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Community banks face a unique challenge: how to embrace technological innovation while preserving the personalized service and community connections that have long been their competitive advantage. At GNA Advisors, we’re helping financial institutions navigate this balance, leveraging our deep understanding of both banking traditions and technological transformation. The Technology Imperative Community banks can no longer view technology as optional. Digital transformation has become essential for survival in an increasingly competitive environment where customers expect seamless, frictionless experiences across all channels. Key technological imperatives include: Digital Banking Platforms: Today’s customers expect robust mobile and online capabilities that allow them to conduct […]

Financial institutions face unprecedented challenges. From navigating technological disruption to managing regulatory compliance, banks need advisors who truly understand their world. At GNA, our tagline – "Bank Management Consulting: By Bankers, For Bankers" – isn't just a marketing phrase. It's the core philosophy that drives our approach to…

Anyone else humming Jimmy Buffett? Well, that likelihood, like so many things, depends on your age. While the Boomers and Gen X may recognize the title to a 70's hit, I've already lost the Gen Zs with the title. It's hard to engage everyone with the same message.…

The Office of the Comptroller of the Currency (OCC) released its Semiannual Risk Perspective Report, which features expert analysis of data collected through March 31, 2018. The report presents data in five main areas: the operating environment, bank performance, special topics in emerging risk, trends in key risks,…

Effectively managing interest rate risk (IRR) is one of the most important and most challenging issues facing banks today. A shift in rates can compress margins and threaten the health of a bank's balance sheet. Having a system that monitors and measures your potential exposure can limit interest…

Community banks are recommended to stress test for credit risks in their loan portfolios, especially if you have significant commercial real estate concentrations. If your bank fails to do so at least annually, it is putting itself at risk of experiencing adverse outcomes. Although only required for large…