Industry Experts

SPONSORED | In this new Q&A, Chief FedNow® Executive Nick Stanescu shares what’s driving instant payment growth and how new advancements give banks fresh ways to strengthen the value they deliver to customers. 

SPONSORED | With the Fed raising rates and Treasury yields climbing, funding costs are resetting higher. PTMA Funding connects community banks with public deposits that diversify liquidity, anchored by statute and fiscal calendars rather than short-term market swings.

SPONSORED | Fraud losses are only part of the cost. For community banks, excessive reviews and false positives consume valuable staff time. AI can help prioritize risk and focus human expertise where it matters most.

SPONSORED | Just as a great player brings both durability and flexibility to a lineup, reciprocal deposits offer a scalable, dependable source of funding that can adapt as your balance sheet needs change.

SPONSORED | Exception reports do more than support compliance. They can uncover workflow bottlenecks, staffing challenges, technology gaps, and hidden operational risks. Learn how community banks are using exception data as operational intelligence to improve efficiency, strengthen oversight, and enhance commercial lending performance.

SPONSORED | Your core should support your strategy, not restrict it. See how the right combination of flexibility, institutional input and practical support can help your bank modernize on its terms.

SPONSORED | For five years, CECL exams ran on a simple premise: show us what you did, and we'll tell you if you got it wrong. The OCC's July 2026 update to the "Allowances for Credit Losses" booklet ends that era. In a recent Empyrean webinar, Zach Englert walked through what changed and what institutions should check before their next exam.

SPONSORED | A core evaluation doesn't have to be daunting. Discover how community banks navigate complex integrations, align technology with strategic goals and experience considerable savings with a trusted, partner-led advisory approach.

SPONSORED | The strongest banking relationships are built on more than convenience. New research from La Macchia Group reveals what 1,100 consumers value most and how their expectations can help banks make smarter decisions about technology, branches, customer experience and growth.

SPONSORED | The recently enacted 21st Century ROAD to Housing Act marks a significant shift in how U.S. banks can use reciprocal deposits—an established but increasingly important tool for deposit growth and local lending.

SPONSORED | Modern branch design is only half the story. Community banks that break free from fragmented systems and embrace a more unified, flexible technology foundation unlock faster service, stronger visibility, and the agility to evolve—without sacrificing the personal connections customers value most.

SPONSORED | Federal policy actions may create new opportunities for community banks to expand their role in mortgage lending through tailored regulation, stronger liquidity access, and partnerships that support housing affordability.

SPONSORED | Something is quietly eating your tech budget, and you may not know it. The IBT Apps Playbook gives bank leaders a starting place to assess their tech stack, uncover hidden costs, and redirect dollars to investments that benefit the bank.