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Embracing Lending Transformation to Control Your Destiny
Today’s banks can gain a competitive advantage by providing a digital experience throughout the entire loan lifecycle – from onboarding to boarding to core and loan management.
How the MPF® Program Keeps Community Banks Competitive
Through the Mortgage Partnership Finance® (MPF®) Program, community banks gain access to the secondary mortgage market while benefiting from key competitive advantages.
Future Commercial Lending Success Through Consumer Loans
Read Teslar’s white paper to explore why community banks need to engage consumer borrowers to grow and sustain their commercial lending pipeline—and how to do it successfully.
How Community Banks Open Doors for Local Restaurants
Restaurants, just like community banks, are a part of every local economy. And community banks know the best way to support this higher-risk industry.
Renovation Lending: The Solution to a Tough Mortgage Market?
With many prospective and first-time homebuyers buying fixer-uppers, community banks can tap into a new market to supplement their mortgage and construction portfolios.
Streamline Your Bank’s Appraisal and Vendor Management with ValuTrac
Tired of juggling spreadsheets, emails, and phone calls to manage appraisals and vendors? ValuTrac offers a unified workspace that transforms how banks manage their appraisal and valuation processes.
Loan Pricing strategies: Don’t let your bank become a Castaway.
With rapidly changing market conditions, your bank could easily find itself isolated like Tom Hanks in Castaway, on a desert island alone.
Mitigating Risk in Construction Draw Loans
Construction projects hold great potential but also come with risks. Addressing these challenges head-on will help mitigate each loans risk.
Equip Your Leasing Finance Operations
Discover how lenders can navigate the evolving landscape of equipment lease financing with insights on risk mitigation and operational readiness.
The CFPB is Planning Sweeping Changes to Small Business Lending
Finastra’s SBDC module is a cloud-native solution that seamlessly integrates with Finastra’s retail lending products.
Alternative Credit Scoring Models: Beyond FICO
Community banks can expand access to capital by looking at other factors for loan approval. Here’s what to consider.
Specialize and Thrive: Community Banks Find Success Lending to Niche Markets
When it comes to organic growth, niche lending is one way to reach lucrative new markets.
Chippewa Valley Bank: Fueling Growth With Innovative Bank Stock Lending
Chippewa Valley Bank has pioneered an innovative bank stock lending program, providing community banks with an expedited and cost-efficient avenue to acquire capital and interest-earning assets.
Mission Valley Bank: Giving Where You Live
Serving its community in the Santa Clarita Valley is one of Mission Valley Bank’s founding principles. Its community work is best exemplified by its Give Where You Live program for nonprofits.
Digitizing the Commercial Lending Process
With a new digital commercial loan solution, The Killbuck Savings Bank Co. has catapulted its commercial lending and loan origination system into the high-speed digital era.
The Lending Outlook for 2024
A pullback in lending from some institutions creates opportunities for community banks to pick up new customers.
Using Data to Boost Mortgage Lending
Can community banks reengage existing mortgage customers through data, or find new ones? We spoke to experts on where to find data that could increase sales—and what to do with it.
8 Ways Community Banks Can Boost Small Business Lending
Small businesses and community banks are a perfect pairing. Community banks play a key role in giving small businesses needed capital and guidance so they can survive and thrive.
Farmers and Merchants' Digital Transformation in Farm Country
Working in an agricultural community, Farmers and Merchants Bank is supporting its farm customers by innovating its products and services.
How to Excel in Niche Lending
From microbreweries to veterinary businesses, new companies pop up every day, but the needs of each business customer are different. Specialty community bank lenders describe how they serve their...
What's the Future of Ag Lending?
As technology evolves, so do the needs of farmers. From cloud usage to digital lending solutions, ag lending experts explain how community banks can best support their farming clientele.
How Choice Bank Used Tech to Recapture Ag Business
When ag retailers started offering financing options from national companies at the point of sale, Choice Bank hit back with the development of an innovative POS digital origination platform.
Who are ICBA's Top Lenders of 2023?
In an uncertain economic environment, community banks have continued to make smart lending decisions that help individuals and businesses in their communities. Here are 2023's most successful loan...
Smart Strategies for Community Bank Construction Lending
Community banks take on a large amount of risk when it comes to construction lending. But by doing their due diligence, applying the right strategies and connecting with their customers, banks can...
Growing SBA lending for small businesses
Community banks are seizing opportunities to grow SBA lending and provide small and minority-owned businesses with capital that would otherwise be difficult to find.
Community mortgage lenders adapt to higher-rate cycles
Mortgage interest rates continue to rise, but community bankers are keeping it all in perspective, applying creativity and strategy to their lending portfolios.
Jim Reber: Collateral advantage
A variety of MBS pools can spread your risk.
New Guide Helps Banks Make Informed Cannabis Lending Decisions
Cannabis-related businesses are actively seeking bank lending, while bankers are increasingly viewing these customers as a source of new earning assets.
Jim Reber: Time to lock in?
SBICs can hit the sweet spot on the yield curve.
Scottsdale Community Bank: Making microloans
De novo Scottsdale Community Bank set out to provide microloans to small and mid-size businesses, family organizations and nonprofits—a project that was inspired by the humble lemonade stand.
When Every Minute Matters, Choose FirstClose Equity
SPONSORED | If you want an all-in-one turnkey solution that delivers more home equity business with an enhanced customer experience, FirstClose Equity is where it’s at.
Adapting lending practices during a recession
Many lenders are looking for ways to mitigate risk and ease economic burden for their customers amid a predicted recession. Three community bank lenders share their advice for lending during an...
Maintaining momentum in an unpredictable lending landscape
In the past few years, the lending landscape was unpredictable, to say the least. Community bankers look back at what happened in 2022 and what’s on the road ahead.
Harnessing technology to empower your staff and automate processes
SPONSORED | The Great Resignation is lingering longer than anticipated, leaving financial institutions with roles to fill. In this Dialogue on Demand session, we discuss the utilizing technology to...
Mark Scanlan: Nobody serves rural America better than community banks
ICBA is dedicated to ensuring the role of community banks is properly communicated to policymakers so community banks can remain viable and compete on a level playing field.
Maintaining resilience in a rising rates environment: addressing ALM uncertainties
SPONSORED | Looking for asset liability management and pricing strategies to help your institution navigate the rising rate environment? Download our whitepaper to find out ways to address ALM...
How New England banks are supporting the tourism industry
Welcome, leaf peepers! Now that autumn is here, it’s time to take a road trip and meet the community banks that call New England home, making an impact on their communities and helping local...
Why Community Banks Need a Digital SBA Lending Platform [Checklist]
SPONSORED—Community bankers can take advantage of digital technologies to help improve SBA lending operations and generate more revenue from their SBA lending program. Find out why your bank...
A Loan So Good, Borrowers Can’t Stop Talking About It
SPONSORED | See what real borrowers are saying about the Kasasa Loan® — and why its flexibility, control, and transparency are changing the loan game for consumers and community banks alike.
Commercial real estate outlook
The commercial real estate market is changing, as demand for new construction grows along with rising costs and interest rates. How do community banks fit in the bigger CRE picture? Lenders share...
How BHG Financial’s innovative solutions can help community banks thrive in the digital age
SPONSORED | First Citizens Bank, an Iowa state-chartered bank, uses OnBoard’s board management software to increase efficiency and deliver a consistent, improved process for its boards, committees,...
5 ways to shake up your lending strategy
A new approach to loan protocols is just one way for community banks to grow in new and different directions. Assessing best practices, rates, marketing efforts and more can position loan producers...
How community banks can help young homebuyers
As house prices skyrocket, student loan debt grows and wages stagnate, many Gen Zers and millennials are watching their homebuying dreams move out of reach. But there are ways community banks can...
Who were ICBA's Top Lenders of 2022?
Highlighted here are some of last year’s most successful loan producers in the areas of agriculture, commercial and consumer/mortgage lending.
The effect of nonbanks in the mortgage space
Nonbank institutions continue to be serious contenders in the home lending space. We look at how community banks can counter nonbanks’ offerings through streamlined technology, customer service and...
Is commercial lending on the rise?
Loan providers share an infectious enthusiasm and growing optimism for one vertical’s prospects in 2022: commercial lending. Here’s how community bankers can take advantage of various...
Jim Reber: Mayday for mortgages?
Rising borrower costs have consequences for MBS.
How thrift and mutual banks are benefiting their customers
Thrift banks, otherwise known as savings and loans, focus on turning deposits into consumer mortgage loans. We take a deep dive into what lies at the heart of these community banks’ business models...
The top-performing community banks of 2021
Independent Banker’s annual listing top-performing community banks of 2021 alongside interviews with some of the winners. In true community bank fashion, each has its own story to tell and its own...
Mortgage eClosing: The Path to eSignatures
SPONSORED | The path to eClosing is complex but achievable. During this Dialogue on Demand session, we will uncover the benefits and uses of eSignatures, legislation surrounding eSignatures and...
Prepare for a purchase market and create mortgage efficiencies
SPONSORED | The mortgage industry is very volatile. How can lenders be ready? In this webinar, you’ll learn about how APIs can enhance the experience for both borrowers and lenders and preparing...
Niche lending ideas: Green products and services
Community banks thrive in niche markets, and lending in new spaces is just one of the ways they serve their communities. As the market for “green” products and services evolves, we asked community...
First Women’s Bank tackles small business inequity
Dismayed at the lack of business ownership opportunities and advancement afforded to entrepreneurial women, Marianne Markowitz spearheaded a consortium to form a women-founded, women-owned and...
Building greater strength with FICO
SPONSORED | As the world has evolved, so has the way we analyze credit. New and exciting technology makes way for innovative algorithms that give us a more defined look at an even greater data set.
Developing leaders in mortgage lending – Navigating uncertainty with leadership strategies
SPONSORED—Will the high loan origination activity originally witnessed in 2020 continue over time? Numbers from 2021 would indicate that a decline is underway. Download Finastra’s white paper...
The benefits of micro-lending programs
Despite the large number of PPP loans distributed to small businesses, funding didn’t always reach those who needed it the most. These community banks are working to fix that through microlending...
The power of a CDFI
First Southwest Bank is carving out new business models to address a need for credit and financial services through nonprofit lending programs and software that leverages its community development...
The community banks standing by hospitality customers
Many hotels and other hospitality businesses haven’t fully bounced back from COVID-19 travel and safety restrictions, but community banks have been by their side through the challenges. Luckily,...
The banks serving active duty personnel
Community banks operate on a majority of the country’s military installations. Given their selfless service, active-duty personnel rely on community banks that understand their unique needs.
How University Bank is redressing redlining
Widespread housing discrimination made homeownership unattainable for Black Americans for generations. To address this, University Bank and a nonprofit launched a new mortgage program, creating a...