As the COVID-19 crisis unfolds, we are all in the dark with respect to the ultimate impact on the economy. I have seen a myriad of predictions, ranging from the...
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)...
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...
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...
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...
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,...
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...
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...
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...
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...