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...

Gone are the days when shoppers would buy a product based solely on appearance, practicality, or price. While these factors still matter, more and more are driven by purpose, with 82% of U.S. consumers preferring to support brands that reflect their personal values and beliefs. This embrace of...

Data protection and privacy goes beyond just knowing the risks—it's about taking actionable steps to safeguard your information and finances. While understanding the threats of data breaches and identity theft is crucial, implementing best practices is equally important to prevent these risks from...

Regardless of where you are in your personal or professional journey, building a nest egg is key for long-term goals, whether that’s buying a home, retiring comfortably, or funding a child's education. Promotional savings rates can make saving even more rewarding. We have competitive promotional...

Given the rising concerns over inflation, dwindling personal savings, and perceived instability in the job market, recent surveys have found that consumers plan to reduce their spending on nonessential goods and services. This shift in consumer behavior necessitates that retailers reevaluate their...

By: Paul Dickson, Director of Research and Giri Krishnan, Senior Portfolio Manager Is the check engine light flickering? Economic data has become more mixed with signs of both growth and fragility. If the Fed wants to engineer a “soft-landing,” or perhaps even the elusive “no-landing” scenario we...

It may not always be top of mind, but protecting your personal data is essential to also protecting your money. Data privacy is the practice of keeping digital information protected from unauthorized access—both for individuals and businesses. Personally identifiable information (PII) like Social...