The Banker Next Door

BND: Strategy Room 5-17-2025

The Banker Next Door (BND) weekly live stream show. Strategy Room provides financial news, commentary, top stories in the business world, economic indicators, and all things banking for the week.

Episode 386: Review of TBAC report to Secretary of the Treasury

This episode examines a recent report from the Treasury Borrowing Advisory Committee (TBAC) to the Secretary of the Treasury. This report covers a number of important topics that include projected funding needs, trade policy, longer-term yields in Treasuries, Treasury’s buyback program, conversation on the debt limit, and terms of issuance. This report was released on April 29, 2025. A link to the report is included below.  
Link:  Report to the Secretary of the Treasury from the Treasury Borrowing Advisory Committee | U.S. Department of the Treasury

Episode 385: Review of Treasury Report on Stablecoins (Crypto Series Part XX)

This is part 20 of the crypto series. In this episode we review a presentation that was made by the Treasury Borrowing Advisory Committee (TBAC) titled “Digital Money.” The Treasury believes that U.S. dollar-pegged stablecoins are on track to reach an aggregate market capitalization of approximately $2 trillion by 2028. Links to the Treasury presentation, press release, and Zero Hedge article are included below.
Link: Report to the Secretary of the Treasury from the Treasury Borrowing Advisory Committee | U.S. Department of the Treasury
Link: TBACCharge2Q22025.pdf
Link: Stablecoins On Track For $2 Trillion Market Cap By 2028: US Treasury | ZeroHedge

Episode 384: How can your bank get started with FedNow?

This episode examines an article from Independent Banker Magazine titled “5 Ways community banks can take advantage of FedNow.” The authors propose 5 steps that community banks can use to adopt FedNow. 1) Lean on third-party providers, 2) Start with a receive functionality, 3) Develop implementation plans, 4) Identify use cases that offer value, and 5) Talk to peers. FedNow continued its growth in the 1Q 2025 with more than 1,300 participating financial institutions. A link to the article is included below.
Link: 5 Ways Community Banks Can Take Advantage of FedNow

Episode 383: Mar-a-Largo Accord?

This episode examines an article from The Wall Street Journal (subscription required) titled “Trump is right about trade imbalances. Does he know how to fix them?” The premise of the article is that economist John Maynard Keynes once proposed a plan back in 1941 that would balance trade imbalances between countries but was not utilized. Trump is looking at adopting a similar plan which has become known as the “Mar-a-Largo Accord.” Part of this new accord would be to weaken the U.S. dollar and reindustrialize America. The question is, can it work?

Episode 382: Internal vs External hiring

This episode examines an article from Bank Director titled “The tough choice between internal promotions or external hiring.” The best thing a company can do is strike a balance between internal talent development and bringing in external talent. This will allow a bank to build a strong, adaptable leadership team. But beware, there are pros and cons to both strategies and pitfalls all around. A link to the article is included below.
Link: The Tough Choice Between Internal Promotions or External Hiring | Bank Director

BND: Strategy Room 5-10-2025

The Banker Next Door (BND) weekly live stream show. Strategy Room provides financial news, commentary, top stories in the business world, economic indicators, and all things banking for the week.

Episode 381: Update on crypto regulation, SOFI, Morgan Stanley, and more! (Crypto Series Part XIX)

This is part 19 of the crypto series. In this episode we review the upcoming crypto regulations (Stable Act and Genius Act), The Treasury sees stablecoin having a value of $2 trillion, SOFI bringing back crypto investing, Morgan Stanley adding crypto trading to E*TRADE platform, FDIC, Fed, and SEC permitting banks to engage in crypto-related activities, and crypto firms looking to get bank charters.

Episode 380: How does your bank differentiate itself? Become a niche player!

This episode examines an article from Bank Director titled “Finding your lane.” There are many possible opportunities out there for banks to develop a niche. They could focus on deposits, cash management and payment channels, or various types of lending. The important thing is for banks to develop expertise in the area they wish to target. Furthermore, banks must be careful not to develop too large a concentration in one industry. A link to the article is included below.
Link: Magazine Exclusive: Finding Your Lane | Bank Director

Episode 379: Why banks DO NOT embrace SBA lending!

This episode examines an article from Bank Director titled “Embracing SBA lending in difficult times.” This article espouses the opportunity that SBA lending can provide to a bank. The article also provides 5 reasons why banks hesitate to provide SBA lending. Understanding why a bank would not want to provide SBA lending is perhaps more information than recognizing the opportunity.  A link to the article is included below.
Link: Embracing SBA Lending in Difficult Times     | Bank Director