Shallow talent pool puts bankers to the test

Just about every banker who has had to make a hire in the past year knows how daunting the task has been. From the top of the organizational chart to the bottom, finding a skilled worker to fill an open position is hard — and it might get worse. [Continue]

Montana ag lender invests in the future of her industry

Hearther Malcolm brings a degree in agricultural business and nearly two decades in ag lending experience to her work at Bank of the Rockies. She also is involved in the American Bankers Association’s Agricultural and Rural Bankers Committee. [Continue]

Be the boss your people deserve

Workers are looking for advancement opportunities, a way to see that their efforts are making a difference in peoples’ lives, and a culture that fosters collegiality, growth and innovation. [Continue]

Treasury agreements provide critical protection

One of the best ways for banks to mitigate risks, therefore, is to have their own tailored agreements with customers that set forth the terms, guidelines and use of the products that third-party vendors provide. [Continue]

Nebraska banks make financial literacy a priority

Young Americans generally lack the skills they need to manage their financial futures. In order to improve the financial literacy of young people, and help them avoid future financial struggles, some community bankers in Nebraska have dedicated resources to opening banks inside of elementary schools.  [Continue]

Ag tech transforms the field for today’s farmers

Growers Edge Financial, Johnston, Iowa, is carving a path as an innovator in melding financial technology into the ag sector. Joe Young, its co-founder and president, offers insight about how these two worlds come together. [Continue]

FSA program works at Montana bank

As an ag banker with a deep understanding of what it means to work in agriculture, Bank of the Rockies’ Heather Malcolm is involved in numerous initiatives to improve agriculture and banking in her home state of Montana and throughout the United States.  [Continue]

Think before you hit ‘send’

We have all been there. A board reporting deadline looms and you are waiting on “Jacob” to provide his quarterly charge-off numbers. You are down to the wire and send him a quick email asking for an update. Within seconds, you receive an “out of office” message stating he will be gone through the end of the week. WHAT?  [Continue]

The long, winding DIF road

It has been a slog for the industry to get to this point, and while the credits are appreciated, the environment was still better in the 1990s when many banks paid no premiums at all. But given how much things have changed in the last 25 years, the post-crisis premium structure seems appropriate. [Continue]