Performance Measurement

Commercial Real Estate or Business Lending: Which Is Better?

Me: Commercial Real Estate loans are the most profitable product in a community bank’s arsenal and have been through various interest rate environments. Bank Senior Lender: Not when you consider […]


How Will Higher Interest Rates Impact Loan & Deposit Product Profitability?

We have already started to see interest rates trending upwards in 2022, but how will these higher rates impact the profitability of your loan and deposit products? Will you have […]


Bankers: Just Do It!

“That’s all fine and good, but if your bank doesn’t do it or the reporting doesn’t get to the front line, how can we improve?” ~ Montana Bankers’ Association Executive […]


Row in the Same Direction: Branch Profitability in Action

//This article originally appeared in Jeff4Banks.com// Chris Nichols from Southstate Bank Correspondent Bank Division recently wrote an excellent piece about branch profitability, a subject near and dear to my heart […]


Bank Customers Lose Real Money

*This post originally appeared in Jeff4Banks.com on October 7, 2021* You worked hard, saved money, and reduced or eliminated debt. You’ve been conservative, preferring the stability and security of bank […]


How To Get Off The Hot Rate Ferris Wheel

I recently spoke at the DCI Annual Users Conference and the ABA Bank Marketing Conference about, among other things, how bankers can get off the the “hot rate” kick. I […]


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 […]