The Ceto Blog

Understanding the FFIEC Guidance on Risk Management of Outsourced Technology Services
7 Ways to Uncover Hidden Opportunities for Profitability
The Top 8 Habits of a High-Performing Bank
Overtime: Friend or Foe?
Riding the Mortgage Roller Coaster
Deck Building 101: Lessons Learned During a Pandemic
Should Community Banks and Credit Unions Pay a Living Wage?
How Will the Mortgage Industry Perform Moving Forward?
Keep Calm and Bank On
5 Profitability Analysis Myths: The Final Recap
Myth #5: Change Leads to Immediate Productivity Gains
Myth #4: Industry Benchmarks Yield No Meaningful Insights
Myth #3: Staffing Reduction Promotes Greater Efficiency
Myth #2: Increasing Non-Interest Income Produces Customer Attrition
9 Questions to Ask Yourself Before Beginning a Profitability Enhancement Analysis
Myth #1: Using Internal Resources for Profitability Enhancement Initiatives Produce Better Outcomes
Final Recap: How to Deal with the Coronavirus Pandemic
Future Regulatory Intervention and the Coronavirus Pandemic
Challenges Facing Banks and Credit Unions During the Coronavirus Pandemic
Relief and Assistance Efforts: Legislative Programs and Guidance During the Coronavirus Pandemic
Similarities Between the 2008 Financial Crisis and the Coronavirus Pandemic
Coronavirus: From Health Crisis to Financial Crisis
Key Takeaways from Money 20/20
Why You Should Evaluate Your Non-Interest Income Strategy
Ceto and Associates Celebrates 25 Years of Success
Updates: Bank Mergers & Acquisitions
Do We Really Need Staff in Branches?
4 Tools for Attracting and Retaining Deposits in a Digitally Competitive Landscape
The Pros and Cons of Relationship Pricing
Banking Trends: What Products and Services are on the Rise, and which are Declining?
The Pros and Cons of Reward Checking and Relationship Packaging
The Ethical Conflict that is Continuous Day Overdraft
Retail Banking Trends – Financial Education as a Marketing Tool
Find and Solve the Cause of Revenue Leakage
The Pros and Cons of Using Third Parties
Technology for Banking in 2018
How does Bank Consolidation Impact Product Pricing?
Non-Interest Income, More than Courtesy Overdraft
How CECL Impacts the Financial Industry
The Staffing Conundrum
Five Tools to Help Improve Operational Efficiency
How to Figure Out Your Efficiency Ratio
The Evolution of Banking Delivery Channels
Fintech: What are the Real Threats to Financial Institutions
Retail Banking Trends – The Universal Banker
How Rising Rates Are Affecting the Fixed Rate Mortgage Industry
Are You Going Digital? Lending 101
Loan Origination Processes and Challenges Part 3 – Commercial Loans
Rising Interest Rates and Loan Foreclosures
Updates: Credit Union Mergers & Acquisitions
Certificates of Deposit in a Rising Rate Environment
Real-Time Payments are Coming to America
What Blockchain Means for Banking
2017 Regulatory Updates – Year in Review
Relationship Pricing, What is it Really?
Loan Origination Processes and Challenges Part 2 – Mortgage Loans
CFPB Focus and Bulletins during 2017
2018 Outlook – The Fed, Monetary Policy, and Interest Rates
The Importance of Defining and Understanding Your Competitors
Mystery Shopping & Market Research: DIY or Hire a Professional
The Importance of Non- Interest Income, let’s not be so adverse to fee
Benefits of Courtesy Overdraft Programs
Loan Origination Processes and Challenges Part 1 – Consumer Loans
The Difference between Data, Information and Actionable Intelligence
Aligning, Designing and Pricing Deposit Products to Meet Objectives
How I Learned to Stop Fighting the Fed
With Rising Rates, could there be a Mortgage Refinance Boom?
Rewards Checking Products. The Pros and Cons
What is Competitive Intelligence?
Good Customers Are Not Always Profitable Customers
M&A Activity for Community Banks in 2017
Importance of Employing Diagnostics in Uncovering Potential Issues
2016 CFPB Update: CFBP Focus and Bulletins During 2016
We Need to Talk!
A Look Ahead at M & A in the Banking Sector During 2016
Information Technology and Banking
National Bank or Community Bank / Credit Union
How the way we Lend is Changing
Has Budgeting Become a Lost Art?
The Best America has to Offer
Using the General Ledger to Improve Efficiency Ratios
Improving the Customer Experience
Operational Efficiency Defined
Product Simplification: Back to Basics
A Follow Up to Data Breaches
How About a Second Chance?
The Real Threat of Data Breaches, Trust me.
Just What the Doctor Ordered
Senator Durbin, May I Please Have Some Water?
Are Community Banks Going the Way of the Airline Industry?