--- title: News-Updates | Tips & Guides description: Tips & Guides | Whether you're a community bank or credit union, learn how our consistent and smart tools help streamline statement spreading and tracking. --- [Contact Us | 800.248.5550](https://www.fiscalcs.com/contact-us-form/) Monday – Friday, 9:00 – 5:30 ET [![fiscal-forward-logo-reverse-color](https://blog.fiscalcs.com/hs-fs/hubfs/fiscal-forward-logo-reverse-color.png?width=2000&height=938&name=fiscal-forward-logo-reverse-color.png "fiscal-forward-logo-reverse-color")](https://www.fiscalcs.com/) - [SPREADING](https://www.fiscalcs.com/financial-statement-spreading-and-analysis/) - [SPREADING Overview & Features](https://www.fiscalcs.com/financial-statement-spreading-and-analysis/) - [SPREADING Demo](https://www.fiscalcs.com/fiscal-demo-request/) - [FAQs](https://www.fiscalcs.com/faqs/) - [TRACKING](https://www.fiscalcs.com/exception-tickler-tracking/) - [TRACKING Overview & Features](https://www.fiscalcs.com/exception-tickler-tracking/) - [TRACKING Demo](https://www.fiscalcs.com/tracking-demo-request/) - [FAQs](https://www.fiscalcs.com/faqs/) - [About Fiscal](https://www.fiscalcs.com/about-us/) - [About FISCAL](https://www.fiscalcs.com/about-us/) - [The FISCAL Story](https://www.fiscalcs.com/our-story/) - [Testimonials](https://www.fiscalcs.com/testimonials/) - [Support](https://www.fiscalcs.com/support-services/) - [Banks](https://www.fiscalcs.com/solutions-for-community-banks/) - [Credit Unions](https://www.fiscalcs.com/solutions-for-credit-unions/) - [Blog](https://blog.fiscalcs.com/news-updates) - [PRODUCT DEMO](https://www.fiscalcs.com/product-demo/) # News & Updates ## Subscribe here. Enter your email address to get the latest FISCAL updates delivered straight to your inbox. Path 2 ## [![financial spreading reports](https://blog.fiscalcs.com/hubfs/FinancialStatementSpreadingUltimateGuide_blog-1.png) Financial Statement Spreading for Small Business: Your Ultimate Guide August 21, 2023 Small business lending is an essential part of community banking. For local banks and credit unions, lending to entrepreneurs and small businesses in the community helps foster economic development...](https://blog.fiscalcs.com/news-updates/financial-statement-spreading-guide) ## [![Financial Spreading Worksheet with Bank Teller](https://blog.fiscalcs.com/hubfs/Blog%20Images/Bank%20Teller.png) Spreading Financials: Common Mistakes to Avoid July 18, 2023 Community banks and credit unions that lend to small businesses typically have a standard set of practices they use to assess the risk and profitability of potential loans. While there are a number...](https://blog.fiscalcs.com/news-updates/spreading-financials-mistakes) ## [![woman viewing spreadsheets on computer](https://blog.fiscalcs.com/hubfs/Blog%20Images/SixTipsforBankFinancialStatementAnalysisinExcel.png) 6 Tips for Bank Financial Statement Analysis in Excel June 29, 2023 Credit unions and banks that use Excel for financial statement analysis have likely encountered the common pitfalls of the application: overwritten templates, broken formulas, and lack of...](https://blog.fiscalcs.com/news-updates/6-tips-for-bank-financial-statement-analysis-in-excel) ## [![loan spelled on blocks next to cash with woman in the background](https://blog.fiscalcs.com/hubfs/Blog%20Images/LoanRiskAnalysisProcess.png) Optimize Your Loan Risk Analysis Process June 23, 2023](https://blog.fiscalcs.com/news-updates/optimize-your-loan-risk-analysis-process) [Small business lending is a numbers game, but when it comes to managing risk, there are subjective aspects of the process that go beyond the borrower’s cash flow and [debt service coverage ratio](https://blog.fiscalcs.com/news-updates/how-to-quickly-calculate-debt-service-coverage-ratio-guide-for-banks)...](https://blog.fiscalcs.com/news-updates/optimize-your-loan-risk-analysis-process) ## [![computer with a spreadsheet opened up](https://blog.fiscalcs.com/hubfs/Blog%20Images/EssentialExcelFormulasBlog_Fiscal.png) Essential Excel Formulas for Financial Analysts and Underwriting May 18, 2023 Loan analysts use Excel nearly every day. Many learned the formulas, functions, and how to set up spreads on their own, asking colleagues or searching the internet for help. Even with their hands-on...](https://blog.fiscalcs.com/news-updates/essential-excel-formulas-for-financial-analysts-and-underwriting) ## [![woman at computer with screen showing spreadsheet and software](https://blog.fiscalcs.com/hubfs/Blog%20Images/SoftwarevsExcel_Blog_Fiscal.png) Financial Statement Spreading in Excel vs. Software April 26, 2023 Many community banks today manage financial statement spreading using Excel. Others opt for spreading software solutions. Both have their pros and cons, depending on the size of your institution,...](https://blog.fiscalcs.com/news-updates/financial-statement-spreading-in-excel-vs.-software) ## [![Loan Underwriting at a Local Community Bank](https://blog.fiscalcs.com/hubfs/Blog%20Images/Loan%20Underwriting%20Software%20Comparison%20Guide.png) Loan Underwriting Software Comparison Guide April 13, 2023 Not all loan underwriting software is created equal. Just as there are many different kinds of lending institutions, from large commercial banks to small credit unions, there are many software...](https://blog.fiscalcs.com/news-updates/loan-underwriting-software-comparison) ## [![](https://blog.fiscalcs.com/hubfs/Blog%20Images/SwitchToSpreadingSoftware_FISCAL%203.png) When You Should Transition to Financial Spreading Software March 30, 2023 Transitioning to financial spreading software is a big step for community banks and credit unions. Before making the switch, they must consider need, benefits and cost. In our experience, banks and...](https://blog.fiscalcs.com/news-updates/when-you-should-transition-to-financial-spreading-software) ## [![commercial lending software](https://blog.fiscalcs.com/hubfs/Blog%20Images/Insider%20Tips%20for%20Using%20Commercial%20Lending%20Software.png) 5 Insider Tips for Using Commercial Lending Software February 07, 2023 Investing in commercial lending software is a commitment. It takes time and resources to integrate the product into your processes and get employees the credentials and training they need. It’s also...](https://blog.fiscalcs.com/news-updates/commercial-lending-software-tips) [All posts](https://blog.fiscalcs.com/news-updates/all) [Next](https://blog.fiscalcs.com/news-updates/tag/tips-guides/page/2) ## Want to learn even more about FISCAL and what’s going on in our world? Sign up for our monthly newsletter to get updates on the software and industry delivered directly to your inbox. 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