OFFICIAL PUBLICATION OF THE COMMUNITY BANKERS OF WASHINGTON

May 15, 2024

Recession Proofing

How To Benefit From a Lull in the Economy

Tell me if you’ve heard this: An inverted yield curve is highly correlated with a subsequent recession. And might I point out that the U.S. treasury curve has been upside down for pushing two years now? Since we’re playing master of the obvious, let’s mention that the Fed — while not quite ready to start […]

Recession Proofing

How To Benefit From a Lull in the Economy

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Loan Participations Plant the Seeds for Lending Growth

When one of your best customers approaches your community bank about a new loan, ideally, you would always be able to say yes. Regulations, however, set limits on how much funding lenders can provide borrowers. Community banks have options, however, to meet these regulatory requirements and still meet the needs of their customers. They can

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[Small] Business is Booming

Is Your Bank Ready To Ride the Wave?

National surveys indicate that capturing small businesses is a strategic priority for most community banks, yet many feel they lack the comprehensive toolkit to compete effectively. The landscape of small business has evolved dramatically, particularly in the wake of the pandemic. The surge in new business formations has been fueled by a trifecta of factors:

[Small] Business is Booming

Is Your Bank Ready To Ride the Wave?

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2024’s Top Cybersecurity Threats

As the process of protecting systems, networks and endpoints from attack, cybersecurity is critical to any organization. Since banks must protect customer data, keeping up with evolving cyber threats and concerns is vital. In its annual “Banking Priorities” survey, CSI asked bankers across the country about their views on top cybersecurity challenges. This article explores how

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Many Teller Cash Recycler Brands Are Obsolete

Some Are Even at End of Life and Are a Security Risk

When it comes to lobby teller cash recyclers, not much has changed over the last decade since they released. When implementing this technology in the branch, people often overlook the strategic possibilities of recyclers. For years, we loved the implementation of a dispenser that would replace our traditional teller cash drawer and allow for a

Many Teller Cash Recycler Brands Are Obsolete

Some Are Even at End of Life and Are a Security Risk

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Comingling Personal and Business Funds

When business customers comingle funds between personal and business accounts, it can create challenges both for the bank and the customer. This article highlights scenarios that should be avoided and how to educate business owners on potential negative implications. Scenario 1: Cashing a Check Written to a Business John Doe brings in a check written

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The Latest Fraud Trends and Prevention Best Practices

Debit card fraud is on the rise. It accounts for about 40% of all card fraud. Here’s what our SHAZAM fraud specialists are noticing and what financial institutions can do to protect their cardholders. Social Engineering Scams Are Still Common Bad actors continue to use social engineering schemes to trick cardholders into providing their sensitive

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3 Steps to Evaluate Credit Trends and Risk Management

When a message is repeated, it’s likely intended to carry some weight. In this regard, the federal banking regulators have issued more than a “friendly reminder” by placing credit risk in the top examination priorities for the year. Additional emphasis was focused on assessing how banks are identifying and responding to credit risk as economic

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