Two new surveys by Promontory Interfinancial Network and Dun & Bradstreet with Pepperdine’s Graziadio Business School point to a growing sense of doom among community banks; 40 percent believe business conditions will get worse in the next 12 months and 88 percent see increased funding costs coming; the lending outlook was mixed with 40 percent of promontory respondents saying they saw increased demand, but 43 percent of Dun & Bradstreet respondents say only a third of small businesses were looking for financing in Q1; fintech has become less of a concern as more banks have struck partnerships in the past couple of years and cybersecurity has become a bigger issue as banks become more digital. Source.