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Do’s, Don’ts, and Maybes: Rules to Streamline Portfolio Management
Do’s, Don’ts, and Maybes: Rules to Streamline Portfolio Management If my recent aggregate conversations with investment managers are an indication, there is still a lot of seat-of-the-pants...
Munis for the many: Taxable municipal bonds have appeal for nearly all community banks.
Munis for the many: Taxable municipal bonds have appeal for nearly all community banks. Chances are, your bank’s portfolio has been affected by declining portfolio conditions, erratic cash flows,...
Business Continuity and Disaster Recovery—Let’s Cut to the Chase
Business Continuity and Disaster Recovery—Let’s Cut to the Chase Business continuity and disaster recovery are essential to an operation’s contingency plan. Following these established fundamentals...
FDIC Continues to Encourage Consumers to #GetBanked
FDIC Continues to Encourage Consumers to #GetBanked As part of its ongoing efforts to expand financial inclusion, the Federal Deposit Insurance Corporation’s (FDIC) #GetBanked campaign encourages...
Liquidity Strategies for Illiquid Community Bank Stocks
Liquidity Strategies for Illiquid Community Bank Stocks The fundamental duty of community bank directors and executive officers is to enhance shareholder value. One of the key tenets of enhancing...
Reviewing Branch Strategies for 2021 and Beyond
Between 2012 and 2019, banks eliminated approximately 2,700 branches a year. In 2020, as the global health pandemic set in, banks shuttered more than 3,500 branches.
The Great Escape: The bond market braces for the Fed’s wind-down of its balance sheet.
If bond investors (you) were running low on things to worry about for the rest of the year, I’ve got some terrific news: The $9 trillion portfolio owned by our central bank will begin to shrink....
The Rising Importance of Climate Change at Financial Institutions
Banking organizations have no shortage of factors to navigate as geopolitical tensions continue and domestic monetary policy undergoes normalization. But banks also are staring down a new strategic...
FedNow and faster digital payments
We've been working toward a faster payments future for a decade now, and we're finally seeing the fruits of our labor: the launch of FedNow.
Ten Things Directors Need to Know About Bank Marketing
As a board chair who just concluded an annual organizational meeting piggybacked on a regular monthly bank board meeting, you do not have to convince me that banks don’t need to go looking for...
Will D&I requirements change this year?
How does your bank’s diversity and inclusion (D&I) compliance program compare with the regulatory standards for D&I policies and practices?
Podcast features Banking as a Service case study
In the first episode of Communities of Innovation, an ICBA Podcast, ICBA Chief Innovation Officer Charles Potts sits down with Coastal Community Bank CEO Eric Sprink to discuss Banking as a Service.
Price pullback prospects: Availability of discount bonds causes a rethink of strategies.
Community banking is a cyclical industry, and its earnings have some correlation to market interest rates. Discounts are the story of the day, so let’s review how discount-priced bonds can be used...
New Economic Stresses on Your Credit Analysis
With the producer price index down, can we say we are past peak inflation? Not really. Getting behind the reason for the decline of the overall PPI indicates inflation will be here for quite some...
Fourth quarter rally: Some suggestions on how to wrap up 2022
The word "rally" can be used for a number of purposes and in different contexts. For instance, it could mean a long-distance auto race over varying surfaces and involving stages and checkpoints.
A New Approach to Wealth Management Marketing
By Becki DrahotaWho knew that a line of business which doesn't have mass market appeal and has a sales cycle that's measured in years, would be on a lot of financial institution's marketing plans...
Current bond yields have long-term appeal
Bonds purchased early in 2023 may dip in value at least initially if the FOMC continues to push rates higher. Generally, though, 5% yields have proven to be quite attractive over longer periods.
Will D&I requirements change this year?
How does your bank’s diversity and inclusion (D&I) compliance program compare with the regulatory standards for D&I policies and practices?
Four ways banks can cater to generational trends
As earning power among millennials and Generation Z is expected to grow, banks need to develop strategies for drawing customers from these younger cohorts while also continuing to serve their...
The Definition of a Great Board: 2021 Edition
Economic cycles, leadership transitions, market dynamics, competitive changes, governance activists, and even political shifts can impact board composition and best practices in corporate...