CNote

06/06/2025

Treasury can drive more than returns—it can drive resilience.

Join leaders from Xylem, Locus Bank, and CNote to learn how corporate cash helped accelerate disaster recovery and protect business continuity.

Register Here: https://bit.ly/4kwWjz6

04/06/2025

Where do your deposits go?

Credit unions and community banks put more capital to work—allocating 70% and 69% of assets to loans, compared to just 49% at other banks.

That means more support for:
🏪 Small businesses
🏡 Homebuyers
📈 Local economic growth

More lending. More impact. More dollars staying in the community.

Read more here:

A data-driven approach to understanding the risk, return and impact of the community banking sector.

28/05/2025

While big banks grab headlines, community banks and credit unions quietly outperform—with stronger core capital ratios that reflect lasting financial strength.

📊 In 2008, they held steady during the crisis.
📊 In 2024, they’re still outperforming historical averages.

Their secret? Mission-driven lending, deep community ties, and a commitment to long-term impact.

Read full report here:

A data-driven approach to understanding the risk, return and impact of the community banking sector.

14/04/2025

When financial institutions hold deposits, how much of that capital actually gets reinvested into local communities?

📊 Credit unions and community banks historically allocate a greater share of their assets to loans—70% and 69%, respectively—compared to 49% for other banks.

What does this mean? More of their capital is actively supporting:
🏪 Small businesses looking to expand
🏡 Homeowners securing mortgages
📈 Local economies growing from within

By prioritizing lending, these institutions strengthen the communities they serve, helping dollars circulate to communities who need it most.

Read full report on the Community Banking industry here: https://bit.ly/42uqi2x

27/02/2025

We’re back with another insightful clip from our recent webinar with Impact Finance Center and the incredible Stephanie Gripne. Thank you also to Inclusiv for joining us in this conversation—they, like CNote, are doing incredible work to help investors align their cash with impact!

In this segment, CNote CEO Cat Berman highlights a powerful truth: The dollars sitting in your bank account aren’t neutral—they’re being put to work. The question is: Are they working for the things you believe in?

💬 “Where your cash sleeps at night matters, and you have a right to understand how those dollars work. When you work with CNote, you have one place, and one dashboard to see all of this information consolidated in one place—financial reporting, statements, 1099s, and the overall impact report.” – Cat Berman

🎥 Watch the clip to learn more!

20/02/2025

Black History Month is a time to honor the profound contributions of Black individuals to our society. Historically, Black entrepreneurs have demonstrated remarkable resilience and innovation, driving economic growth and fostering community development. Here are some inspiring stories of Black entrepreneurs who CNote has had the privilege to work with:

Black History Month is a time to honor the profound contributions of Black individuals to our society. Throughout history Black entrepreneurs have

14/02/2025

CNote is excited to share the first clip from our recent webinar with Impact Finance Center and the incredible Dr. Stephanie Gripne, and Inclusiv. Thank you for hosting such an important conversation! In this segment, CNote CEO Catherine Berman challenges the outdated perception that community investing comes with greater financial risk. The truth? Community banks and credit unions don’t just outperform big banks in impact—they often outperform them in financial strength.

💬 “When you look at the data, community banks and credit unions often have stronger balance sheets, and better risk mitigation.” – Catherine Berman.

🎥 Watch the video clip to learn more!

12/02/2025

Natural disasters strike without warning, leaving a trail of destruction in their wake. In the United States, the frequency and intensity of natural disasters have been steadily increasing, affecting millions of individuals and communities each year.

Learn more about CNote's Disaster Resilience and Recovery Program here:

Learn how CNote's Disaster Resilience and Recovery Program helps communities around the United States prepare for natural disasters.

06/02/2025

In recent years, people have increasingly embraced impact investing, blending financial returns with meaningful social and environmental outcomes. This shift reflects a growing desire to align wealth with values and leave a lasting legacy that goes beyond financial success. Visionaries like Mackenzie Scott have amplified the spotlight on impact investing by directing significant resources toward Community Development Financial Institutions (CDFIs) that empower small businesses and local communities. But why is this trend gaining momentum? Let’s explore the emotional drivers, the opportunities, and the math behind impact investing—and why it might be the right choice for you.

Read full article here:

Impact investing allows investors to create a lasting legacy by using their wealth to support important local causes. Discover how people are impact investing.

04/02/2025

🌍 Driving Climate Impact with Purpose and Partnership 🌍

We’re thrilled to spotlight our incredible partnership with Coalition, a nonprofit with a mission to unlock catalytic capital and change the future of climate finance. For over a decade, they’ve been catalyzing climate solutions, enabling innovation that holds the potential to mitigate gigaton-scale greenhouse gas emissions—an inspiring mission we're proud to support!

In 2023, Prime Coalition partnered with CNote to manage catalytic capital aggregated for their Azolla Fund I program (learn more here: https://bit.ly/3WLRmZe) . Here's what they shared about their experience:

"CNote’s community-centred impact approach stood out to us and continues to show up in every interaction between our teams. Their platform reduces our exposure to risk by laddering CDs and MMA instruments up to FDIC insurance limits, provides dependable investments to underserved community finance partners while delivering competitive returns, and ensures our charitable capital can have a double impact supporting under-resourced communities until the catalytic capital is deployed for Prime’s Azolla Fund I program. CNote’s values are also closely aligned with our organizational values of care, humility, and tenacity."

At CNote, we’re committed to aligning financial priorities with meaningful impact. We're grateful to collaborate with partners like Prime Coalition to amplify the power of catalytic capital and make a difference in underserved communities.

Prime Coalition and Azolla Ventures, an impact-first investing firm launched by Prime, announced a $239 million blended fund in 2023.