15 Mar Coronavirus + CECL = Earnings Nightmare
If we do not get a miracle turnaround with respect to the coronavirus and its impact on markets, the first quarter earnings for most publicly traded community banks (SEC filers)...
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13 Mar The Coronavirus Chaos: CEOs Need to Start Prepping for the Worst-Case Scenario
The coronavirus chaos and its cascading impact on the financial markets has obliterated the existing strategic plan for every community bank virtually overnight. Bank CEOs are now forced to shift...
21 Feb AOBA 2020: The Importance of Strategic M&A in a Changing Market
Bank Director’s annual Acquire or Be Acquired (AOBA) conference was marked by positive buzz. After all, bank M&A for 2019 came in at a four-year peak, the fastest pace in...
30 Dec The Hidden Cost of Ignoring the CBLR
Many community bankers do not realize their own existing capital plans may be more stringent than the community bank leverage ratio (CBLR). We all know bankers like math. So read...
20 Dec The Community Bank Leverage Ratio: What if My Bank Does Nothing?
Many community banks have decided that the best course of action regarding the new community bank leverage ratio (CBLR) is the easiest: Do nothing. Keep the status quo. After all,...
13 Dec Deposit Dilemma 2019 Third-Quarter Scorecard: Transaction Accounts Return, Community Banks Continue to Lag
Our on-going analysis of the deposit dilemma shows some good news for community and regional banks, based on 2019 third-quarter data. But trouble still looms. Overall, community and regional banks showed...
06 Dec The Business Case for a Careful Consideration of the Community Bank Leverage Ratio
We have been preaching for two months that community banks must take seriously the decision whether to opt into the Community Bank Leverage Ratio (“CBLR”). Our analysis suggests that it...
20 Nov Boards Take Note: The CBLR Mandates a Thorough Exploration of Capital Impact
As third-quarter 10-Qs roll into the Securities and Exchange Commission, one thing stands out: Most public banks are contemplating whether it makes sense to opt into the new community bank...
18 Oct Connecting the Dots: What Repo Market Turbulence Means to Community Banks
September’s repo market problems were front page news. But until JPMorgan Chase CEO Jamie Dimon spoke up last week, no one knew why the banks did not step in as...
18 Sep Stress Capital Before Opting into the New Community Bank Leverage Framework
Note to community bank execs: The clock is ticking on how you calculate your capital requirements. The FDIC this week finalized the new 9 percent community bank leverage ratio, and...