2025 Pub. 6 Issue 4

Learn More and Register Today!

Congratulations to the banks celebrating July and August anniversaries as chartered institutions!

With rising consumer expectations, growing competition and ongoing economic uncertainty, banks can no longer rely on outdated, one-size-fits-all overdraft programs or legacy small-dollar loan offerings. Yet many institutions are still using ad hoc or legacy systems that lack transparency, adaptability and actionable insight.

The evolution of banking and risk management over the past few decades has been nothing short of remarkable. From paper-ledger loan reviews to digital spreadsheets and now to artificial intelligence, each leap has brought efficiencies that reshape how financial institutions assess credit risk.

CBA invites community bankers, directors, employees, associate members, family and friends to join us for an unforgettable journey to tropical islands throughout the Caribbean. This “All-Inclusive at Sea” adventure is the perfect opportunity to relax in the sun while also networking with banking professionals.

We are suddenly mid-decade of the 2020s, and if there’s a recurring theme, it’s “anomaly.” First, record low yields and rates. (Remember the 10-year treasury note hitting 0.55% in July 2020?) Then, record rate hikes of 525 basis points concentrated in a torturous 16-month window, followed by the longest-ever inverted yield curve of well over two years that finally corrected last September. It’s been the wild, wild West in terms of portfolio management.