Performance Measurement

Bankers: 7 Questions to Determine If You Have a Strategic CFO

Ajit Kambil of the consulting firm Deloitte, in one of their Perspectives articles, asked seven essential questions to determine if the reader was or has a strategic CFO. I thought it provided […]


Bank Customers’ Lifetime Value

*This article was originally published on jeff4banks.com on July 3, 2021*   Who are your target customers? Answer: XYZ Why are they your target customers? Answer: They are our most […]


Excess Liquidity, Low Rates, and Branching. My Answers to Jeff Davis’ Questions

**This video blog was originally posted on Jeff4Banks.com on May 13, 2021.** S&P Global Market Intelligence Principal Analyst Nathan Stovall recently interviewed Mercer Capital’s Jeff Davis on the Street Talk podcast regarding the thorny banking issues […]


Branch vs. Lending Organizations: Which Organization Won the 2020 Profitability Battle?

Community financial institutions came off of a strong year in 2019 and entered 2020 a little apprehensive. The economy was slowing, the Fed started lowering interest rates and there was […]


CFPB: Are They Coming to Get You?

A bank trade association CEO asked me a couple of questions while he was researching an op-ed piece. The edited Q&A is below. Q. Shouldn’t the CFPB work to address […]


Banking’s Top 5 Total Return to Shareholders: 2020 Edition

For the past nine years I searched for the Top 5 financial institutions in five-year total return to shareholders because I support long-term strategic decision making that may not benefit […]


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 […]


Are Your Management Reports Just An Illusion?

Many financial institutions produce management reports using data only from their general ledger systems. An example is producing branch profitability reports limited to data from the branch’s cost center. Limiting the […]


Two Ideas to Lower Operating Cost Per Account

Last week I wrote a TKG Perspective’s article on Bank Profitability in 2019. I congratulated community financial institutions for delivering a positive trend in business checking account operating cost per […]


Banking Profitability Roundup

End of year brings banking industry summaries. Some are very good, such as this one written by Jeff Davis of Mercer Capital (Mercer). In his summary, you’ll find charts and […]