Resource Center
Reports focused on topics critical to the success of community financial institutions.
Case Studies
Facing several challenges including losing deals to the competition that could offer longer-term rates, the bank needed a new lending strategy. Learn how they overcame and increased lending deals by 75%.
Traditions Bank selected PCBB and Profitability FIT as they faced many business challenges including not pricing business loans competitively.
Learn how PCBB helped a community bank provide international services with simplified and streamlined transactions all while maintaining a commitment to premium service and support.
How PCBB helped a rural community bank compete with the big banks and win by helping them offer their customers long term fixed rates while getting a floating-rate asset on the books.
Learn how FCB Bank uses PCBB’s relationship profitability solution, Profitability FIT, to more effectively price loans, offer additional services and encourage loyalty.
White Papers
How community financial institutions can maximize their relationships and compete in the deposit rate environment using profitability analysis and relationship modeling.
A guide to help you manage credit risk using four strategies. Learn about the benefits and tips of credit stress testing your loan portfolio seamlessly.
With recent market downturns, interest rate fluctuations, and even liquidity issues, stress testing can allow you to identify potential risk in your portfolio and the impact on earnings, liquidity, and capital. Where do you start? Checkout this paper that offers 6 stress testing tips to see the possible risks in your portfolio and the impact on earnings, liquidity and capital.
As the FedNow Service grows in momentum, we sat down with PCBB's COO - a payments expert and FedNow Service task force member - to understand how the service was developed, and what institutions should be doing now as they consider implementing.
When borrowers seek the stability of a fixed-rate loan and your institution prefers a floating rate loan it creates a disconnect between the needs of your borrower and your CFI. So, what can you do to fix it? Develop a loan hedging strategy. We offer insights on how to select the right hedging program and develop your hedging strategy, and look at how hedging can help reduce volatility.
Your customers aren’t going to wait for faster payments. The ability to clear and settle payments in real time provides money management flexibility and full access to immediate funds. Understanding the payment options available to you and how to get started implementing them can help pave the way to keep customers happy.
Effective customer profitability analysis — covering both current profitability and lifetime value — lets you target profitable customers, cross-sell effectively to existing ones, and migrate customers to more profitable products.
Cross-border payments are changing and business owners expect to transfer money quickly. Swift GPI allows community financial institutions to meet their customers’ needs and generate additional fee income for their institution.
CECL is different from the current loan loss reserve approach since it includes both probable and projected losses over the life of the loan. Learn how this impacts bankers with a diversified loan portfolio.
The CECL approach estimates both probable and projected portfolio losses over the portfolio life. Complexities arise when you have to anticipate repayment and the rate of prepayment. This can be difficult depending on the type of loan. Explore strategies for balancing the rollover risk and reserves.
Facing several challenges including losing deals to the competition that could offer longer-term rates, the bank needed a new lending strategy. Learn how they overcame and increased lending deals by 75%.
Traditions Bank selected PCBB and Profitability FIT as they faced many business challenges including not pricing business loans competitively.
Learn how PCBB helped a community bank provide international services with simplified and streamlined transactions all while maintaining a commitment to premium service and support.
How PCBB helped a rural community bank compete with the big banks and win by helping them offer their customers long term fixed rates while getting a floating-rate asset on the books.
Learn how FCB Bank uses PCBB’s relationship profitability solution, Profitability FIT, to more effectively price loans, offer additional services and encourage loyalty.
How community financial institutions can maximize their relationships and compete in the deposit rate environment using profitability analysis and relationship modeling.
A guide to help you manage credit risk using four strategies. Learn about the benefits and tips of credit stress testing your loan portfolio seamlessly.
With recent market downturns, interest rate fluctuations, and even liquidity issues, stress testing can allow you to identify potential risk in your portfolio and the impact on earnings, liquidity, and capital. Where do you start? Checkout this paper that offers 6 stress testing tips to see the possible risks in your portfolio and the impact on earnings, liquidity and capital.
As the FedNow Service grows in momentum, we sat down with PCBB's COO - a payments expert and FedNow Service task force member - to understand how the service was developed, and what institutions should be doing now as they consider implementing.
When borrowers seek the stability of a fixed-rate loan and your institution prefers a floating rate loan it creates a disconnect between the needs of your borrower and your CFI. So, what can you do to fix it? Develop a loan hedging strategy. We offer insights on how to select the right hedging program and develop your hedging strategy, and look at how hedging can help reduce volatility.
Your customers aren’t going to wait for faster payments. The ability to clear and settle payments in real time provides money management flexibility and full access to immediate funds. Understanding the payment options available to you and how to get started implementing them can help pave the way to keep customers happy.
Effective customer profitability analysis — covering both current profitability and lifetime value — lets you target profitable customers, cross-sell effectively to existing ones, and migrate customers to more profitable products.
Cross-border payments are changing and business owners expect to transfer money quickly. Swift GPI allows community financial institutions to meet their customers’ needs and generate additional fee income for their institution.
CECL is different from the current loan loss reserve approach since it includes both probable and projected losses over the life of the loan. Learn how this impacts bankers with a diversified loan portfolio.
The CECL approach estimates both probable and projected portfolio losses over the portfolio life. Complexities arise when you have to anticipate repayment and the rate of prepayment. This can be difficult depending on the type of loan. Explore strategies for balancing the rollover risk and reserves.
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