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What Does the New Reciprocal Deposit Legislation Mean for U.S. Banks?
What the law changes The new law amends the Federal Deposit Insurance Act to expand the amount of a bank’s reciprocal deposits that can be classified as “nonbrokered,” a designation that generally...
How to Succeed in Specialty Lending
Learn proven niche lending strategies for community banks, from SBA lending and equipment finance to ESOP programs. Discover how specialty lending drives growth and loan portfolio diversification.
What Your Exception Reports Are Really Telling You About Commercial Lending Performance
Alogent_Sponsored What Your Exception Reports Are Really Telling You About Commercial Lending Performance SPONSORED | Exception reports do more than support compliance. They can uncover workflow...
Why Face-to-Face Lending Still Matters
Many people want face-to-face interaction when they’re on the cusp of a major financial decision.
What's the Secret to Becoming an Exceptional Lender?
Whether it’s loans for individuals or businesses, community banks’ lending activities keep America running.
Embracing Lending Transformation to Control Your Destiny
Today’s banks can gain a competitive advantage by providing a digital experience throughout the entire loan lifecycle – from onboarding to boarding to core and loan management.
Community Banks Propel Multi-Family Home Growth
During a housing shortage, community banks are using their agility, relationships and market insight to support apartment developments when larger lenders fall short.
How the MPF® Program Keeps Community Banks Competitive
Through the Mortgage Partnership Finance® (MPF®) Program, community banks gain access to the secondary mortgage market while benefiting from key competitive advantages.
What's Attracting Small Businesses to Small-Dollar SBA Loans?
Lenders are seeing an increase in small-dollar loans as demand from small business customers surges due to new SBA 7(a) program reforms and higher interest rates.
Future Commercial Lending Success Through Consumer Loans
Read Teslar’s white paper to explore why community banks need to engage consumer borrowers to grow and sustain their commercial lending pipeline—and how to do it successfully.
How Community Banks Open Doors for Local Restaurants
Restaurants, just like community banks, are a part of every local economy. And community banks know the best way to support this higher-risk industry.
Renovation Lending: The Solution to a Tough Mortgage Market?
With many prospective and first-time homebuyers buying fixer-uppers, community banks can tap into a new market to supplement their mortgage and construction portfolios.
Streamline Your Bank’s Appraisal and Vendor Management with ValuTrac
Tired of juggling spreadsheets, emails, and phone calls to manage appraisals and vendors? ValuTrac offers a unified workspace that transforms how banks manage their appraisal and valuation processes.
Loan Pricing strategies: Don’t let your bank become a Castaway.
With rapidly changing market conditions, your bank could easily find itself isolated like Tom Hanks in Castaway, on a desert island alone.
Amplifying Nashville's Booming Businesses
ICBA members are coming to Nashville, Tenn., from across the nation for ICBA LIVE, but there are plenty of community banks already in Music City.
Mitigating Risk in Construction Draw Loans
Construction projects hold great potential but also come with risks. Addressing these challenges head-on will help mitigate each loans risk.
2025 Lending Outlook: Cautious Optimism
Falling interest rates are expected to fuel borrowing activity at community banks. We examine the prospects for commercial, consumer/mortgage and ag lending in the new year.
Equip Your Leasing Finance Operations
Discover how lenders can navigate the evolving landscape of equipment lease financing with insights on risk mitigation and operational readiness.
Here Comes the Snow: Lending Support for Winter Businesses
Rain or shine, community banks are there to serve their communities. But how about snow? For some, the cold weather is more than welcome.
The CFPB is Planning Sweeping Changes to Small Business Lending
Finastra’s SBDC module is a cloud-native solution that seamlessly integrates with Finastra’s retail lending products.
Alternative Credit Scoring Models: Beyond FICO
Community banks can expand access to capital by looking at other factors for loan approval. Here’s what to consider.
Technology Is Revamping Equipment Financing
From 3D printers to robotic feeders, equipment has shifted toward tech-savvy solutions that require community banks’ equipment financing expertise.
Specialize and Thrive: Community Banks Find Success Lending to Niche Markets
When it comes to organic growth, niche lending is one way to reach lucrative new markets.
Community Banks Support Ag Lending, Rain or Shine
Farming is never without its ups and downs, but whatever the weather, ag-focused community banks are there for farmers.
Keeping in Line With Equal Lending Practices
Regulators continue to crack down on unfair lending practices and redlining.
How To Drive Auto Loan Opportunities
By working with local car dealers and using new lending technology, community banks can boost their presence in the auto lending sector.
Who are ICBA's Top Lenders of 2024?
Whether it’s navigating tumultuous markets or providing employees with remote work options, flexibility is a key component in the success of this year’s ICBA top lenders.
Chippewa Valley Bank: Fueling Growth With Innovative Bank Stock Lending
Chippewa Valley Bank has pioneered an innovative bank stock lending program, providing community banks with an expedited and cost-efficient avenue to acquire capital and interest-earning assets.
Opportunities in Infrastructure Lending for Community Banks
With $1 trillion in federal infrastructure funding rolling out across the U.S., community banks have a rare opportunity to enter or deepen their involvement in this dynamic sector.
Extend Customer Relationships With Better Business Payments
Consistently fulfilling commercial customers’ payments needs can make community banks indispensable to small businesses.
b1Bank Paves the Way for New Businesses
Entrepreneurs find education and capital through b1Bank’s b1 Foundation, furthering its small business relationships and the community’s economic development.
Mission Valley Bank: Giving Where You Live
Serving its community in the Santa Clarita Valley is one of Mission Valley Bank’s founding principles. Its community work is best exemplified by its Give Where You Live program for nonprofits.
6 Ways to Deepen Small-Business Relationships
When it comes to small businesses, a personal touch is needed to develop the relationship between bank and business.
Paycheck Protection Program's Impact Four Years On
Community banks went above and beyond to help customers and noncustomers alike during the Paycheck Protection Program (PPP) four years ago, and they continue to reap the benefits of that service.
CRE Lending: Challenge or Opportunity?
CRE lending is down, but should community banks see it as an opportunity to win business that the megabanks won’t take?
Making Mortgages Happen Amid Higher Interest Rates
Higher interest rates are discouraging many consumers from taking out new mortgages or refinancing existing ones—but community banks are taking steps to fill their pipelines in innovative ways.
Sharing the Load With Participation Loans
When a bank wants to provide a loan above its lending limits, it’s time to turn to participation loans. But what are the benefits and risks involved for community banks?
SouthState Bank Unlocks the Doors to Homeownership
The annual income required of potential homebuyers recently experienced its largest increase on record.
Digitizing the Commercial Lending Process
With a new digital commercial loan solution, The Killbuck Savings Bank Co. has catapulted its commercial lending and loan origination system into the high-speed digital era.
The Lending Outlook for 2024
A pullback in lending from some institutions creates opportunities for community banks to pick up new customers.