Business<br />
Insights that<br />
drive results

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Business
Insights that
drive results

Posts by Barry Adcock

10/19/2017

Finding the Right Mix of Fixed and Variable Loans in a Rising-Rate Environment

Most consumers probably understand that when the Federal Reserve increases its benchmark federal funds rate, it’s only a matter of time before the corresponding rise in interest rates hits their wallets. How will mortgage seekers react to the rising-rate environment? It’s probably a safe prediction that rising interest rates will spur increased interest in fixed-rate…

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10/12/2017

Best Ways to Optimize Your Budgeting, Planning, and Forecasting Processes

How does your financial institution approach performance management? Are you still taking a silo approach to the key aspects of successful PM, including planning, budgeting and forecasting (PBF)? Are you trusting the way you’ve always done PBF will keep your organization moving forward in today’s faster, streamlined marketplace? Performance management is evolving, and financial institutions…

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09/14/2017

Niche Mining Advice for Small Banks and Credit Unions

“When I ask community banks what they excel at, I hear the same answer time and again: ‘Well, we’re a community bank,’” Paul Schaus, president, CEO and founder of bank consulting firm CCG Catalyst, wrote in an article for Bank Innovation. “That is not a niche; the vast majority of consumers don’t even know what a…

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09/06/2017

5 Secrets to Turbo-charging Your Bank’s Performance

Before the Great Recession, most financial institutions were rolling along, reaping return on average assets (ROAA) in the neighborhood of 1.35 percent. ROAA nose-dived (along with practically every other economic and financial indicator) between 2007-2009, only to tick back up in 2010. From 2012 to 2016, the average ROAA was around 1.02 percent. In the…

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08/22/2017

Today’s Competition Is Different but Still Tough — Do You Know How to Stand Out? 

Competition has always been as much a part of the banking industry as dollars and cents. Today, we hear a lot about how years of mergers, acquisitions, consolidations, and collapses in the banking industry have culled the playing field … all the way down to a “mere” 1,799 insured, U.S-chartered commercial financial institutions with assets…

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08/09/2017

Strategic Responses to the Rising Rates Environment

Air travelers largely fall into two categories: those who pay attention to the safety instructions and mentally plan how they’ll respond in different emergency scenarios, and those who ignore the flight attendant and just keep doing whatever they were doing before the safety announcements began. The current rising rates environment is like a plane full of bankers…

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07/24/2017

Sustaining customer trust amid anticipated deregulation

It’s probably fair to say 2017 will see the easing of at least some banking industry regulations. From an executive order that could target Dodd-Frank to campaign promises to ease regulatory burdens on the industry, the Trump administration seems poised to deregulate. While many in the industry may view the prospect of fewer regulations as…

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