Wednesday, April 01, 2026

The Scale Imperative: Banks Can Acquire Credit Unions

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The traditional financial industry is facing a quiet, steady drain of its lifeblood. While the "unbanked" population is shrinking,...
Thursday, March 26, 2026

Guest Post: Financial Markets and Economic Update for First Quarter 2026

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  A Wild and Cold Quarter I can only remember one other winter that was as cold as what we just experienced.  A snowstorm hit the Northeas...
Friday, March 06, 2026

Bank Board Exchange Ideas: Deposits and Liquidity

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During a recent banking conference, my colleague and I led a peer exchange with community bank board members. To guide the conversation, we ...
Wednesday, February 04, 2026

What Really Drives Bank Value—and What To Do Next

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Earlier this month, I attended Bank Director’s Acquire or Be Acquired conference. As always, the sessions were strong and the hallway conve...
Thursday, January 15, 2026

Interest Rate Caps: Long History of Failure

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President Trump called for a temporary, nationwide cap on credit card interest rates at 10% APR for one year, beginning January 20, 2026. H...
Sunday, December 21, 2025

Guest Post: Financial Markets and Economic Update Fourth Quarter 2025

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I had the best fourth quarter!  I’ve always wanted to visit Europe’s Christmas Markets and finally did in late November to early December on...
Sunday, December 14, 2025

Banking's Top 5 Total Return to Shareholders: 2025 Edition

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There have been some humbling moments in Top 5 recognitions, with some award recipients failing and one voluntarily liquidating. Although we...
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