Bankers: Build Your Own Small Business Loan Platform
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
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?
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
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
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 […]