August 14, 2023

NICB Endorsed Partners Bankers Compliance Consulting — Dave Dickenson Barret Graduate School of Banking — Memphis, Tennessee Community Bankers Webinar Network — Financial Ed Cross Financial — Marketing/working with customers Dell Computers ICBA Securities — Jim Reber ICBA Bancard NICB-CBAK Liquidity Program QwickRate SHAZAM — presented last year at Area Meetings Spectrum Financial — Fee […]

In the current interest rate environment, hedging is proving to be a particularly useful tool to secure the interests of both banks and borrowers: the forward rate lock (FRL) hedge. PCBB’s SVP of Hedging Solutions, Femi Audifferen, explains why now might be a good time for community banks to get started with this lending solution

When it comes to artificial intelligence (AI), as the great Wizard of Oz once said, “Pay no attention to the man behind the curtain.” There’s been a lot of hype about AI and its offshoots like ChatGPT, and while it’s an exciting technology, it’s not new. The first patents on AI algorithms came out more

As digital payments and online transactions increase, the risk of bad actors fraudulently using these channels is growing as well. The United Nations estimates that 3% to 5% of the global GDP — around $5 trillion — is laundered each year across the world. Fraudsters steal billions of dollars annually from organizations and individuals in

Banking Management Reports for Today Financial institution executives are reporting increased or significant concerns about interest rates, credit risk, and liquidity — worries that only add to the number of figurative plates they are spinning. How can banks quickly spot warning signs so they can act during volatile economic, industry and institutional conditions? Data-driven decisions

The Consumer Financial Protection Bureau (CFPB) has issued its final rule to implement the rule required by Congress that is intended to increase transparency in small business lending, promote economic development and combat unlawful discrimination. This is probably the last provision of the Dodd-Frank Act of 2010 to be implemented. The CFPB stated that it

As yields continue to set cyclical highs during 2023, many community bankers have asked me questions about what their next best purchase should be. Some of them have been surprised to hear an answer that I’ve been giving for the better part of this decade, even though absolute yields and the shape of the curve

We celebrated Independence Day, and I couldn’t help but reflect on the vital role community banks serve throughout this country. We represent Main Street America, creating a firm financial foundation for our nation’s consumers, small businesses, municipalities, local governments and more. It’s a position community banks take seriously, and one we are honored to hold

As the summer sun begins to set, a new chapter unfolds in the lives of thousands of students and their families across our great state. The start of a new school year marks not only a time of fresh beginnings and academic pursuits but also a crucial moment for community building. I take pride in