Community Capital Technology | CCT

The recent election of President Donald Trump is poised to significantly impact the banking sector. Anticipated regulatory changes under the new administration include the easing of capital requirements and streamlining of merger approvals, which could enhance lending capabilities and drive loan growth. The plans to extend the Tax Cuts and Jobs Act, potentially lowering business tax rates to 20%, is also expected to stimulate economic activity, encouraging businesses to pursue new growth and development initiatives. These developments suggest a more favorable environment for financial institutions overall, with increased opportunities for expansion and profitability. As financial institutions seek to more actively manage their balance sheets, the Community Capital Technology | CCT Loan Marketplace is a powerful solution for institutions seeking to find new opportunities to buy, sell or participate in loans. In addition to secondary market access, our marketplace also provides connectivity to new commercial loan originations (CRE, C&I, Specialty, etc.), allowing banks to directly source brand new lending and relationship opportunities for area businesses and their owners. ? To learn more about how our solution may support your financial institution's balance sheet strategy heading into 2025 and beyond, reach out to our Head of Transactions, Gregory Shore directly, or email us at: [email protected] to start the conversation! #Banking?#RiskManagement?#BankingInnovation #BalanceSheetManagement?#LoanMarketplace https://lnkd.in/eWSN-Ubs

The Federal Reserve Bank of New York released an insightful analysis on the U.S. commercial real estate (CRE) market, shedding light on the "extend-and-pretend" approach used by some banks post-pandemic. Here are the key takeaways from?"Extend-and-Pretend in the U.S. CRE Market” (by the NY Fed's Matteo Crosignani and Saketh Prazad): ???Extend-and-Pretend Dynamics Many banks, to avoid recognizing losses on distressed CRE loans, have resorted to extending loan maturities and understating credit risks. While this strategy temporarily protects capital, it comes at the cost of misallocated credit and heightened financial fragility. ? Reduction in New CRE Lending The focus on extending distressed loans has led to a significant 4.8-5.3% reduction in new CRE mortgage originations since early 2022. This credit misallocation has left businesses and developers without the funding needed to adapt to changing market conditions. ? Maturity Wall A growing volume of CRE loans—a staggering 27% of bank capital as of Q4 '23—is set to mature in the near term. This "maturity wall" poses a serious risk of concentrated losses hitting at once, potentially amplifying financial instability. ??Impact on Financial Stability The delayed recognition of losses slows the reallocation of capital needed to support market shifts, like the conversion of vacant office spaces into residential or mixed-use developments. Without proactive intervention, the risks could trigger broader economic fragility. This report underscores the urgent need for banks and the financial system to adopt a more assertive approach to managing CRE portfolios. ??Strategies for banks to consider to help navigate the evolving CRE landscape, ensure resilience, and contribute to broader market stability: ?◆?Acknowledge the Cracks: Accelerate the recognition of distressed loans and ensure transparent reporting. Ignoring these issues delays the inevitable and compounds risks. ?◆ Diversify & Reallocate: Focus on diversifying loan portfolios and reallocating capital toward viable, income-generating projects. Including exploring redevelopment opportunities for struggling properties—such as converting underutilized office spaces into residential units. ?◆ Leverage New Solutions: Tools like Community Capital Technology | CCT's loan marketplace can play a key role in efficiently managing CRE challenges. Our platform enables banks to offload distressed loans, connect with a broader network of buyers, and rebalance portfolios to mitigate concentration risks. As you're developing your institution’s CRE loan portfolio strategy for 2025 and beyond, let’s connect. Reach out to our Head of Transactions, Gregory Shore directly, or email our team at?[email protected]?to start the conversation. #Banking #RiskManagement #CommercialRealEstate #BankingInnovation #BalanceSheetManagement #CREMarketTrends #LoanMarketplace https://lnkd.in/ejQF3GYa

Jennifer M. Walker & Natalie Schneider from our Community Capital Technology | CCT team had a great time connecting with bankers at the Cornerstone Capital Bank Open House in Plano, TX yesterday. The team caught up with current Independent Bankers Association of Texas Loan Marketplace user Zane Smith (American Bank, N.A.), Jay James (b1BANK) and Dana Adams (High Tide Partners)! Special shout out to Cornerstone's Brook Alan Silvestri for inviting us to this terrific event. Thanks to the Cornerstone crew for a fun Happy Hour and afternoon of networking! #communitybanks #lending #networking #partnerships #fintech

Incredible first day at KBW’s Annual Fintech Conference in New York. Community Capital Technology | CCT's CEO Garrett Smith had the pleasure of connecting with KBW's Matthew Schneider, CPA, Joseph Berry & Keith Meyers, along with other industry leaders, investors, entrepreneurs, and visionaries from across the financial services and fintech landscape. Huge thanks to KBW for hosting such a powerful event—it's energizing to be part of a gathering of so many of the innovators that are on the frontlines of shaping the future. #fintechinnovation #fintechfuture

Opening Day here in Fredericksburg, Texas at FedFis's annual #TheRoundup ??! Excited to connect with industry leaders, innovators, and community bankers who are championing #TruthinBanking. Speaking of community bank industry leaders, innovators and champions... Christopher Williston VI, CAE (Independent Bankers Association of Texas) & Matthew Smith (Bankers Helping Bankers) are at the very top of the list. From #CommunityBanking insights to #FinTechInnovation discussions, Garrett Smith is eager to learn and share with this passionate, committed group as we explore the banking and financial services landscape. Looking forward to a great event with inspiring conversations and breakthrough ideas that help unlock a strong, vibrant future for #CommunityBanks! #CommunityBanking #InnovationInBanking #FinTech #2SmithsRBetter

Garrett Smith is fired up for next week’s #TheRoundup in Fredericksburg, Texas! Hosted by FedFis, this event stands out as a must-attend on the banking and fintech landscape, offering a unique chance for meaningful, one-on-one conversations with bankers. It’s all about real insights, real data, and real camaraderie. Huge shoutout to the FedFis team and the Mayos (Dave Mayo, Tanner Mayo, Sean Mayo) for setting the bar higher every year – they know how to bring the industry together in the best way! ?? Can't wait to see everyone and talk about the Loan Marketplace! #BankingEvents #FedFis #CommunityBanking #FinTech #Innovation

We had a great time formally launching our partnership with Osaic at their #ConnectED conference in Orlando this week. We are excited to grow the partnership and roll out our platform to their 12,000 financial advisors nationwide!

As Cybersecurity Awareness Month comes to a close, we at Community Capital Technology | CCT continue to think about the critical role AI is increasingly playing in cybersecurity (and beyond!) and how it will impact our evolution as well as our financial institution clients. Leveraging AI in cybersecurity isn’t merely beneficial—it’s essential to building a security program designed to meet the challenges ahead. As the AI landscape rapidly advances, it is important for institutions to actively explore AI’s potential in cybersecurity while shaping a longer-term vision for broader AI applications across the organization. Deploying AI thoughtfully within the governance framework of the infosec team will pave the way for scalable, AI-enhanced solutions that extend institution-wide, safeguarding both data and trust. ?? From the desk of our CISO, Lee Cuevas, here are four strategic recommendations for financial institution infosec teams that are contemplating integrating AI tools to strengthen their defenses but haven't yet started the journey. #AI #Cybersecurity #Fintech #Innovation #CybersecurityAwarenessMonth

Our Community Capital Technology | CCT team, Garrett Smith and Chuck Seergy, are excited to be in Orlando for the 2024 Osaic ConnectED conference! It’s an incredible opportunity to build meaningful connections across the Osaic community and dive into inspiring discussions on delivering impactful lending solutions for clients. Looking forward to collaborating and bringing new ideas back to the team! #OsaicConnectED #CommunityCapital #ClientSolutions #Networking #Innovation

As Julieann Thurlow wraps up her term as Chair of the American Bankers Association, she leaves us with a powerful reminder: in a world increasingly driven by digital transactions, banking must retain its human touch. Thurlow, who also serves as CEO of Reading Cooperative Bank, has championed the resilience and adaptability of community banks, urging the industry to innovate without losing sight of the people it serves. In her recent interview with American Banker, she touches on several themes critical to the future of banking: ?? Tech and Trust: In an age of rapid digital transformation, banks must continue to seek opportunities foster trust and transparency within their communities and offer creative, tech-forward solutions that solve the client's needs while maintaining the personal connection. ?? Navigating Regulatory Waters: The need for vigorous advocacy to ensure regulations support—rather than hinder—banks' ability to meet local needs effectively. ?? Community Impact: Community banks will continue play an essential role in driving local economic growth and capital access, serving areas and specific communities that larger institutions overlook. As Thurlow transitions from her role, her vision for a more connected, people-centric banking experience is one that resonates across the industry. Her insights remind us that while technology and regulation evolve, staying grounded in community and purpose remains key to the future vibrancy of the community banking landscape. For more of Thurlow’s reflections on the future of banking, check out her interview with American Banker: https://lnkd.in/gTtrAcJD #Banking #CommunityBanks #Leadership #Innovation #ABA #FinancialServices #DigitalTransformation #RegulatoryCompliance #CommunityEngagement #Endorphins