April 11, 2025

With the Fed cutting rates by 100 basis points since last year and now seemingly paused, bankers are rethinking their strategies for funding and liquidity management.

Profitability continues to be a key concern for community banks as they navigate a complex operating environment. A changing interest-rate landscape, limited deposit growth and a subdued appetite for borrowing are all compressing margins.

Customers come to Spry looking for ways to improve employee engagement, streamline operations and enhance their brand.

Collaborations between financial services technology firms (fintechs) and financial institutions are occurring more frequently than ever.

Community banks play a crucial role in local economies, offering personalized service and financial solutions tailored to their customers’ needs.

REGISTER TODAY!icba.org/capitalsummit

Each quarter, our financial institution’s experts bring you the top headlines to keep you updated on regulatory compliance matters impacting banks and credit unions. Here’s the latest roundup of information you need to know.

Note: In this column, for the first time, your correspondent relied on ChatGPT, the generative artificial intelligence (AI) platform. For the record, I submitted this inquiry: “Write a 700-word essay on how the shape of the Treasury yield curve affects community banks.”