Insights

Vblog: The Benefits of Niche Profit Reporting with David Acevedo

March 20, 2012 | Uncategorized

I regularly attend industry conferences and occasionally will particpate as an exhibitor. One of the benefits of spending long hours in the exhibit hall is to take advantage of the industry expertise plainly evident as you roam the aisles. Today a financial institution CFO asked what we thought about measuring the profitability of certain niches, […]


Bank Cost Structures: Mostly Fixed

March 10, 2012 | Uncategorized

I recently taught Bank Profitability to a Washington Bankers’ school. As part of the curriculum, we discussed the cost structure of financial institutions and how it impacts decision making. True to the subject, we discussed using product profitability data to make decisions. For example, if a product is unprofitable, should we make changes to it or […]


Job Description: Branch Manager

March 4, 2012 | Uncategorized

I frequently hear lamentations about the gap between the performance expectations of community financial institution (FI) personnel and performance results. A frequent challenge is that performance expectations are not documented in the form of job descriptions. Instead, expectations are often trapped between the ears of the supervisor or senior management. This post is geared toward drafting a […]


Common Misperceptions: Community Banks are Beating the Behemoths

February 19, 2012 | Uncategorized

My firm constantly evaluates industry trends and happenings to formulate what we term our Industry Overview. Although a constant process involving hypothesis, research, and re-evaluation, we center our thinking annually to ensure we properly debate, debunk, and determine where our industry is moving. As part of the process, our staff does a lot of research. […]


Best Book Ever on Word of Mouth and Direct Mail Marketing

February 11, 2012 | Uncategorized

I hope the title of this post compelled you to read its contents. If so, I suppose you are expecting me to offer my opinion on the most recent thought leadership on word-of-mouth and direct mail marketing. But I will not. Instead, I will offer you my opinion on a book whose author is not […]


Bank Super Bowl Ads 2012

February 5, 2012 | Uncategorized

First, check out this creative yet sleepy First Bank ad. If you need to go to the bathroom, feel free to do so: Amarillo National Bank puts their CSRs through a workout. This, my friends, is a training program: E*Trade, the gold standard for Super Bowl bank ads… speed dating. Awesome: Would my marketing readers, […]


Let’s retake the mortgage market!

January 28, 2012 | Uncategorized

Community financial institutions are grappling with the recent and pending mortgage rules. We fear the Consumer Finance Protection Bureau (CFPB) and government’s tendency to fire a bazooka at an ant, causing tremendous collateral damage. New rules aside, we were not that significant in the mortgage market anyway. Aggressive mortgage brokers hawking products and programs from […]


What Does Reviewing Strategic Alternatives Mean to You?

I recently read the following headline: “Next step for ABC Bancorp could be ‘strategic alternatives’.”  It could have read, “ABC Bancorp is out of options and should sell.”  [The name of the bank was changed to protect their identity.]  After reading the article, that message came through loud and clear. Since then, I asked a […]


Leader Selection: “He’s not ready.”

January 21, 2012 | Uncategorized

Financial institutions are currently struggling to identify the next generation leaders. Should we fall back on our old playbook, selecting highly “experienced bankers” that have been around and are likely to be the mantle bearers for the good old days, or should we think differently? The manner at which we choose leaders is not very […]


Guest Post: 4th Quarter Economic Update by Dorothy Jaworski

January 13, 2012 | Uncategorized

Before looking ahead to 2012, I can’t resist the traditional temptation to look back at the past year. The markets in 2011 were dominated by earthquakes and the tsunami in Japan, spikes in gas and oil prices, historic Federal Reserve actions where they “promised” to keep rates at their current low levels until mid-2013 and […]