Financial Institutions

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Blog

How Banks Should Prepare for HMDA Changes

In September, the Consumer Financial Protection Bureau (CFPB) issued its final ruling on an amendment to Regulation B of the Home Mortgage Disclosure Act (HMDA). It also noted its intent...

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Blog

Regulators are Striving to Ease Capital Rules for Small Banks

“Regulation is killing community banks.” Treasury Secretary Stephen Mnuchin In March, regulators announced that they would launch an effort to ease capital rules for smaller institutions. In June, a Treasury...

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Blog

Is Your Bank Winning at Customer Experience in the Digital Economy?

As every football fan knows, the "hurry-up offense" is a staple in many playbooks. (For those of you unfamiliar with the term, in a “hurry-up offense,” the offense tries to...

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Blog

3 Ways the New iPhone X Will Change Consumer Banking

After much anticipation, Apple has announced its iPhone X. As is so often the case with new Apple company releases, the newest generation brings more than just an updated device...

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Blog

2 Reasons Your Bank Should Have Already Begun CECL Implementation

As banks navigate through their CECL implementation, many are experiencing challenges and uncertainties along the way. Since last summer when the new standard was announced, we’ve advised banks to get...

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Blog

4 Steps to Help Millennials Build Wealth and Security

As the adage says, one of the surest ways to combat fear is to confront it head on. Financial anxiety is one of those fears. For 85% of adults, concerns...

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Blog

Weighing the Risks and Benefits of ESOP

True to its name, an employee stock ownership plan (ESOP) is a type of employee benefit plan, similar in some ways to a profit-sharing setup. The National Center for Employee Ownership (NCEO)...

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Blog

What Banks Need to Understand About Blockchain

The world around us is in a constant state of change and moving at a pace that has never been seen before. Adaptation is vital to remain relevant in this...

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Blog

What Banks Need to Know About the AICPA Cyber SOC

For organizations of every kind, data breach incidents are "when"—not "if" events. Especially for business entities (like banks) that manage clients’ private information, building vigilance against threat actors, unintentional compromises,...

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Article

Prepared for the New Lease Standards?

Only 10% of finance and accounting professionals believe their companies are prepared to comply with the new lease accounting standards. Here are three initiatives you can begin now to ensure your company is ready.

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Chart Your Course to the New Revenue Recognition Standard

This outline provides an overview of the steps needed to ensure a smooth transition to the new standard. HORNE’s Financial Institutions group can guide you with strategic insights and training.

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Blog

Looming Regulations Require Immediate Attention

After attending the Public Company Accounting Oversight Board’s (PCAOB) Forum on Auditing in the Small Business Environment, our HORNE Financial Institutions team was reminded of future certainties that require immediate...

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Whitepaper

A Step-by-Step Guide to CECL Implementation

The new allowance for loan losses standard (ASU 2016-13) known as CECL (Current Expected Credit Losses) is here. Download our E-book A Step-by-Step Guide to CECL Implementation and check out our resources to help prepare your institution for a successful implementation.

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Infographic

8 Steps to Effective CECL Implementation

Here are 8 steps to gain insights into your financial institution’s loan portfolio and risks through effective CECL implementation.

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Video

CECL: Turn Compliance Into Opportunity Webinar

The new allowance for loan losses standard (ASU 2016-13) known as CECL (Current Expected Credit Losses) is here and implementation is underway. How is your business turning the compliance burden into an opportunity? 

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Video

ALTA Best Practices

Watch the webinar on ALTA Best Practices and Certification for Title and Settlement Attorneys.

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Video

Charting the Course for Intelligent Growth

This journey starts with exploring your niche/identity and building a thoughtful vision around who you want to be in the future.

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Whitepaper

New Exempt Employee Rule

The Dept. of Labor projects this new ruling will cost employers an estimated $12 billion over the next 10 years. 

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Blog

An Inside Look at the Millennial Banker’s Ideal Branch

By 2020, Millennials will account for $1.4 trillion in spending. To remain relevant as they gain more and more traction, community banks have to reconsider every piece of the branch model, starting with three priorities.

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Video

The Decision To Go Public Webinar

HORNE banking specialists discuss critical factors for ensuring a successful IPO.

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Blog

Winning With Big Data

Data is more prevalent than ever, but according to a report from EMC and Forrester Research organizations are just starting to scratch the surface with only utilizing less than 5% of their available information.

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Whitepaper

Basel III Overview and Implementation Tips

Are you up to date on the impact of Basel III?

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Whitepaper

Utilizing the Compliance Management System

Two key issues that federal regulators continue to focus on (and have been the point of reference for breakdowns causing violations) during examinations are compliance management systems (CMS) and vendor management oversight.

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Video

Financial Institutions CyberSecurity Webcast

Know your risk. Do you have the cybersecurity skill set to secure your bank?

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Video

Mergers and Acquisitions Webinar

Profit at the meeting point - M&A from the buyer and seller perspective.

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Video

Banking on the Future 2015

Are you prepared to take advantage of opportunities in 2015?

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Video

Initial Public Offering Webinar

Know how to secure asset growth during an IPO consideration?