Q1 2026
IN THIS ISSUE
What’s Ahead at Suntell Suntell SpreadIQTM
Section 1071
Innovation Series Finalist
NEW CUSTOMERS
Freedom Bank, Huntingburg, IN Woodford State Bank, Monroe, WI
ANNIVERSARIES
First Montana Bank, 15 Years!
Cobalt Credit Union, 10 Years!
Crane Credit Union, 5 Years!
KNOWLEDGE BASE
Implementation Checklists, FAQ, and system requirements
TICKETS
Send a ticket to our Customer Support team!
TRAINING
Log into our training portal to access recorded videos from our training specialists!
DOCUMENTATION
Access helpful documentation on Suntell products and services!
Dear Suntell Community,
As we begin 2026, Suntell enters an important year This August, we will mark our 30th anniversary, representing three decades of serving community banks and credit unions with purpose-built lending technology. As we kick off this milestone year, I want to reflect on what has sustained Suntell and share how we are thinking about what comes next
Suntell was founded with a clear purpose. Community lenders needed technology that supported sound credit administration, consistent practices, and efficient processes That purpose continues to guide us today. While we have grown and evolved over time, the fundamentals that matter most to our customers have remained constant
Over the past 30 years, the financial industry has changed significantly. Expectations for speed, transparency, and compliance have increased. Data has become central to decision-making, and regulatory and market pressures continue to evolve Through it all, our focus has remained steady. We help our customers adapt while maintaining safe, effective lending standards. Our product decisions are informed by real-world needs inside community institutions
Ronnie Wooten, CEO
I want to thank our customers for their trust and for the candid feedback that has helped shape Suntell I also want to thank our partners for their collaboration, and our employees, past and present, who have invested their time, expertise, and care into building and supporting a platform that matters to lenders and borrowers
This anniversary year is also an opportunity to look ahead. We remain committed to continued innovation in the Square 1 Credit Suite, expanding automation, and responsibly introducing AI-driven capabilities within the platform Our roadmap is driven by the same principle that started this company. We listen to lenders, we learn from them, and we build technology that helps them succeed
Thirty years is a milestone worth recognizing, but it is not the measure of our ambitions. We look forward to the future with a renewed commitment to community banking and credit unions, and to the customers who make our work meaningful
Thank you for being part of the Suntell story.
Ronnie Wooten, CEO
What’s Ahead at Suntell: Our Focus for the Next 12 Months
At Suntell, we work with banks and credit unions supporting commercial and member business lending in complex, regulated environments. Our roadmap is shaped by real-world workflows and focused on helping credit teams work more efficiently, improve output quality, and reduce operational friction
While we maintain a longer-term internal roadmap, we believe it is most appropriate to share our plans on a 12month horizon Priorities can evolve based on regulatory change, market conditions, and customer feedback. Customers interested in discussing our longer-range direction are always welcome to have those conversations with us privately
WHAT WE’RE FOCUSED ON THIS YEAR
Over the coming year, customers will see progress across several key areas:
Suntell SpreadIQ expansion, including support for prepared financial statements to further streamline financial analysis and review workflows
Human-language reporting and narrative generation for Loan Presentation and Credit Analysis, designed to assist with drafting descriptive content while keeping users fully in control
Loan Presentation usability
improvements, including usercontrolled page breaks for better formatting and presentation
SDI refresh, laying the foundation for long-awaited enhancements and more efficient future delivery
Portal expansion, streamlining and automating integration between the Portal, document tracking, and SDI
Automatic update delivery, enabling faster enhancements while reducing burden on internal IT teams
Introduction of an effective usage report, based on non-private system usage metadata, to support more meaningful conversations around adoption, optimization, and return on investment
These initiatives are designed to reduce manual effort, improve clarity and consistency, and support stronger outcomes across the credit lifecycle, without replacing human judgment or established credit processes
This is not an all-inclusive list. Our roadmap continues to evolve, and we encourage customers to reach out to their Suntell team for personalized conversations about what’s coming and how it aligns with their specific goals.
Suntell SpreadIQTM
We continue to evolve Square 1 Credit Suite to better support modern credit workflows. As part of that evolution, we are introducing Suntell SpreadIQ , a new AI-driven financial spreading capability designed to reduce manual data entry while preserving analyst review and control TM
You may have previously known this capability as SET Reader. As it has grown beyond basic document reading into something much more intelligent, it was time for the name to better reflect what it does today and where it is going.
In the first release of 2026, customers currently using SET Reader will see this update reflected directly in the product, including the new SpreadIQ name and an improved workflow. No action is required, and existing configurations will carry forward as part of this transition.
SpreadIQ uses artificial intelligence to interpret tax forms and associated schedules and automatically populate values into your spread. The goal is to significantly reduce manual data entry so analysts can spend less time typing and more time reviewing and analyzing, without giving up control
SpreadIQ is powered by Suntell AnalystIQ , Suntell’s AI intelligence layer within Square 1 Credit Suite TM
AnalystIQ is the AI capability that interprets documents and supports spreading workflows, using Suntell-managed AI models Each institution’s data is handled in isolation and is not used to train shared or third-party models All outputs remain fully reviewable, with analysts retaining final control.
This first release of SpreadIQ focuses exclusively on tax forms and related schedules It is designed to deliver fast, consistent first-pass population, with analysts validating results and handling edge cases rather than re-keying entire spreads.
WHAT’S COMING NEXT
Support for prepared financial statements is already in development and planned as a future phase of SpreadIQ. As always, this will be rolled out thoughtfully, with transparency, accuracy, and control as top priorities
What this means for you:
No disruption to existing workflows
No loss of analyst control or review
A clearer, more future-ready foundation for AI-driven credit analysis
This update represents an important step in how we continue to modernize credit workflows in a responsible and practical way
Section 1071: Current Status and What We’re Monitoring
Many banks and credit unions have asked about the status of Section 1071 and how it may impact small business lending processes Given ongoing rulemaking and litigation, we wanted to share what is known today and how we are thinking about it.
Section 1071 applies to certain small business credit applications. Applicability is institution-specific and depends on factors such as origination activity and product mix.
In November 2025, the CFPB issued an amended proposed rule, which has not been finalized. As proposed today, the rule would:
Establish January 1, 2028 as the start of data collection
Measure applicability based on 1,000 covered small business credit originations per year, for two consecutive years
Modify the scope of covered transactions and required data elements
Because the rule remains proposed, institutions would ultimately need to assess applicability based on finalized guidance and their own lending activity
From a product perspective, Suntell is actively monitoring the rulemaking process and engaging with customers to understand potential impact. If Section 1071 is finalized and becomes relevant for a meaningful portion of our customer base, we are prepared to support compliant workflows, including borrower-submitted data collection and appropriate separation between data collection and credit decisioning.
We will monitor developments as they relate to our platform and customer needs.
Suntell a Finalist in the 2026 Innovation Series
Suntell has been named a finalist in the 2026 Innovation Series, earning recognition in the Reimagining the Lending Experience category.
This recognition reflects work shaped through ongoing collaboration with a broad mix of banks and credit unions, informed by their real-world operational, risk, and borrower experience priorities.
It underscores our continued focus on delivering smarter, more intuitive digital experiences that support financial institutions as they modernize thoughtfully helping borrowers navigate lending with confidence and clarity.
The Innovation Series is presented by Callahan & Associates.
