PCBB

🎉We are thrilled to welcome Michael A. Johnson to the PCBB team as our newest Regional Manager! 🎉 With over 30 years of experience in the financial services industry, Michael brings a wealth of knowledge and expertise that will undoubtedly strengthen our commitment to serving community financial institutions. His extensive background in relationship management and correspondent services, coupled with his dedication to helping these institutions thrive, aligns perfectly with our mission. We are confident that Michael will play a pivotal role in driving success for community financial institutions in the Southwest region. 🙌 Please join us in welcoming Michael to the team! #FinancialServices #CommunityFinancialInstitutions #BankingExcellence #TeamGrowth #WelcomeToTheTeam

Discover the challenges community financial institutions face, from legacy systems to effective data communication, and learn about innovative data analytics platforms that streamline integration and enhance decision-making. Ready to refine your data strategies? Dive into the full article to explore valuable insights and strategies for your institution's success. #DataAnalytics #FinancialInnovation #SmartDecisions https://lnkd.in/gP3xYhnx

Unlock the secrets to successful lending with insights from top lenders who understand the value of guidance beyond financial services. Our latest article explores how institutions like Live Oak Bank, BTC Bank, and Spring Bank are crafting strategies that not only provide loans but also offer essential advice to help small businesses thrive. Discover how these innovative approaches are shaping the future of small business support. Curious to learn more about their strategies and the benefits of advisory relationships? Read our #PCBBBID for an in-depth look at how these lenders are making a difference. https://lnkd.in/d-zZpqk8 #SmallBusiness #FinancialAdvice #BankingInnovation

Curious about why banks are shifting their focus toward private credit? Dive into our latest article to uncover this growing trend in the #bankingindustry. Discover why major players like Citigroup, Goldman Sachs, and Wells Fargo are investing heavily in this space, and what potential risks lie ahead. Explore the strategic advantages and challenges of private credit. Click the link to get the full story and insights! Read the full article: https://lnkd.in/e7hkgzYi #PrivateCredit #BankingInnovation #FinancialTrends

Looking for a settlement agent for the Fed Now Service® without a third-party integration? PCBB is a certified service provider offering settlement and liquidity solutions to participating community financial institutions with no third-party system integrations necessary. Send and or receive account-to-account transfers, requests for payment, bill payments, and many other transactions in real time with the FedNow Service through PCBB. Learn more: https://lnkd.in/g-3XdsNi #fednow #instantpayments

The ways that people within each generation approach their finances can be drastically different. But, regardless of age, race, or generation, everyone shares the same goal: financial security. Today's #PCBBBID offers a quick guide on the way people within each generation approach investing and banking and highlights 6 key differences and similarities #financialinstitutions should remain aware of when reaching out to potential or existing customers. https://lnkd.in/dx8aZRE8 #PCBBBID #GenerationalBanking #Customers

Risk within CRE lending portfolios may be higher than the banking industry realizes. According to the Mortgage Bankers Association (MBA), the value of outstanding CRE loans totals roughly $4.7T, approximately $2T of which is expected to mature by the end of 2026. Office space comprises a large portion of loans nearing maturity, but multifamily housing also accounts for a major percentage — an area where building owners face their own set of challenges in certain parts of the country. With cities such as San Francisco and New York City implementing regulations that limit rent hikes on certain types of apartment buildings just prior to the pandemic — regulation put in place amidst record-low interest rates — many of these owners have been struggling to make loan payments for the past few years. We discuss rising sources of risk and how #stresstesting can help #communityfinancialinstitutions proactively identify trouble spots in today's #PCBBBID: https://lnkd.in/gNqfH8da

Sale-and-leaseback strategies can provide #communityfinancialinstitutions with the liquidity needed to restructure bond portfolios, offset losses, or invest in new opportunities, all while maintaining their presence and operations in the community. We share a couple examples where this has worked, and explore the pluses and minuses this strategy involves. https://lnkd.in/enZQf8Ct #branches #capital

What is ISO 20022? Why is it significant? Download our white paper to help you understand its value and long-term benefits and how it is going to enhance your payment processes. Don’t wait, prepare for the transition now! https://lnkd.in/e_sHfxDm. #ISO20022 #Fedwire #Payments

Finding the right ingredients, ratios, and recipe for a diverse, equitable, and inclusive (#DEI) workplace is a complex but vital effort. To help, we examine 4 examples of what to include on your list of efforts to achieve this, and share 3 ways to collect the data needed to assess your programs effectiveness. https://lnkd.in/eRBFBezi #PCBBBBID #humanresources #employees