Monday, March 31, 2025

Guest Post: Financial Markets and Economic Update-First Quarter 2025

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- By Dorothy Jaworski We made it through the long, cold winter.  There were days it was so cold I did not want to leave my house.  Even Pres...
Monday, March 03, 2025

Practical AI Use for Community Banks

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Minnesota banker Andy Schornack posted the below memo on X that he was going to send to his staff. It was generated by X Grok AI tool and he...
2 comments:
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...
1 comment:
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...