For more than a year, community bankers have been hard at work saving the nation’s small businesses via the Paycheck Protection Program (PPP). The effort has been nothing short of heroic—and, from what I am...

Many aspects of life are beginning the return to normal. In a number of ways, we can see light at the end of the tunnel. We look forward to the days when we can do things...

The 2021 release of the Paycheck Protection Program (PPP) is part of the Consolidated Appropriations Act (CAA), which was signed into law on December 27, 2020. The new release of the program arrived at the...

Let me tell you a story. It’s not my story, but it is one I seem to be hearing a lot these days: The world of financial services is changing. It is changing fast. Everything...

The COVID-19 pandemic has disrupted banking. Changing consumer behavior has created new habits that will last a lifetime. Remaining relevant in an evolving competitive landscape reshaped by the pandemic is the challenge. Financial institutions that...

EDITOR’S NOTE: In 2007, the Federal Reserve Bank of St. Louis published a paper by economist Thomas A. Garrett, then an assistant vice president at the St. Louis Fed (now an associate professor in economics...

Take a stroll back in time with me. It was a simpler time. It was an easier time. It was February. In the February 24, 2020, edition of Bankers Digest, I declared that the era...

MARK GRIFFITHS, Principal, MG2 Investments LLCMIKE MAULDIN, Director of the Excellence In Banking Program, Texas Tech UniversityDREW WINTERS, Pickering Chair in Finance, Texas Tech University EDITOR’S NOTE: This research paper—part two of a comprehensive look...

If COVID-19 and an economic recession are not enough for you to deal with, here’s another regulatory issue that continues to loom over all banks—the Community Reinvestment Act. CRA Exams. First, CRA examinations and release...

In response to the continuing challenges related to COVID-19, many financial institutions are relying on digital tools, including document management systems, to keep some semblance of normality. Document management systems are among the digital solutions...