Michael A. Dill

Could you use up to $750 for your business? You’ve got it—when you open an Associated Bank business checking account! Follow these simple steps and get growing now! http://spr.ly/6040e8Tso

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Track spending. Grow your savings. Set up financial goals. Money Monitor and Actionable Insights empower you to be a better boss of your finances—and they’re now part of Associated Bank Digital. Have you tried it yet? Learn more: http://spr.ly/6041Sfnlt

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You give your business your all. We understand that. That’s why you can count on Associated Bank to get your business growing in the right direction, with a local focus. You’ve got this. Because I’ve got you. http://spr.ly/6043jxlxl

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Residential building activity is up over last year but commercial is behind. Read the article below. Good article by SiouxFalls.Business. I’d recommend following if you want to stay in the know. #siouxfallsbuilding #sdmortgagelender

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You give your business your all. We understand that. That’s why you can count on Associated Bank to get your business growing in the right direction, with a local focus. You’ve got this. Because I’ve got you. http://spr.ly/6046ivJqG

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You give your business your all. We understand that. That’s why you can count on Associated Bank to get your business growing in the right direction, with a local focus. You’ve got this. Because I’ve got you. http://spr.ly/6048gpZTa

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Credit unions make you an owner, not just a customer. With a membership share, you get a voice and vote in how things are run. Credit unions put people and community first! #MemberOwned #CreditUnion

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Could your business banking use a restart? Maybe you’ve outgrown your current account. Or your big-name bank falls short when it comes to local know-how. Let’s talk about how Associated Bank delivers the best of both worlds—big-bank solutions with Midwestern sensibilities. http://spr.ly/6043iQYD5

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This is an entry level course for anyone looking to get a better understanding of financial statement analysis. 💲📝🏦🤵‍♀🤵‍♂ The Risk Management Association - Minnesota Chapter offers Formal Credit Training classes and various events designed to enhance your risk management skills. Check it out! 👏🏻 #rma #banking #finance #riskmanagement #credit

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“As a privately owned bank, MidFirst truly aligns with its customers, employees and communities to create long-term value, without the pressure publicly traded banks face in managing quarterly earnings.” This sets us apart from other banks because it allows us to truly align with our customers, employees, and communities for the long term. #communitybanking #truetoyou #relationshipbanking #midfirstbank

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In-Branch vs Digital Lending: Comparison, Benefits, and Balance - Discover the benefits and strategies to maximize both in-branch and digital lending to make informed decisions for your credit union and members. https://hubs.ly/Q02tmkvd0

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There’s never been a better time to lower your mortgage payments. Call me today to start saving with a refi.

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It has always been about the customer for me. No matter the size of the business, there is a reason to have your Treasury Consultant a part of your business's success. Sharing what others are doing within your industry, how to reduce DSO, or extend your days payable, we are able to partner with you and your business for success.

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Looking at my credit score today available on our First Savings Bank, Indiana Consumer App. Here is what drives it, as detailed on the app: 40% Payment History of on time payments 23% Credit Usage- % of available balance utilized- lower is better 11% Account Mix-type of account- mortgage, credit card, car loans 21% Account age- newer accounts reduce your score, average age and oldest trade line matter 5% Credit inquiries in the last 24 months- fewer is better I keep all three credit bureaus frozen. You can easily unfreeze or "thaw" your Bureau if you need to pull credit, then replace it.

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It's tough to be small in the banking and credit union world. Whether it's a small bank, a small credit union, or a small business; small is getting leaner? What does it mean to you, your job, your career, your company? The merger craze is something we've come to expect in banking? Credit unions are merging at a record pace now too (see post in comments below). There are now 437 credit unions over $1 Billion in assets in 2023 (see article in comments) and there are 4,994 credit unions in the US (their numbers fell below 5,000 in 2023 IBIS article in comments). The majority of banks and credit unions acquired are under $1 Billion in assets (see PCCB article in comments). Now let's look at small businesses in general, "59% of small businesses reported being in fair or poor financial condition" (Forbes article in comments). "Small businesses created 17.3 million net new jobs between 1995 and 2021, accounting for 62.7% of net new jobs created since 1995, according to data from the Bureau of Labor Statistics[3]."(See Nerdwallet article in comments) The job market is going to have larger swings as the number of small banks, small credit unions, small businesses decline? As you make job, career, and company plans be ready for bigger swings in the economy and hiring? #bankingindustry #banking #banks #bank #creditunions #creditunion #job #careerplanning #career #hiring

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Education is essential, regardless of your level within a credit union. Many VPs and Chief Lending Officers have never received basic training on call report analysis or transforming numbers into a strategic roadmap. For lenders, the training provided is more focused on the selling of products and loans. No matter the type of education, it’s an essential foundation for credit union success… And one of our top priorities at ASG RESULTS.

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Monday night banking thoughts: be careful mailing checks. Fraudsters have been know to search mailboxes to steal checks, ‘wash’ them to make themselves payee and steal the money. There are plenty of places in the process where a vigilant banker will catch this and save you from losing your money, however consider asking your banker for help selecting the best way to pay your bills. And if you don’t have a banker, DM me and I will connect you with a good one! #fsb1879 #banking #fraud

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It’s good to know that many business owners are optimistic about the future! (despite recent challenges) Here is Huntington Bank's latest survey that shows that plans for growth, digital transformation, and cost-cutting are top priorities. These insights from our experts highlight how businesses can navigate economic turbulence and prepare for successful transitions. Stay competitive and thrive!! #BusinessGrowth #DigitalTransformation #EconomicOutlook #HuntingtonBank

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Are you just embarking on your wealth journey or finally transitioning into the golden years of retirement? At Associated Bank Private Wealth, we can guide you through strategies like tax planning, wealth transfers and everything in between—all designed to reflect your unique goals. Let’s create a plan together. http://spr.ly/6040SGY4r

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