Which Bank Will Blink on Rate?

It happened. I received an e-mail this week for a 13-month CD special. The ad insisted it would make me happy. Instead, sadness. Sad that this bank thought I wouldn’t […]

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Capacity Planning in Banks: Three Measurement Ideas

Joe Lender’s loan portfolio grew $5 million last year. The Trust Department’s revenues grew nine percent. The Market Street branch’s core deposits grew to 64% of total deposits. All objective […]

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What is the better banking strategy: low expense v low deposit costs?

Here is a question that dogs us: should we follow a strategy that drives top quartile performance in operating expenses or cost of deposits? If your answer is “yes”, your […]

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Community Financial Institutions: Parking Lot for the Benjamins

The current market volatility has been with us for nearly three years. To resuscitate the economy, the Fed is doing everything possible to keep interest rates low through monetary policy. […]

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