Tiering Deposit Accounts Could be Hurting Banks (Part I)

Because of tradition, we tier our deposit accounts according to size. For a typical bank, their money market accounts often have six tiers ranging from $2,000 up to $100,000. The question that always comes up is – do you have the right tiers and the right number of tiers? Are you using your tiers to…

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Case Study: How To Win More Loan Business

We work on thousands of lending transactions every year with hundreds of community banks across the country.  We participate and help structure financing on commercial real estate, C&I and Ag properties ranging in size from a few hundred thousand to over $100mm, and we collaborate with community bank lenders and underwriters that span the whole…

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Increase Deposits The Easy Way and Get a 150%+ Return

When you are a banker, sometimes your workload doesn’t come in neat memos or emails. A lot of stuff just gets dropped off on your desk with notes to “Fix This” (like below) or solve that. Fortunately, a lot of these problems are easy to solve.  In fact, one of the most popular strategic initiatives among…

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Derivatives Are Tough But Hedging Is Easy (Get Our Documentation)

With a flat and low yield curve, borrowers’ demand for long-term fixed-rate loans is high.  Furthermore, based on the forward market and most analysts’ predictions, the yield curve is expected to stay low and flat in 2020. The difference between five and ten-year loan rates is currently only nine basis points, and the difference between…

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Why Your Bank Needs A Digital Lead Gen Strategy

Unfortunately, in 2020, most bank websites are nothing more than brochure-ware. That is a problem as not only can a bank’s website be its most efficient source leads, but it should also be the best source of conversions (leads that turn into new accounts and loans). While there are several hundred banks that do handle…

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5 Trends Bankers Need To Know From The Fed’s New Payment Study

Last month, the Federal Reserve released its 7th, tri-annual U.S. payments study, and, as usual, it had some eye-opening trends that all banks need to consider for their long-term strategic planning. For example, while consumers have always said they preferred debit cards over cash, last year was the first year in US history where consumers…

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Your Bank Probably Has Loan Size and Risk Wrong

If you are like most banks you have your credit approval and risk process based around loan size. The assumption is that the larger the loan the more risk the bank is taking on so a greater level of risk review is needed. But, suppose the data didn’t bear that assumption out? If that assumption…

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