In recent years, businesses have faced an unsettling reality: fraud is on the rise. Nearly 70% of companies report an uptick in fraud losses, driven by increasingly sophisticated schemes like identity theft, invoice fraud, and phishing attacks. As these threats grow, the need for stronger financial...

Cutting-edge marketing automation for small businesses is no longer a futuristic concept; it’s a smart investment that can significantly increase ROI. By handling tedious but essential tasks with pinpoint precision, these tools streamline operations, free up valuable time for strategic planning, and...

The holiday season is a time for giving, and for many, it’s an opportunity to make a difference while also reaping financial benefits through charitable tax deductions. Strategic charitable giving can help individuals maximize both their contributions to important causes and their tax savings. Here...

The construction industry is one of the most capital-intensive sectors, demanding robust cash flow to manage high upfront costs and sustain large-scale projects from initiation to completion. Managing cash flow effectively is crucial for the survival and growth of construction firms, as it ensures...

Fraud is a constant threat in today's fast-paced, interconnected world. Each year, individuals and organizations are hit with schemes that can cause devastating financial loss. International Fraud Awareness Week, spearheaded by the Association of Certified Fraud Examiners (ACFE), provides an...

With the United States’ freight and logistics market reaching an estimated $1.33 trillion in 2024, the pressure to secure contracts has never been higher. Given the fierce competition, leveling up your approach to freight shipping bids can mean the difference between being overlooked and closing the...

The holiday season is a time of joy and celebration, but it can also put a significant strain on your finances if not properly managed. As holiday expenses continue to rise each year, effective budgeting and smart digital spending are essential to maintaining financial health. Ready to learn how to...

As we step into October, it’s the perfect time to ramp up our efforts in safeguarding our digital lives. Cybersecurity Awareness Month is more than just a reminder—it's a call to action for each of us to play a vital role in securing our online world. This year’s theme, set by the Cybersecurity and...

New Mexico Bank & Trust, a division of HTLF Bank, Announces $100,000 Donation to Support Four Local Non-Profits Albuquerque, NM – September 5, 2024 – New Mexico Bank & Trust, a division of HTLF Bank (Heartland Financial USA, Inc., NASDAQ: HTLF), is proud to announce a donation of $100,000 to be...

Numerous obstacles can get in the way of a retailer’s cash flow management: seasonal spikes and dips in demand, inventory management needs, payment processing inefficiencies, cash reserve complications. While 62% of retailers say they’re comfortable with their cash flow, this is lower than other...

Expectations for the future of the economy were for slower growth over the next six months due to uncertainty around the upcoming election, domestic policy, geopolitical conflict and inflation. As your local bank, we look forward to providing insight and helping decision makers manage their...

When you own a home, it’s all too easy for fall and winter to sneak up on you. From burst pipes to unexpected heating failures, being unprepared can turn minor issues into costly repairs and sky-high energy bills. In fact, American homeowners pay an average of $3,497 annually to fix weather-related...