Strategic Management

Unintended Consequences of Aggressive Regulation

“In case you’re looking for some light reading this weekend, FRB-Philadelphia working paper 21-08, Does CFPB Oversight Crimp Credit?” ~ Robert Morro (@bmorro44)   So went a tweet from one of my Twitter connections. So I listened to him, and dialed up the FRB-Philadelphia WP 21-08. Forty three pages later, with formulas like:   CFPBLoanSharelt = […]


Top Banking Issues in 2021

Guest: Randy Hultgren, President and CEO, Illinois Bankers Association 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, and on Apple and Droid podcast apps […]


Credit Risk and Post-Pandemic Lending

Guest: Ronda McDowell, EVP and Chief Credit Officer, Sandy Spring Bank 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, and on Apple and Droid […]


Purpose Driven Banking – A Better Business Model?

Guest: Clay Adams, President and CEO, Mascoma Bank 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, and on Apple and Droid podcast apps for […]


The Death of The Community Bank

In June of 2008 I gave a speech titled “The Death of the Community Bank” and in that speech I made predictions. Recently I was cleaning out my files and I ran into the hard copy slide deck that accompanied the speech. If I ignore where I was wrong then I am as guilty of […]


Conscious Banking

I was once that guy who pulled into a Whole Foods Market parking lot, parked next to a Prius, revved my Camaro, and smiled. I hope I evolved since then. At least my stereotype about the grocer was wrong. Its co-founder, John Mackey, is a libertarian who believes corporations should serve a higher purpose. It’s […]


The Bank Branch Manager’s Wish List

Now is the time for wishes. And if I were a branch manager, given all of the demands on me, here is what I would wish for: 1. Clarity of Expectations. Do you want me, your branch manager, to grow small business customers by being a trusted advisor to small business owners within a five mile […]


The Slippery Slope of Using Banks to Advance a Political Agenda

On October 29, 2020, the New York State Department of Financial Services (DFS) issued a letter to all depositories and non-depositories regulated by them regarding climate change and financial risks. This post is not about climate change. It is about how an unchecked bureaucracy can implement an agenda it cannot get through duly elected legislative […]


Two High Performing Banks Merge in the Midst of COVID

Guests: Christopher Martin, Chairman and CEO of Provident Financial Services, Inc., and Anthony J. Labozzetta, President, COO & Director of Provident Financial Services, Inc. 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 […]


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 situation analysis, others an environmental scan. They usually include a SWOT, which some people dislike but I find the vitriol around a SWOT to […]