The rise of municipal tender offers
Bond refinancings or “refundings” are used by municipalities to save debt service costs on outstanding bonds or to modify certain bond covenants or financing terms.
Amid the AI hype, what should your bank do?
Amid the AI Hype, What Should Your Bank Do?
Artificial Intelligence: Benefits & challenges for financial institutions
For banks, it’s critical to embrace the advancements of the future, but also to consider the security and regulatory requirements and overall risk to the organization and its customers.
Rolling forecasts: Community bankers’ key to agility
Inflation, higher interest rates, rising bond yields and concern about when another recession might arrive are all contributing to an uncertain economic outlook despite a favorable stock market through the first three quarters of 2023.
Securing our financial future
Banks in small towns from Salem to Batesville are often overregulated and underserved, and it’s beyond time we advocate for their unique priorities.
Financial institutions, investing clients to benefit from SECURE 2.0 Act provisions
For banks that have investment programs or provide wealth management services to clients, this is the perfect opportunity to collaborate with your financial advisors on a growth strategy centered around small business owners.
Don’t sleep on your rights
As long as the bank responds appropriately to garnishment paperwork, the bank’s security interest in the deposit account will defeat any interest asserted by a judgment creditor. Why is that the case?
Uncertainty looms for ag credit markets
Rising interest rates and inflation increased costs for farmers. However, at the same time, agricultural commodity prices have increased, keeping farm incomes elevated.
Loan review best practices
Uncertainty seems to be the only constant on the economic horizon these days. Despite benign risk metrics across the country’s credit portfolios, there is an almost industry-wide sentiment that credit stress looms ahead. According to the Risk Management Association (RMA)’s Annual Community Bank Survey, 84% of community bankers indicated that credit risk was a top […]
Sen. Travis Holdman
Sen. Travis Holdman, R-Markle, is a former board chair for the Community Bankers Association of Indiana and Indiana Department of Financial Institutions, and currently chairs the Senate Tax & Fiscal Policy Committee.