Management Advisory

What Makes a “Great” Community Bank Board?

Host: Sharon Lorman, Vice President Cohosts: Jeffrey P. Marsico, Executive Vice President and George W. Millward, Managing Direcotr Guest: David Baris, President of the American Association of Bank Directors and Partner, Kennedy Sutherland Podcast Show Notes: Our This Month In Banking (TMIB) podcast features discussion with colleagues and other industry thought leaders on interesting banking news that […]


IMO: How To Make Telecommuting Work in Banks

Schlepping to the office five days a week is enough to make employees, or would be employees, reconsider working for you. This is particularly true in urban areas, where 20 miles might equal an hour commute. Or in growing families, where daycare costs might eat their pay check. In comes telecommuting. And in an era […]


What Makes an Effective Community Banking Board?

How do you construct an effective bank board of directors? A question frequently asked, seldom answered. According to the FDIC, directors’ responsibilities include:   “Directors are responsible for selecting, monitoring, and evaluating competent management; establishing business strategies and policies; monitoring and assessing the progress of business operations; establishing and monitoring adherence to policies and procedures […]


TMIB Lite: Welcome to Matt Prosseda

Host: Sharon Lorman, Vice President Cohosts: Bob Kafafian, President and CEO and Matt Prosseda, Managing Director Podcast Show Notes: Our This Month In Banking (TMIB) podcast features discussion with colleagues and other industry thought leaders on interesting banking news that happened this month. TMIB will be available on the last Wednesday of every month here, […]


The Federal Home Loan Bank System: Lender of Next-to-Last Resort

“The FDIC recently has observed instances of liquidity stress at a small number of insured banks.” So opened the Summer 2017 FDIC Supervisory Insights issue. And so went your exams. At a recent banking conference an industry consultant said, matter of factly, that in times of stress your Federal Home Loan Bank (FHLB) borrowing capacity […]


Time to Pull the Plug on CRA?

In Richard J. Parson’s book, Broke: America’s Banking System, he suggested that bankers and examiners major in the majors. By that, he meant sweat the big stuff; and by big stuff, he meant risks that tend to lead to bank failures. Lead among them, and without a near rival, is credit risk. Bankers and examiners […]


Women in Banking

Since I began my banking career approximately 38 years ago, the financial industry has experienced dramatic change, particularly as it relates to the adaption and utilization of technology, customer delivery channels, and the continued consolidation of the industry. One dramatic change that has not occurred is the number of women who hold positions in the […]


Lessons from Management Reviews

Over the past three years, TKG has been engaged by a significant number of banks to provide an assessment of the capabilities of management to operate the bank in a safe and sound manner.  Most, but not all, of these assessments have been required by regulatory requirements, expressed either in formal enforcement actions or through […]


What Kind of Board of Directors Does Your Bank Have?

As a result of the financial crisis and subsequent recession, Board oversight has become a more significant issue to both regulators and shareholders.  Proper corporate governance and the role of the Board of Directors is an often debated subject.  Regulators are increasingly asking for Board and management studies to determine if the “right” people are […]