community-banking

Alternative Data Is Vital to Expanding the Credit Pie

02/17/16

There are millions of businesses deserving of loans that banks using traditional data resources might overlook due to their thin credit histories.

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Do Mortgages Still Have Earnings Potential?

02/02/16

The near future may find more banks ceasing to originate residential mortgages in an effort to stop the slide in stock prices.

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The Biggest Threat to Community Banks Is Thinking Small

01/26/16

Too many institutions focus on time-wasting tasks that divert their attention from how to stay relevant in a rapidly changing banking environment.

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Why FASB Reserving Model Isn't as Bad as Banks Think

01/20/16

The Current Expected Loss Credit model will help to quantify bankers' intuition and can be built with readily available data.

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What's Really Causing Turnover of New Branch Hires

01/06/16

Subpar mentoring programs for recruits new to the banking industry could be the reason institutions are finding it hard to keep new talent.

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FASB Chief Is Dead Wrong on Small Banks' Role in Crisis

12/31/15

Recent comments by Russell Golden, chairman of the Financial Accounting Standards Board, raise questions about the board's plans to change bank accounting standards.

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Why Grandma and Grandpa Still Matter to Banking

12/21/15

Banks face immense challenges trying to keep up with technology, but they also must cater to older customers with big deposit accounts who still use their branch.

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Don't Blame Regulators for Dearth of New Banks

12/18/15

De novo activity has remained at a trickle and the reason is investing in a new bank just isn't attractive as it used to be.

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It's OK to Tell Creditworthy Borrowers a Loan Is a Bad Idea

12/10/15

The best commercial lenders take enough interest in their clients to speak up when they see credit as not serving the long-term success of a company.

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Is Banking Industry on the Verge of a Talent Crisis?

12/09/15

Several CEOs hitting the magic age of 63 have chosen to sell their institutions, suggesting a dearth of younger executives waiting in the wings.

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