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📈 Client Success Story Meet Sarah! She raised her credit score by 100 points in less than six months with our help. Want to know how? Contact us today to start your journey to better credit! #CarBuying #CreditRepair #FinancialFreedom #SmartSpending #CreditTips

📈 Client Success Story Meet Sarah! She raised her credit score by 100 points in less than six months with our help. Want to know how? Contact us today to start your journey to better credit! #CarBuying #CreditRepair #FinancialFreedom #SmartSpending #CreditTips

📈 Client Success Story Meet Sarah! She raised her credit score by 100 points in less than six months with our help. Want to know how? Contact us today to start your journey to better credit! #CarBuying #CreditRepair #FinancialFreedom #SmartSpending #CreditTips

Carver Bank is grateful to all our clients who take the time to share their positive experiences. It is because of our incredible clients that we have been able to provide local residents with a place to save, grow businesses and build wealth, block by block and generation to generation for over 75 years. Where you bank matters! #growwithcarver #savewithcarver #carverbanknyc #communityfirst #communitybanking #bankingforgood #bankingforimpact #clientexperience #customerexperience

Do you remember your last "emergency"? Did you have the money for it or did you have to use credit to get out of it? Wouldn't it have been better if you had the money? Start saving today so you will have the money for the next "emergency"... because there will always be a next time. #communitybank #personalsavings #emergencyspending #banklocal

Check out this testimonial from the Managing Partner at DCA Partners! 

We understand our customers’ businesses – how can we help you? 

Wealth, cash, risk....building wealth and assets is definitely a goal for most, but what about protecting those assets? KeyBank Pearl River with the partnership of local attorneys and our amazing Key Private Client Banker, Pat Linekin, and Advisor Evan Galbraith. Long Term Care, Irrevocable vs Revocable Trusts, Wills....what is best for you?! Come see us at KeyBank Rockland Hudson Valley to get the conversation started! See you there! #protect your wealth #ltc #trusts #rhve #iamkey

I'm sorry I missed this year's San Francisco Business Times Mayors' Economic Forecast, but glad that our fantastic team of Rashell Wright and Maricel Agana could represent Fremont Bank and host our clients. A few observations of Ken Rosen's presentation that Luis J. Flores, one of our Commercial Relationship Specialists, shared with me: * Economy and labor markets surprisingly resilient. Recession not yet evident. * Goods inflation is now negative, service inflation is in the 5% range, year-over-year overall inflation is in 3% to 3.5% range, with more recent data close to the Fed's target. Disruptions in Panama Canal and Suez Canal may pressure goods prices in 2024. * The Fed is done with rate increases and rhetoric has changed from "higher for longer" to "when will FED cut rates?" FED has now indicated they may cut interest rates by 75bps in 2024 and another 75bps in 2025. The market is too far ahead of the Fed, the rally in the long bond has likely overshot. * Real estate credit extremely tight. Floating and fixed rate debt service costs have doubled. Spreads have widened by 100 to 400 basis points. Recent spreads have narrowed by 20 to 50 basis points. * Cap rates up 100 to 150 basis points. Transaction volume down 60% to 70%. * Delinquencies, default, and foreclosures surging, as refinancing extremely difficult, especially for office assets. * Leasing weak for all product types with office extremely poor. * Regulators likely to make stress tests more difficult and focused on real estate and mark to market. Proposed 2% additional capital cushion for institutions with $100 billion or more of assets. Russia/Ukraine and Israel/Hamas wars increase uncertainty of forecasts. #communitybanking

Had an eye-opening networking session today with the incredible Jessicia Myers and Sara Butch from First Federal Bank of Kansas City! 🏦🤝 In the credit union world, we often talk about our "people helping people" philosophy. Today, I discovered that community banks, particularly First Federal Bank of KC, are driven by the same spirit! Key takeaways: - First Federal Bank is run by a board of directors, not shareholders - aligning their focus squarely on community needs. - The parallels between credit unions and community banks in prioritizing people over profits was interesting. - We found common ground not just in finance, but in our personal lives too - swapping stories about kids and sports! Jessicia and Sara, thank you for this enriching exchange. It's heartening to see that whether in credit unions or community banks, the core mission of serving people and communities remains strong. To my network: Have you experienced similar "aha moments" when networking outside your immediate industry? The insights can be game-changing! Learning the 90% - People of All Colors Succeed (POAC Succeed) #CommunityBanking #CreditUnions #NetworkingInsights #PeopleHelpingPeople Jamie Grayson