Pinion Insights: Posts from category

Strategic Advisory

Navigating HUD Lending: A Guide for Banks

By Pinion Editorial | September 6, 2024
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Reading Time: 3 minutes
The U.S. Department of Housing and Urban Development (HUD) plays a crucial role in expanding access to affordable housing. By providing federal support and insurance for home loans, HUD helps lower the risk that lenders face when borrowers default on their mortgages. Banks that get involved with HUD lending can …

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What’s New in Kansas Taxes for 2024?

By Pinion Editorial | July 25, 2024
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Reading Time: 2 minutes
On June 21, 2024, Kansas Governor Laura Kelly signed into law Senate Bill 1 (SB 1), which includes a reduction in income tax rates for Kansas Privilege Tax, effective with the 2024 tax year. If you’re a financial institution calculating income tax provisions or recording deferred taxes (including those on …

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Beyond $500 Million: A Guide to FDICIA Compliance for Banks

By Pinion Editorial | July 25, 2024
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Reading Time: 4 minutes
Is your financial institution nearing the $500 million asset threshold? If so, you’ll need to navigate new regulations, particularly those mandated by the Federal Deposit Insurance Corporation Improvement Act (FDICIA).   Regardless of what is driving your growth, crafting a robust plan for FDICIA compliance is essential. Pinion advisors have outlined …

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Navigating High Interest Rates in 2024

By Pinion Editorial | February 23, 2024
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Reading Time: 3 minutes
After nearly two years of rising interest rates, many farmers are tapping into their cash reserves from prosperous years to avoid taking out new loans. The Federal Reserve Bank of Kansas City reports that lending has softened with the amount of farm operating loans over $1 million dropping notably and …

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Amazon + Whole Foods = Pricing Adjustments?

What Kind of Farm Co-op Do You Want to Be?

By Pinion Editorial | February 8, 2024
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Reading Time: 3 minutes
Farmers need three key things for their business: the best price, the best quality, and the best service. All of these come at a cost to an Ag cooperative, and it can be especially challenging to maintain a strong margin to stay profitable and able to serve your customers in …

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3 Ways to Unlock Wealth in Your Privately Held Business

By Pinion Editorial | November 30, 2023
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Reading Time: 3 minutes
A quick Google search for “how to increase business wealth” will yield thousands of ideas. Some are worth as much as they cost, some promise quick, overnight results, and yet, some truly hold their weight. Pinion strategic advisors work with business owners every day to help drive profits, manage risk, …

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Manage Your Top 3 Farm Risks

By Pinion Editorial | August 29, 2023
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Reading Time: 2 minutes
Farming is a risky business. With changing policies, weather events, global dynamics, and other factors beyond a farmer’s control, it feels less and less predictable each year. While market volatility has been part of agriculture for decades, today’s commodity prices react even more quickly to the influences of a world …

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How to Increase Your Profitability This Harvest Season

4 Smart Business Moves for Farms in 2023

By Pinion Editorial | December 13, 2022
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Reading Time: 2 minutes
With planting and input decisions already heavy on their minds, ag businesses are asking how they should manage their decisions around raised input costs and higher interest rates – and a potentially challenging year ahead.  Pinion ag advisor, Kala Jenkins, outlines four smart risk management and business moves that can …

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