Thursday, February 27, 2025

Beyond Altruism: Turning Financial Wellness into a Bank Profit Center

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Discover how financial institutions can transform financial wellness from a cost center to a profit center. Learn strategies for implementin...
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Friday, February 21, 2025

Bottom-Up Capital Calculations

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Ten years ago I wrote What's Your Well-Capitalized on these pages. It was in response to regulators persistently asking bankers the sam...
Wednesday, February 12, 2025

Online Account Opening

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Online account opening remains the wild west for most community banks. In so many strategy sessions, I hear from bankers that it is a bust. ...
Tuesday, January 14, 2025

Bonds Gone Bad

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Bank earnings remained below par for 2024 due to continued net interest margin pressures. As a result, many financial institutions amplified...
Friday, December 27, 2024

Financial Metrics of Credit Unions vs. Banks

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I often hear that credit unions (or mutual banks) don't have to maximize profits because they don't have shareholders. This is techn...
Thursday, December 19, 2024

Guest Post: Financial Markets and Economic Update-Fourth Quarter 2024

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  Drones On the night of December 12 th , I saw reports from friends that they were personally seeing (and some videoing) the drones that ...
Tuesday, December 10, 2024

Banking's Top 5 Total Return to Shareholders: 2024 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...