If You Are Tired of Being Transactional, You Need A Hedge Program

An inverted yield curve, continued bank failures, and the desire to manage risk and offer clients higher service are all factors that are driving more community banks to adopt a loan hedge program.  Community banks’ main goals are to diligently support their local communities and make an acceptable return on capital in these challenging times….

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How The Market Gets Interest Rate Predictions Wrong

In a few short months, stronger economic data (higher GDP, stronger job market, and stubborn inflation) changed the market’s and the Fed’s view on the future path of interest rates. The market and the Fed are now aligning on only one rate cut in 2024 – obviously this will change over the course of the…

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Use Our 10-Layer Pyramid to Educate and Advise Borrowers

Most customers are borrowing neophytes.  We estimate that the majority of community bank borrowers have a rudimentary financial and accounting understanding, and these borrowers may focus solely on the interest rate on a loan when comparing their options.  Even “sophisticated” and seasoned borrowers do not know how to compare their borrowing options to optimize outcomes. …

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