bank small business lending

Bankers: Build Your Own Small Business Loan Platform

July 2, 2015 | Jeff For Banks

Banks that grow revenues do it in spread or fees. To grow spread, increase your net interest margin, or grow earning assets while maintaining net interest margin. To grow fees, […]


De Novo Banks: Only Apply If You Intend to Matter

April 25, 2015 | Jeff For Banks

ABA President Frank Keating wrote an Op-Ed piece recently in The Hill entitled New jobs and new growth call for new banks. I don’t believe it. A more accurate title […]


Why are start up businesses not creating jobs?

November 20, 2014 | Jeff For Banks

I posed this question to a Fed economist today. Her answer: lack of capital. The above chart is from a Federal Reserve Bank of San Francisco Economic Letter: Slow Business […]


Shark Tank: Bankers’ Edition

November 24, 2012 | Jeff For Banks

Reality shows are generally not my thing. Don’t get me wrong, I’m often subjected to the genre because I submit to family preferences. How else would I know that Emmitt […]


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 […]