Community Capital Technology | CCT

Happy New Year from the entire Community Capital Technology | CCT Team! With the arrival of a new year, we are filled with gratitude for our incredible partners, investors, and advisors as well as our vibrant community of marketplace members across the financial institution landscape. Your collaboration and trust have turned 2024 into a year of exceptional growth and innovation, and we are eager to carry that momentum forward. Together, we will continue to deliver cutting-edge solutions, foster strong relationships, and work hard to drive meaningful impact across the community banking industry. Here’s to a 2025 filled with opportunity, collaboration, and success! #HappyNewYear #Partnerships #Growth #Gratitude

In today's highly competitive banking landscape, leveraging technology innovation is no longer optional—it's the key to long term survival. Our CEO, Garrett Smith, shares insights with Bank Director on how artificial intelligence (AI) is rapidly reshaping loan portfolio management for financial institutions and how banks should think about starting their AI journey. From streamlining decision-making to uncovering hidden opportunities, AI is a powerful tool that can empower banks of all sizes to more efficiently optimize their loan portfolios, mitigate risks, and uncover growth opportunities. But fully realizing AI's enormous potential requires strategic commitment, good data, and organizational discipline. 💡Read "Harnessing AI in Loan Portfolio Management" here: https://lnkd.in/ezjDnR-m At Community Capital Technology | CCT Capital, we are passionate about bringing cutting-edge technology to the forefront of the loan market. Let's discuss how our marketplace platform can enhance your institution's loan portfolio management! #AI #LoanPortfolioManagement #BankingInnovation #CommunityCapital #Fintech #LoanMarketplace

CSI's ongoing implementation of technology and forward-thinking creativity make us proud to be their partner powering the CSI Loan Marketplace. Their ecosystem of innovative technology solutions and partnerships address a broad range of bank and bank customers' needs. As CSI's community and regional financial institutions seek to grow revenue and retain account holders, financial wellness products and holistic financial guidance have proven to drive engagement. As highlighted in this recent announcement, one of the ways CSI has been helping their bank's achieve this is through the launch of My Credit Manager - a fully integrated solution that streamlines the credit management process for account holders—including credit scoring, reporting and analytics. A great case study in how technology can be transformative for banks and their customers alike! ➡️ To learn more about how the CSI Loan Marketplace can provide your bank with better, more reliable and efficient loan market access and loan participation/trade execution, contact us at info@csiloanmarketplace.com or DM, Jennifer M. Walker or Kacy Pendergrass from our CSI Loan Marketplace Team! #BankInnovation #FintechPartnerships #LoanMarketplace #CommunityBanking #Lending

The U.S. office market, a $3 trillion of the $20 trillion commercial real estate lending sector, is finally showing signs of stability. With declining vacancy rates and lower interest expenses, banks holding large office CRE portfolios are starting to report improved credit quality — a positive shift from the challenges brought by the pandemic. This stabilization is not only a boost to bank balance sheets, but also opens opportunities for secondary market activity. With the improved credit quality, the Community Capital Technology | CCT Loan Marketplace is already seeing a significant increase in deal activity and interest in CRE loan sales and participations nationwide. Whether your institution is looking to buy, sell, and participate in loan transactions, our Marketplace is a powerful solution that provides much broader market access and more efficient deal execution. But that’s not all. We also connect financial institutions with brand-new lending opportunities across CRE, C&I, and specialty sectors, enabling our member banks to win new clients and build stronger relationships with local businesses and communities. ➡️ To learn more about how our Marketplace can provide you with better, more reliable and efficient market access and loan participation/trade execution, contact us at info@communityct.com or DM, Natalie Schneider from our CCT Transactions Team. Explore the full article for additional insights: https://lnkd.in/deaNxkwt #CRE #CommercialRealEstate #LoanMarketplace #BankingInnovation #CommunityCapital

The recent election of President Donald Trump is poised to significantly impact the banking sector. Anticipated regulatory changes under the new administration include the easing of capital requirements and streamlining of merger approvals, which could enhance lending capabilities and drive loan growth. The plans to extend the Tax Cuts and Jobs Act, potentially lowering business tax rates to 20%, is also expected to stimulate economic activity, encouraging businesses to pursue new growth and development initiatives. These developments suggest a more favorable environment for financial institutions overall, with increased opportunities for expansion and profitability. As financial institutions seek to more actively manage their balance sheets, the Community Capital Technology | CCT Loan Marketplace is a powerful solution for institutions seeking to find new opportunities to buy, sell or participate in loans. In addition to secondary market access, our marketplace also provides connectivity to new commercial loan originations (CRE, C&I, Specialty, etc.), allowing banks to directly source brand new lending and relationship opportunities for area businesses and their owners. ➡ To learn more about how our solution may support your financial institution's balance sheet strategy heading into 2025 and beyond, reach out to our Head of Transactions, Gregory Shore directly, or email us at: info@communityct.com to start the conversation! #Banking #RiskManagement #BankingInnovation #BalanceSheetManagement #LoanMarketplace https://lnkd.in/eWSN-Ubs

The Federal Reserve Bank of New York released an insightful analysis on the U.S. commercial real estate (CRE) market, shedding light on the "extend-and-pretend" approach used by some banks post-pandemic. Here are the key takeaways from "Extend-and-Pretend in the U.S. CRE Market” (by the NY Fed's Matteo Crosignani and Saketh Prazad): ►  Extend-and-Pretend Dynamics Many banks, to avoid recognizing losses on distressed CRE loans, have resorted to extending loan maturities and understating credit risks. While this strategy temporarily protects capital, it comes at the cost of misallocated credit and heightened financial fragility. ► Reduction in New CRE Lending The focus on extending distressed loans has led to a significant 4.8-5.3% reduction in new CRE mortgage originations since early 2022. This credit misallocation has left businesses and developers without the funding needed to adapt to changing market conditions. ► Maturity Wall A growing volume of CRE loans—a staggering 27% of bank capital as of Q4 '23—is set to mature in the near term. This "maturity wall" poses a serious risk of concentrated losses hitting at once, potentially amplifying financial instability. ► Impact on Financial Stability The delayed recognition of losses slows the reallocation of capital needed to support market shifts, like the conversion of vacant office spaces into residential or mixed-use developments. Without proactive intervention, the risks could trigger broader economic fragility. This report underscores the urgent need for banks and the financial system to adopt a more assertive approach to managing CRE portfolios. 💡Strategies for banks to consider to help navigate the evolving CRE landscape, ensure resilience, and contribute to broader market stability:  ◆ Acknowledge the Cracks: Accelerate the recognition of distressed loans and ensure transparent reporting. Ignoring these issues delays the inevitable and compounds risks.  ◆ Diversify & Reallocate: Focus on diversifying loan portfolios and reallocating capital toward viable, income-generating projects. Including exploring redevelopment opportunities for struggling properties—such as converting underutilized office spaces into residential units.  ◆ Leverage New Solutions: Tools like Community Capital Technology | CCT's loan marketplace can play a key role in efficiently managing CRE challenges. Our platform enables banks to offload distressed loans, connect with a broader network of buyers, and rebalance portfolios to mitigate concentration risks. As you're developing your institution’s CRE loan portfolio strategy for 2025 and beyond, let’s connect. Reach out to our Head of Transactions, Gregory Shore directly, or email our team at info@communityct.com to start the conversation. #Banking #RiskManagement #CommercialRealEstate #BankingInnovation #BalanceSheetManagement #CREMarketTrends #LoanMarketplace https://lnkd.in/ejQF3GYa

Jennifer M. Walker & Natalie Schneider from our Community Capital Technology | CCT team had a great time connecting with bankers at the Cornerstone Capital Bank Open House in Plano, TX yesterday. The team caught up with current Independent Bankers Association of Texas Loan Marketplace user Zane Smith (American Bank, N.A.), Jay James (b1BANK) and Dana Adams (High Tide Partners)! Special shout out to Cornerstone's Brook Alan Silvestri for inviting us to this terrific event. Thanks to the Cornerstone crew for a fun Happy Hour and afternoon of networking! #communitybanks #lending #networking #partnerships #fintech

Incredible first day at KBW’s Annual Fintech Conference in New York. Community Capital Technology | CCT's CEO Garrett Smith had the pleasure of connecting with KBW's Matthew Schneider, CPA, Joseph Berry & Keith Meyers, along with other industry leaders, investors, entrepreneurs, and visionaries from across the financial services and fintech landscape. Huge thanks to KBW for hosting such a powerful event—it's energizing to be part of a gathering of so many of the innovators that are on the frontlines of shaping the future. #fintechinnovation #fintechfuture

Opening Day here in Fredericksburg, Texas at FedFis's annual #TheRoundup 🤠! Excited to connect with industry leaders, innovators, and community bankers who are championing #TruthinBanking. Speaking of community bank industry leaders, innovators and champions... Christopher Williston VI, CAE (Independent Bankers Association of Texas) & Matthew Smith (Bankers Helping Bankers) are at the very top of the list. From #CommunityBanking insights to #FinTechInnovation discussions, Garrett Smith is eager to learn and share with this passionate, committed group as we explore the banking and financial services landscape. Looking forward to a great event with inspiring conversations and breakthrough ideas that help unlock a strong, vibrant future for #CommunityBanks! #CommunityBanking #InnovationInBanking #FinTech #2SmithsRBetter

Garrett Smith is fired up for next week’s #TheRoundup in Fredericksburg, Texas! Hosted by FedFis, this event stands out as a must-attend on the banking and fintech landscape, offering a unique chance for meaningful, one-on-one conversations with bankers. It’s all about real insights, real data, and real camaraderie. Huge shoutout to the FedFis team and the Mayos (Dave Mayo, Tanner Mayo, Sean Mayo) for setting the bar higher every year – they know how to bring the industry together in the best way! 🤠 Can't wait to see everyone and talk about the Loan Marketplace! #BankingEvents #FedFis #CommunityBanking #FinTech #Innovation