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SBA releases loan-level PPP data
SBA releases loan-level PPP data The SBA and Treasury Department just publicly released loan-by-loan information about Paycheck Protection Program loans, as they said they would on June 19. By...
7 Tips for Mitigating Synthetic Identity Fraud Risk
7 Tips for Mitigating Synthetic Identity Fraud Risk Catching synthetic identity fraudsters remains difficult, and the fall-out of not detecting it, is substantial. AI company Coalesce estimates...
Staying Connected Amid COVID-19
Staying Connected Amid COVID-19 Crisis response is not a new concept for community banks that have weathered economic recessions, natural and man-made disasters, and previous pandemics—all of...
Community Banks Respond to Americans’ Needs
Community Banks Respond to Americans’ Needs While we have never before experienced anything quite like COVID-19, we can identify a bright spot: community banks rising to serve the needs of their...
When the Going Gets Tough, the Tough Get Lending
When the Going Gets Tough, the Tough Get Lending Well before coronavirus saturated our headlines, community banks accounted for 60 percent of small-business lending, served 58 percent of small...
Stats Offer Perspective on Community Bank PPP Loan Impact
Stats Offer Perspective on Community Bank PPP Loan Impact It’s no surprise that community banks have been financial first responders during the coronavirus pandemic. Their mission, vision and...
Green Grass and High Strides: A Story of Resilience and Commitment in Community Banks’ Latest Performance Numbers
Green Grass and High Strides: A Story of Resilience and Commitment in Community Banks’ Latest Performance Numbers Second-quarter FDIC Quarterly Banking Profile statistics are not just evidence of...
Customer Data Sharing: What you (and your customers) should know
Customer Data Sharing: What you (and your customers) should know When I think about customer-permissioned data sharing, I am reminded of the scene from the movie, Ferris Bueller’s Day Off where...
When Fintech Meets Regtech
When Fintech Meets Regtech Unless you have been living on a desert island for the past few years, you would be hard-pressed to miss the technological revolution that is sweeping our nation’s...
How to Grow the Right Cybersecurity Practitioner
How to Grow the Right Cybersecurity Practitioner Cybersecurity is an ever-changing, ever-evolving practice. Because of this, the right cybersecurity practitioner will require hands-on experience...
Budgeting for a 2021 Innovation Agenda
Budgeting for a 2021 Innovation Agenda With so many unknowns, budgeting is difficult, but there is a bright spot. With uncertainty comes the opportunity to look at what we do in a different light...
A Community Banker’s Perception of the ThinkTECH Accelerator Experience
A Community Banker’s Perception of the ThinkTECH Accelerator Experience In our industry if you’re not moving forward, you’re in danger of falling behind. It’s why we created the ICBA ThinkTECH...
What Do Google’s Advertising Updates Mean to Bank Marketing?
What Do Google’s Advertising Updates Mean to Bank Marketing? As a bank marketer, you’ve had a lot to contend with this year. So if you missed Google’s announced updates to its advertising policies,...
As Artificial Intelligence and Machine Learning Evolve, Regulators Eye Bank Usage
As Artificial Intelligence and Machine Learning Evolve, Regulators Eye Bank Usage As we continue to see regulatory focus on innovation and emerging technologies, it comes as no surprise that the...
The Right Mix: Selecting the Next ThinkTECH Accelerator Cohort
The Right Mix: Selecting the Next ThinkTECH Accelerator Cohort The experiences of 2020 and our new digital normal have impacted the lens with which we view potential fintechs vying for a spot for...
ICBA advocacy push continues during lame-duck Congress
ICBA advocacy push continues during lame-duck Congress While the 116th Congress winds down in the coming weeks with its post-election "lame duck" session, ICBA's efforts to pass much-needed...
Brave New Housing Market: Challenges and Opportunities for Community Banks
Brave New Housing Market: Challenges and Opportunities for Community Banks While policymakers continue debating new approaches to mitigate the coronavirus' ongoing impact, one issue has attracted...
Know Before You Go: What to Expect from ICBA ThinkTECH Accelerator 3.0
Know Before You Go: What to Expect from ICBA ThinkTECH Accelerator 3.0 As we near the close of 2020, we’re all crossing our fingers and hoping that 2021 brings a stronger sense of stability and...
ThinkTECH Discussion: Capturing the Innovation Mindset with Avidia Bank
ThinkTECH Discussion: Capturing the Innovation Mindset with Avidia Bank To think differently, you have to, well, think differently. While that is not a profound concept, it can be alarmingly...
Through the Fire and Flames: The Road Ahead for Community Banks
Through the Fire and Flames: The Road Ahead for Community Banks Economic security rapidly evaporated for many households in 2020 as the coronavirus imposed an indelible mark on our nation’s...
Community Banker Perspective: The Importance of Financial Literacy for Teens
Community Banker Perspective: The Importance of Financial Literacy for Teens April may be Financial Literacy Month, but at Community Spirit Bank our focus on providing young people with a strong...
Simple Steps to Start Saving for Your Financial Future
Simple Steps to Start Saving for Your Financial Future Studies show most Americans have too much debt and not enough savings. Being prepared doesn’t have to be a chore or a burden. With a few...
Why we need Black-owned banks
Why we need Black-owned banks Black-owned community banks have a long history of serving Americans historically left out of the mainstream banking system. Many well-established community banks...
How the TerraUSD Collapse Is Affecting Financial Markets
While the collapse of the TerraUSD stablecoin has captured the most attention, it was not the only stablecoin to fail during the market downturn. Here’s a look at the impact of the Terra decline on...
Community Bank Innovative Solutions for Customer-Centric Experiences
Community Bank Innovative Solutions for Customer-Centric Experiences In a world where technology has made it possible for instant gratification in customer and business relationships, community...
Community Banking's Finest Hour
Community Banking's Finest Hour We have had to juggle countless responsibilities this year—to our families, to our businesses, to our communities, to each other. With so many simultaneous...
Digital Dollar Digest: What Central Bank Digital Currency Architecture Means for Community Banks
Digital Dollar Digest: What Central Bank Digital Currency Architecture Means for Community Banks CBDCs are taking center stage around the globe, with multiple research projects underway. As central...
Community banks must engage customers on new IRS reporting mandates
If community bankers weren’t busy enough continuing their heroic economic response to the pandemic, a proposal to impose IRS reporting mandates on customer bank accounts has become anadvocacy...
PPP Data Show Community Banks Served Those Most in Need
Paycheck Protection Program lending data continue to demonstrate that community banks are justifiably recognized as leaders of the financial response to the COVID-19 pandemic.
How to Dive into Innovation in 2023
When it comes to innovation, big picture ideas crystalize into concrete plans. Having the vision and enthusiasm for fresh solutions is just the start and drives the community bank journey to...
PPP Data Show Community Banks Acted Expeditiously to Save Small Businesses
The Paycheck Protection Program originated its final loans nearly three months ago. Over the preceding year, this Marshall Plan for small businesses provided critical financial assistance to nearly...
A Community Bank Primer on the TerraUSD Collapse
ICBA has closely watched the growth of stablecoins over the past year and repeatedly raised concerns about the risks these systems may pose. Earlier this month, those concerns manifested with the...
Encore Bank Shares Tips for Connecting with Underserved Hispanic Groups
Miguel Lopez, senior vice president and chief community outreach officer at the Little Rock, Ark.-based Encore Bank, shares some tips for reaching out to the Hispanic community in your local area.
How the TerraUSD Collapse Affects Stablecoin Regulation and Community Banks
The collapse of TerraUSD has affected the crypto sector and broader financial markets. But perhaps even more important for community banks, the market instability is fueling the policymaker push...
PPP Data Show Community Bank Pandemic Response Outperformed Larger Lenders
The Paycheck Protection Program offered millions of small businesses a critical financial lifeline to weather an extraordinary economic downturn engendered by the coronavirus pandemic.
The Year of Hiking Cautiously: What a New Cycle of Interest Rate Hikes Mean for Community Banks
The Federal Reserve recently took a major step toward curbing inflation by raising the effective federal funds rate by 25 basis points. Here’s a look at what this means for community banks and...
Community Banks Flock to ICBA ThinkTECH Accelerator as Program Reaches Peak Capacity
They say, "success begets success" and in the case of the ICBA ThinkTECH Accelerator program this timeless belief holds true. Before we even hit the halfway point on our fifth accelerator program...
Relationship Building: Insights from the ICBA Preferred Service Provider Engagement Forum
Ninety-two percent of ICBA member banks rely on at least one ICBA Preferred Service Provider (PSP), and 52% of ICBA members say they would not be able to provide some services without ICBA,...
‘Pig butchering’ crypto scams a growing concern
A new form of scam has skyrocketed in recent years as criminal syndicates target consumers through online channels. Called “pig butchering,” this new scam is increasingly relevant, including among...
‘Pig butchering’ links to crypto demand policy response
“Pig butchering” scams — in which victims invest in supposedly legitimate virtual currency enterprises before being conned out of their money — depend on cryptocurrencies to function....