innovative options that have sprung up.
Dec 14, 2020
The PPP brought much-needed funds to many businesses. Yet, it has also brought fresh fraud opportunities. We highlight the three latest cybersecurity scams connected with PPP to protect you and your customers.
Dec 7, 2020
While QR codes have been around for two decades, they are making a comeback with contactless payments. Are they here to stay?
Dec 3, 2020
There may be challenges in renewing your director and officers (D&O) insurance during the pandemic. We have some considerations.
Dec 4, 2020
While holiday gatherings will likely need to be virtual, there are ways to make them more celebratory. We show you how.
Dec 1, 2020
For this month's Inquiry & Insight issue, we cover the questions from our readers on supplemental executive retirement plans, employee onboarding during the pandemic, and MSLP updates.
Nov 23, 2020
With the pandemic, CECL may not be top of mind. So, we have three considerations to keep you on track.
Nov 9, 2020
Bank of America recently announced it was adding small-dollar loans to its offerings. Should you?
Nov 6, 2020
Pandemic-specific loyalty rewards are popular. We share four of them to consider for your program.
Nov 3, 2020
The business model of the branch is changing. Could it look like that of your local dentist's office?
Nov 4, 2020
It has been reported that 70% of Americans are stressed about the economy and work. We provide three ways to help your customers through their financial anxiety.
Oct 30, 2020
A new report provides findings on the latest payment trends. We offer you some insights on contactless payments, emerging technologies, and person-to-person payments to help with your planning.
Oct 28, 2020
Community bankers can expect flexibility from regulators if they are supporting their customers in good faith. We give you an update on what this means for your institution.
Oct 26, 2020
Even though the pandemic has sidelined many businesses, 20% of entrepreneurs are launching new business opportunities. Community financial institutions can form new relationships as they help these die-hard business owners.
Oct 27, 2020
CRE lenders have a lot to manage these days. We provide you with five key indicators to help.
Oct 16, 2020
A number of community financial institutions are participating in the Main Street Lending Program. We show you three strategies to gain market share through it.
Oct 2, 2020
During the pandemic, you can stand out even more with creative ways to thank your customers and support your community.
Aug 17, 2020
Combining liquidity and credit stress testing provides a more complete picture around your institution's resiliency.
Sep 3, 2020
Millennials have been especially hard hit during the pandemic. We explain how to help these customers.
Aug 25, 2020
Ransomware has been a growing threat. But, the greater reliance on digital access from the pandemic has resulted in an alarming spike in attacks.
Aug 28, 2020
Lenders have been busy with PPP loans. Asking the right questions and digging deeper is important going forward.
Aug 14, 2020
Though you are likely cooking up all sorts of activities to de-stress your employees and customers, we wanted to offer some creative ways to help.
Aug 13, 2020
With PPP loans on your books, is it best to keep them, sell them, or hire a vendor to help? We run through these options.
Aug 12, 2020
As purchases become largely cashless due to COVID-19, the unbanked suffers. Ways you can help.
Aug 18, 2020
With the ongoing pandemic, community financial institutions may find branch security more challenging. We give you three tips to conquer branch security issues.
Aug 11, 2020
Customer review sites are now being used to inform on businesses' safety efforts. This could be another channel for your institution to assure customers about safety measures during COVID-19.
Aug 6, 2020
We provide the findings and our insights from a new report on the economic recovery for commercial banks, to help with your strategic planning.
Aug 10, 2020
The Main Street Lending Program is one government program that hasn't received much attention. We share some of the experiences from your peers who have begun to offer loans through this federal program.
Aug 7, 2020
The coronavirus has been on top of mind lately, yet the transition of LIBOR has not been delayed. We provide steps to keep moving forward with your plans.
Aug 4, 2020
Coins are in short supply due to the pandemic. Here are a few strategies for community financial institutions and their businesses to manage through this shortage.
Jul 31, 2020
Gig work is growing, both in the number of jobs and revenue. We explore how you can potentially acquire this customer segment.
Jul 30, 2020
Women have been hit hard financially during the pandemic. We give you four strategic elements to include in your efforts to attract and retain women customers.
Jul 28, 2020
The economic downturn has been tough for financial institutions, but mergers are occurring during the pandemic. We explore a few recent mergers that provided new opportunities for both parties.
Jul 23, 2020
Absent the traditional summer happy hours and social outings that employees typically enjoy together, you will want to think creatively to keep your employees connected. We provide you with five ways to do that.
Jul 22, 2020
Unemployment benefit fraud is making the rounds. We provide you with a few key reminders to avoid being caught in a fraud snare.
Jul 21, 2020
FinCEN issued an advisory on pandemic fraud scams and schemes. We give you some of the highlights.
Jul 20, 2020
Fallout from the coronavirus has many financial institutions gearing up for divestments, according to a recent survey. Is divestment an option for your institution?
Jul 16, 2020
While the Fed concluded that the big banks were currently stable, financial institutions of all sizes should be stress testing to anticipate the impact of COVID-19 on capital.
Jul 15, 2020
Physical distancing has accelerated three technologies used by financial institutions to stay connected with their customers.
Jul 14, 2020
Twenty percent of small businesses said they were likely to switch financial institutions after going through the PPP process. This could be good for community financial institutions.
Jul 10, 2020
With the continued demand for digital, community financial institutions that work with financial technology firms could have an advantage over those that don't.
Jul 13, 2020
Fraud during crises is not new. So, we provide you with some important information on PPP fraud protection.
Jul 9, 2020
As businesses reopen and change gears, it may be time for community financial institutions to refine some of their lending processes. We give you three ways to do that.
Jul 8, 2020
As coronavirus cases rise, there is renewed concern of a second wave. With this in mind, we give you some actions to consider to fine-tune your operations during this time.
Jul 7, 2020
As businesses are reopening, some are contemplating contact tracing. So, today we map it out and provide you with some of the risks.
Jul 6, 2020
As bankers get back to work in the branch, there are questions to answer. Today, we discuss how to make both customers and employees comfortable in the branch and how to hire virtually.
Jul 2, 2020
Financial institutions have had to adapt their business practices during the pandemic. See how your institution compares to your peers in the latest survey by Bank Director.
Jul 1, 2020
While most financial institutions are doing all they can to manage new risks with COVID-19, here are a few that you may have overlooked.
Jun 30, 2020
Many financial institutions are evaluating their loan portfolios for COVID-19 effects on capital. We explain how to use economic data effectively when doing this.
Jun 29, 2020
Have you thought of using interest rate swaps to help shore up your margins? We explain how.
Jun 26, 2020
Communicating effectively as a leader reassures your employees, which is even more important during the transition from crisis to recovery. We have three important facets to keep in mind.
Jun 19, 2020
As states start reopening widely, financial institutions are beginning to resume full operations and reopen some branches. We have a short checklist to get you ready.
Jun 24, 2020
Some of your customers will need PPP loan forgiveness. We provide you with six pointers to help them through the process.
Jun 16, 2020
Due to COVID-19, more seniors have been using digital banking. We provide ways to keep them engaged as digital users.
Jun 15, 2020
The pandemic seems to have affected the adoption of SOFR. Will this delay the transition from LIBOR to SOFR?
Jun 10, 2020
COVID-19 and the rush to work remotely revealed to many institutions their technological weaknesses and skills gap. How you can bridge the gap.
Jun 9, 2020
Not every community financial institution counts wealth management services among its offerings. Yet, if you do, now may be the right time to review this service for greater fee income.
Jun 8, 2020
Financial institutions that participated in the PPP should celebrate their successes. Yet, there are also some post-lending tasks to stay on top of.
Jun 5, 2020
Negative rates have been discussed lately, as recovery scenarios are laid out. Will negative interest rates happen in the US?
Jun 4, 2020
With virtual college life expected in the fall, community financial institutions will want to rethink their approach to recruiting college graduates. Virtual career fairs are one important way to go.
Jun 3, 2020
CRE loans are being impacted by COVID-19 depending on the type. Let's discuss the latest stats and how it may impact your business.
Jun 1, 2020
With the need to move work off-site, community financial institutions have likely turned to cloud service providers to help. We highlight some of the risks and the need for cloud strategy.
May 29, 2020
Reopening businesses require new protocols -- and it looks like technology will play a major role in these efforts.
May 26, 2020
With COVID-19 and its lockdown effects, acceptance of mobile apps for credit cards has certainly increased. We provide you with some insights to prepare for this trend.
May 22, 2020
Returning back to the office after the pandemic might not be far off. We share several tips to consider in reopening your branches.
May 21, 2020
While there are definitely routine things to look for as you stress test, there will be some new areas to address as well. Get started with our six stress testing tips for COVID-19.
May 20, 2020
With the current environment, you will need to view credit risk in a much different way than ever before. We give you three important steps to take.
May 19, 2020
In continued support of businesses, the Fed announced its Main Street Lending Program. We give you the important highlights.
May 18, 2020
Meetings are even more vital with a greater number of remote workers, but they can also be more challenging. We provide you with a guide to remote meeting management.
May 15, 2020
There seem to be physical, economic, and social differences in the way the coronavirus is affecting men and women. We lay some of them out for you.
May 14, 2020
The world of commercial real estate (CRE) lending has changed virtually overnight given COVID-19. Three steps to keep you on track to best support your customers.
May 13, 2020
A recent report shares the newest cyber risks related to COVID-19. We give you the abbreviated version so you are prepared.
May 12, 2020
Many community financial institutions are looking for ways to help their customers with loan modifications. Interest rate swaps are one way to go.
May 11, 2020
Small businesses account for about 50% of US GDP. Today, we review the state of small business during this crisis.
May 8, 2020
Consumer behavior has changed due to the coronavirus. We give you the highlights.
May 7, 2020
Now may be the time to think of ways to use your newly-embraced remote work practices as a competitive advantage in recruiting and employee retention.
May 6, 2020
Many lenders have completed loan modifications for their borrowers due to the coronavirus. Determining the loan risk rating and next steps after 90 days.
May 5, 2020
After nearly two months of working from home and social distancing, people are starting to feel some of the longer-term health effects. Ways to keep your employees healthy.
May 4, 2020
We answer more important questions today on the coronavirus, including remote customer support, anti-fraud preparation, and PPP assistance.
May 1, 2020
Some businesses and companies have already started reopening, but things will be different. Office design and practices will change due to COVID-19.
Apr 29, 2020
In this 2-part series, we discuss customer and financial institution shifts due to COVID-19 and which ones will last. Today, we look at the customer.
Apr 30, 2020
In the 2nd article of our 2-part series, we continue discussing long-lasting customer and financial institution shifts due to the coronavirus. Today, our focus is the financial institution.
Apr 28, 2020
As the coronavirus crisis continues, it is crucial to keep employee morale up. We give you three ideas to boost their spirits.
Apr 7, 2020
We explain how to incorporate the impact of COVID-19 on your borrowers into your quarterly financial statements.
Apr 22, 2020
What is the economic outlook for the next three to nine months? Join us as we summarize key elements of job loss and economic recovery and provide tips to translate these conditions into your financial reports.
Apr 24, 2020
Social media may not be top of mind right now, but, it is a useful communication channel for many of your business customers. We have three effective ways to use social media during COVID-19.
Apr 23, 2020
Keeping investments together these days isn't easy for your CRE borrowers. Top three things to do to protect your CRE loan portfolio.
Apr 21, 2020
While most community financial institutions had a formal data security plan before the COVID-19 outbreak, cyber risks have increased as staff was moved to working remotely. Tips to secure your data security plan during the coronavirus situation.
Apr 17, 2020
During this pandemic, communication has focused on being immediate, urgent and short. As things start leveling off a bit, your communications will change too.
Apr 16, 2020
While you may not be thinking of customer profitability during this crisis, customer relationships are always important. Here are three steps to consider, especially as you interact with customers through the PPP.
Apr 15, 2020
The development of technology within the banking industry has long been on the rise, but the COVID-19 crisis is stepping it up in new ways that could have a long-term, global impact.
Apr 14, 2020
If you missed the Fed's PPPLF webinar on Friday or just want a summary, we have a recap for you.
Apr 9, 2020
The CARES Act enables financial institutions to provide important assistance to small businesses. We give you the key takeaways.
Apr 10, 2020
During this pandemic crisis, financial institutions should evaluate liquidity and capital management models and policies. Also, make sure to stress your liquidity projections to evaluate adverse and severe scenarios.
Apr 8, 2020
Today we answer some important questions around the coronavirus, your customers and your employees.
Apr 6, 2020
Your staff's health and wellness is surely one of your top priorities. We offer you some considerations, as you lead your employees through the coronavirus.
Apr 3, 2020
We like to look at what the big banks are doing to learn what could be done on a smaller scale. So, today, we share how the big banks are managing COVID-19.
Apr 2, 2020
Today we continue with the feedback we received from bankers on the most important regulatory concerns due to the coronavirus.
Mar 30, 2020
With COVID-19, many more employees are working from home. We provide you with tips for managing an expanded remote team and ways to smooth the disruptions.
Mar 23, 2020
During this tumultuous time, we wanted to provide you with some initial insights into how the coronavirus may affect housing, jobs and ultimately your business customers.
Mar 25, 2020
The FOMC made drastic decisions in response to COVID-19 to support the economy. We capture the key points.
Mar 24, 2020
The FDIC FAQs for you and your customers are important to review. We give you the highlights.
Mar 26, 2020
The FDIC has provided guidance on capital and liquidity buffers for financial institutions to help their customers during the coronavirus crisis. We give you a quick summary.
Mar 27, 2020
The coronavirus has affected many of us in different ways. Now is the time to show our leadership.
Mar 31, 2020
A joint statement of the regulatory agencies provides extra considerations for CRA points due to the coronavirus. We give you a summary.
Apr 1, 2020
We recently asked community bankers for their top three regulatory concerns with COVID-19. Today is the first of a two-part series highlighting these paramount issues.