What happens when market rates move up, but your loan yields stay flat?

March 28, 2022 - 2 min read

Competition for commercial loans has been incredibly intense as community banks, regional banks, credit unions and fintechs battle to expand their commercial loan portfolios in a low demand, high liquidity environment. Now, the Federal Reserve has announced its intention to raise rates another six times this year after making its first twenty-five basis point increase…

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Does Your Institution Need New Pricing Software?

March 15, 2022 - 2 min read

LoanPricingPRO® can easily replace your legacy solution.  If your current software is outdated or being retired, migration to LoanPricingPRO® is quick and easy.  Your model comes configured with institution specific cost and profitability assumptions, as well as return on equity targets.  Full relationship profitability and a core data interface are also part of our base solution….

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LoanPricingPRO® Quarterly Newsletter

February 16, 2022 - 1 min read

Most large banks book negative provisions in Q4’21 A strong economy and near-pristine credit quality enabled large U.S. banks to book negative provisions in the 2021 fourth quarter.  

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LoanPricingPRO® Quarterly Newsletter

February 25, 2021 - 1 min read

Excess Liquidity Continues to Smother US Bank Margins U.S. bank margins remained near historical lows in the fourth quarter as excess liquidity continued to build on institutions’ balance sheets.   LoanPricingPRO® Quarterly Newsletter  

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LoanPricingPRO® Goes Beyond Just Software

January 21, 2021 - 2 min read

  Ensure your loan pricing model is calibrated with bank specific assumptions that drive real results. Loan pricing software is only as good as its assumptions. Over time, as your institution evolves, these assumptions can potentially become stale. Our Tier II Cost & Profitability Analysis is designed to eliminate this risk. This annual analysis will ensure all of…

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Loan Pricing & Profitability – Recommendations for the Post-Covid 19 Environment

November 23, 2020 - 1 min read

ProBank Austin’s Managing Director for Loan Pricing & Profitability, Jeff Morris, recently presented “Loan Pricing & Profitability – Recommendations for the Post-Covid 19 Environment” at the Ohio Bankers League Virtual Annual Meeting.  The presentation centered on determining how to find the floor for commercial loan pricing within today’s current lending environment where competition for high…

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LoanPricingPRO® On Demand

September 23, 2020 - 2 min read

Experience the power of LoanPricingPRO® only when you need it and without licensing the software. Submit the details of your deal, and the ProBank Austin LoanPricingPRO® experts will analyze your scenario. The model will be populated with institution specific assumptions based on recent regulatory filings. A sampling of these assumptions include credit loss expectations, product…

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LoanPricingPRO® Quarterly Newsletter

August 11, 2020 - 1 min read

Commercial Lending Trends and Strategies Included in this edition are Commercial Lending Industry Trends; What Can Community Bankers Learn from Large Bank CECL Disclosures?; Loan Pricing Resources, and more.   LoanPricingPRO® Quarterly Newsletter  

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Lending Environment Due to COVID-19

April 17, 2020 - 3 min read

Since the rapid onset of the novel Corona Virus striking US and global financial markets, benchmark interest rates have fallen sharply.  Over the past month US Treasury rates for 5 and 10 year securities have quickly moved to historic lows. If your institution is using unadjusted US Treasury rates as proxies for market based cost…

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Lending Considerations for Community Banks During the Coronavirus Pandemic

April 7, 2020 - 2 min read

Register Now The economic impact of the Coronavirus Pandemic is now touching nearly every business and organization in essentially every country around the world.  To be able to continue to support your local community, community-based financial institutions need to be able to respond to the evolving financing needs of each customer, including business borrowers. Understanding…

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LoanPricingPRO® Registers Record Increase in Client Use in 2019!

January 9, 2020 - 3 min read

  Many thanks to our new and continuing clients – we couldn’t do it without You! LoanPricingPRO® software, the commercial loan pricing system from ProBank Austin, had its best year ever in 2019, experiencing client utilization growth of 21%, following solid growth of over 10% in 2018. Growth was fueled by both new clients signing…

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Loan Pricing Model Target Return on Equity (ROE) Calibration

June 24, 2019 - 4 min read

Jun 2019 by Andy Morgan Essential Concepts in Pricing Loans Imagine this scenario. You’ve purchased loan pricing software.  Your team is excited to implement the model to help drive commercial relationship profitability. You install the model, login for the first time, and then the questions start popping up.  Where did these assumptions come from? Why don’t…

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