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Smart Strategies for Building Profitable Branches in Low-Income Communities

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Choosing the right location for a branch is a big decision for any bank or credit union. It’s about more than just convenience—branches are a way to connect with the community, support local needs, and, for banks, meet CRA requirements. But opening and maintaining a branch in low-income neighborhoods can be tough. It’s often difficult to make a branch profitable in these areas, even though the need for access to financial services is high.

 

Join us on November 21st at 12 pm CT to hear from Steven Reider at Bancography. In this webinar, Steven will explore branch service models that make a real difference in lower-income communities, both in cities and rural areas. Discover practical approaches to building branches that serve not only as places to bank, but as spaces that spark local investment and community involvement. Whether you're with a bank or credit union, you'll leave with tools and insights to help you create branches that work financially and foster stronger, more connected communities.

 

The ABA has approved this webinar for 1.25 CERP, CFMP, and CRCM credits.

 

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Steven Reider

Bancography



Archived Webinars


Q&A Webinar with Len Suzio and Linda Ezuka

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September’s webinar on Assessment Areas was so popular that our panelists didn’t get a chance to address all the questions asked. To make up for it, we held a Q&A webina with CRA Experts Len Suzio and Linda Ezuka (thanks for joining, Linda!).

 

You don’t necessarily need to watch the original webinar to benefit from this one, but you can watch the recording if you’d like to catch up. 

 

The ABA has approved this webinar for 1.25 CERP, CFMP, and CRCM credits.

Q&A Webinar with Len Suzio and Linda Ezuka
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Linda Ezuka

Owner, CRA Today

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Len Suzio

President, GeoDataVision

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Closing the Gaps: How to Identify Lending Gaps and What to Do Once You’ve Found Them

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Every CRA Officer will face lending gaps at one point or another. When your institution’s lending falls below market standards, you need to take action. But just because you know what a lending gap is doesn’t mean you know what to do once you’ve found one.

 

Watch this webinar with CRA expert Linda Ezuka to learn how to identify and address lending gaps under the Community Reinvestment Act (CRA). You’ll learn how to compare your bank's lending activity with that of your peers, how to analyze your bank’s CRA performance, and what to do when you inevitably find a gap. 

 

With CRA regulatory change on the horizon, it's more important than ever to understand your bank’s lending performance, identify gaps, and take actionable steps to improve. While this webinar is aimed at those who already have a basic understanding of lending gaps and their importance, even CRA newbies can benefit from this topic. 

 

The ABA has approved this webinar for 1.25 CERP, CFMP, and CRCM credits.

Closing the Gaps: How to Identify Lending Gaps and What to Do Once You’ve Found Them
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Linda Ezuka

Owner, CRA Today

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Inside the Mind of a Compliance Professional: How to Remain Compliant in an Evolving World and Tackle Account Growth Challenges

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Let’s face it: compliance isn’t getting any easier. The more you think you know, the more you realize that you haven’t even scratched the surface. For Compliance Officers, raising awareness and keeping your financial institution on track is a challenge. 

 

Watch this webinar to hear from Kasasa’s Chief Compliance Officer, Patrick Laughlin. Kasasa is a financial technology company that provides innovative products and services to attract and retain your customers, all in a fully compliant manner.  

 

During this webinar, we discuss industry trends, how to deal with economic pressures, how to solve growth challenges, and what investments community financial institutions are making in compliance. We also go “inside the mind” of a compliance professional to learn what they think about their job, their leaders, their colleagues, and the support they receive from their organizations. What you’ll learn will surprise you.  

 

The ABA has approved this webinar for 1.25 CERP, CFMP, CRCM, and CAFP credits.

Inside the Mind of a Compliance Professional: How to Remain Compliant in an Evolving World and Tackle Account Growth Challenges
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Patrick Laughlin

Chief Compliance Officer

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How to Properly Delineate Your CRA Assessment Area(s) Under the Current and Future CRA Regulations

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Every CRA professional knows that choosing your Assessment Area(s) is one of the most important decisions you make related to CRA, and can be difficult given the many factors an institution should consider. What are the rules? What options do I have? Did I choose the right areas? Now what data do I need to track? How often should I review my Assessment Area(s) configuration? Throw questions about the upcoming (although paused) CRA rule in there and it becomes even more complicated.

 

Watch this insightful webinar by CRA experts Len and Josh Suzio from GeoDataVision. They cover the rules and best practices for choosing and tracking Assessment Areas under the current CRA rule, as well as how transitioning from the old to the new rule might affect you (specifically in regards to “Facility Based Assessment Areas” and the two new types of CRA Assessment Areas, "Retailing Lending Assessment Areas" and "Outside Retail Lending Assessment Areas").

 

Whether you're familiar with the current CRA rules or just getting started, this webinar will provide essential insights and practical tips to ensure your institution is well-equipped to choose and track your Assessment Areas. 

 

The ABA has approved this webinar for 1.25 CERP, CFMP, and CRCM credits.

How to Properly Delineate Your CRA Assessment Area(s) Under the Current and Future CRA Regulations
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Len Suzio

President, GeoDataVision

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Josh Suzio

Vice President, GeoDataVision

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Bridging the Gap: How to Help CDFIs Empower Underserved Communities

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Community Development Financial Institutions (CDFIs) do a lot for their communities. While larger institutions might have a bigger dollar impact, CDFIs specialize in building relationships and working with minority groups to make a difference. That’s why it makes sense to partner with and support the CDFIs in your community. You have the dollars and the team; CDFIs have the relationships and the dream.

 

There are many ways to partner with CDFIs, including making community development loans or equity equivalent investments. Banks can also purchase microloans from CDFIs, which provides liquidity for lending and helps the bank reach its CRA lending goals. Making a deposit at another financial institution may sound counterintuitive, but there are many benefits, including potential CRA credit.  

 

Watch this webinar to hear from Scale Link panelists on supporting the CDFIs in your community and giving back in ways you may not have considered. You’ll learn why supporting CDFIs is crucial, how to do so through microdeposits (under $50,000), and how these deposits can lead to CRA credit.

 

If your institution has ever considered partnering with a CDFI, or even if you’ve never thought about it but wonder how it might look, you don’t want to miss this!

 

The ABA has approved this webinar for 1.25 CFMP and CRCM credits.

Bridging the Gap: How to Help CDFIs Empower Underserved Communities
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Jonathan Brereton

CFO, Scale Link

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Charlie Probus

Business Development Manager, Scale Link

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Want to Grow Your Financial Literacy Program? Learn From the Best Programs in the Country (2024)

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It’s that time of year again. Cyprus Credit Union, American State Bank, and TRUE Community Credit Union were crowned the 2024 best financial literacy programs in the country. So what makes them so great? Watch this panel webinar to learn what helped build their programs and some of the challenges they’ve had to overcome along the way. You’ll learn how to become a financial literacy master, as well as some tips and tricks for building your program and some things to avoid. If your institution is dedicated to bringing financial education to your community members, you don’t want to miss this. 

 

The ABA has approved this webinar for 1.25 CFMP credits.

Want to Grow Your Financial Literacy Program? Learn From the Best Programs in the Country (2024)
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Kelly Hatler

Financial Education Manager, TRUE Community CU

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Tim Haugh

CRA Officer, American State Bank

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Lindsay Perry

Community Relations Professional, Cyprus CU

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What Small Banks Need to Know About the Community Reinvestment Act

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This webinar is exclusively for banks with less than $600M in assets and won't discuss concepts applicable to ISBs or large banks. 

 

As a small bank employee, you juggle a lot of responsibilities. Chances are you’re the only CRA/compliance person at the bank, and even if you’re not, you still don’t have the resources you need. Keeping your bank compliant is a big task, but all the training out there seems to be aimed at larger institutions. What works for that $15 billion bank just isn’t going to cut it for your institution. 

 

And when it comes to the Community Reinvestment Act (CRA), there’s not much training available, especially for small banks. We’d like to fix that. 

 

Watch this free webinar to learn what small banks need to know about the CRA. Whether you’ve been in the game for a while or are just starting out, you’ll learn what it takes to run a small bank’s CRA program, how to approach your CRA exam, what the new CRA rule means for you, and more.

 

The ABA has approved this webinar for 1.25 CERP and CRCM credits.

What Small Banks Need to Know About the Community Reinvestment Act
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Linda Ezuka

Owner, CRA Today

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Tips and Tricks for Building A Volunteer Program, Encouraging Employees to Serve, and Reporting Those Hours (Learn From Several Institutions)

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Building a volunteer program and encouraging employees to serve can be difficult. Not to mention reporting those hours and coming up with new ideas. 

 

There are so many benefits to employee volunteerism—including community reputation, CRA credit (if applicable), and employee morale—but getting employees to actually serve is way more difficult than it should be. Everyone is busy, and chances are that volunteering isn’t at the top of your coworkers’ priority lists. It’s up to you to change that and get those volunteer hours rolling in. But where do you even start?

 

Watch this panel webinar featuring several banks and credit unions. Each of these institutions has seen great success when it comes to employee volunteerism, and these panelists are here to share their journeys. 

 

Learn tips and tricks for building your employee volunteer program, encouraging employees to volunteer, and tracking those hours. Whether your institution has an established volunteer program or not, you’re bound to learn something new. 

 

The ABA has approved this webinar for 1.25 CFMP credits.

Tips and Tricks for Building A Volunteer Program, Encouraging Employees to Serve, and Reporting Those Hours (Learn From Several Institutions)
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Trevor Matthews

Compliance Officer, D.L. Evans Bank

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Jillian Balzano

Community Relations Officer, Washington Trust Company

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Andy Wilson

Community Development Officer, Fox Communities CU

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Financial Literacy Isn't Just for April: How to Engage With Your Community All Year Long

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April may be Financial Literacy Month, but for many people, finances are a year-round struggle. Your bank or credit union has the resources to help, and that means supporting your community members all year long. But why is this education so important? And how can you grow an effective program that benefits your community year-round? 

 

Watch this webinar to learn about the benefits of financial education, tips for providing this education year-round, and measuring your program’s ROI (because who doesn’t love a positive investment). We have tips for programs that are just getting started, as well as for those that have been in the game a while.

 

If you’re looking to harness the full potential of your financial literacy program, this webinar is for you. 

 

The ABA has approved this webinar for 1.25 CFMP credits.

Financial Literacy Isn't Just for April: How to Engage With Your Community All Year Long
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Sydney Mayer

Head of Marketing, Zogo

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How the Final CRA Rule Will Impact Your Bank: Misconceptions, Litigation, “Weblining,” and More

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There’s a lot to know about the new CRA rule, and chances are you haven’t had time to read all 1,500 pages (without falling asleep, that is). But it’s crucial to know what’s coming and how it will affect your institution. 

 

Watch this webinar for an exclusive opportunity to hear from renowned CRA experts Ken Thomas and Greg Thomas, President and Partner of Community Development Fund Advisors. During this interactive session, you’ll learn how the final CRA rule will impact your bank. We’ll discuss common misconceptions, pending litigation, and modern-day redlining, aka “weblining.” Plus, learn the key preparation strategies for your bank’s next CRA exam and how to prepare your program for change. 

 

Don’t miss out on this pivotal overview of the new CRA rule.

 

The ABA has approved this webinar for 1.25 CERP, CFMP, and CRCM credits.

How the Final CRA Rule Will Impact Your Bank: Misconceptions, Litigation, “Weblining,” and More
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Ken Thomas

Founder/CEO, Community Development Fund Advisors

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Greg Thomas

Partner, Community Development Fund Advisors

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