Jeff For Banks

Could Net Interest Margin Woes Spell Opportunity?

When an in-person strategic planning retreat has to be hastily switched to a virtual one, sacrifices must be made. And in this case, I simply didn’t have the time to […]


Create Operating Discipline at Your Bank

Bankers have made great strides in developing the strategies to succeed over the long-term, analyzing the customers that most value their strategic direction, and gaining the buy-in from their Boards […]


For Banks, Self Assessments Are Hard

Self assessments are hard, period. Not just in banks. But since this is a banking blog, let’s focus there. Strategic plans should include a fact-based self assessment. Some call it […]


A Whale of a Tale: Enloe State Bank

“The bank’s on fire!” So said the panicked cleaning person that ran across the parking lot from the bank to the adjacent restaurant. “Call 9-1-1!” The bank in reference was […]


Texas Big: First Road Trip Since the Pandemic

It was bound to happen. After four months of lockdown, bankers are getting back to the office. They never stopped working, mind you. But work has been different to say […]


Bankers: Hunker or Pounce?

Unprecedented times. How many of our borrowers on forbearance can begin making payments? What provision do we make this quarter? How do we justify it? What will our constituencies think […]


Bankers: Who Has These Three Drivers of Value?

Two years ago bank stock analysts from investment banking firm Boenning & Scattergood identified three attributes in a financial institution that investors should look for. I wrote a blog post on it […]


Money Is Math. And Math Is Color Blind

Typical conversation at my house: Me: How much was on the credit card?!?! Wife: Well, it’s because of [reason 1], [reason 2], and [reason 3]. Me: Our checking account doesn’t […]


The Federal Reserve’s Main Street Lending Program: Manna From Heaven for Community Banks?

“How much more abuse can small businesses take from big banks?” ~ Community Bank CEO PPP is winding down. Community banks not only took care of their small to medium […]


Banks On Sale

My bank stock portfolio was comfortably in the black, with a solid 2.5% dividend yield at year-end. My have times changed. Before I begin, I feel compelled to disclose that […]