TKG Perspectives

Mortgage Lenders Experienced Record Profits – Could They Have Done Better?

During the pandemic, TKG worked with several clients on process improvement engagements where the scope of the project was focused on residential lending. Like many financial institutions who originate residential […]


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 […]


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. […]


Bank M&A – Show Me the Money

Deep down I’m a bit of a softie. And nostalgic. So, if my wife and I are watching TV on a Saturday night and I happen to come across “Jerry […]


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 […]


Paycheck Protection Program

Thursday evening (April 2, 2020) the Small Business Administration issued 13 CFR 120, its Interim Final Rule (“IFR”) regarding the PayCheck Protection Program (“PPP”). The 31-page document comes just hours […]


What’s the Next Crisis?

I remember a speech given by Jamie Dimon, Chairman and CEO of JP Morgan Chase, at the New York Bankers Association Convention back in the fall of 2009. It was […]


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 […]


Are Diversity Requirements Really Necessary?

Diversity in banking continues to be a hot topic. Based upon recent conversations TKG has participated in, there is a heightened interest and focus by many financial institutions to have […]


Is Loyalty Worth It?

What is the value of a loyal customer? And what is the difference between a transactional customer and a loyal one? This was the subject of the keynote speaker, James […]