performance measurement

Commercial Real Estate or Business Lending: Which Is Better?

Me: Commercial Real Estate loans are the most profitable product in a community bank’s arsenal and have been through various interest rate environments. Bank Senior Lender: Not when you consider […]


Bankers: Just Do It!

“That’s all fine and good, but if your bank doesn’t do it or the reporting doesn’t get to the front line, how can we improve?” ~ Montana Bankers’ Association Executive […]


Row in the Same Direction: Branch Profitability in Action

//This article originally appeared in Jeff4Banks.com// Chris Nichols from Southstate Bank Correspondent Bank Division recently wrote an excellent piece about branch profitability, a subject near and dear to my heart […]


The Kafafian Group’s 20th Anniversary!

Podcast Show Notes: Our This Month In Banking (TMIB) podcast features discussion with colleagues and other industry thought leaders on interesting banking topics. TMIB is available on the last Wednesday […]


Bank Customers Lose Real Money

*This post originally appeared in Jeff4Banks.com on October 7, 2021* You worked hard, saved money, and reduced or eliminated debt. You’ve been conservative, preferring the stability and security of bank […]


How To Get Off The Hot Rate Ferris Wheel

I recently spoke at the DCI Annual Users Conference and the ABA Bank Marketing Conference about, among other things, how bankers can get off the the “hot rate” kick. I […]


Bankers: 7 Questions to Determine If You Have a Strategic CFO

Ajit Kambil of the consulting firm Deloitte, in one of their Perspectives articles, asked seven essential questions to determine if the reader was or has a strategic CFO. I thought it provided […]


Bank Customers’ Lifetime Value

*This article was originally published on jeff4banks.com on July 3, 2021*   Who are your target customers? Answer: XYZ Why are they your target customers? Answer: They are our most […]


Excess Liquidity, Low Rates, and Branching. My Answers to Jeff Davis’ Questions

**This video blog was originally posted on Jeff4Banks.com on May 13, 2021.** S&P Global Market Intelligence Principal Analyst Nathan Stovall recently interviewed Mercer Capital’s Jeff Davis on the Street Talk podcast regarding the thorny banking issues […]


Banking’s Top 5 Total Return to Shareholders: 2020 Edition

For the past nine years I searched for the Top 5 financial institutions in five-year total return to shareholders because I support long-term strategic decision making that may not benefit […]