The Banker Next Door

Episode 260: How worried are banks about interest rate risk?

This episode examines the OCC’s semiannual Interest Rate Risk Statistics Report for fall 2024. Interest rate risk is one of the largest risks that banks of all sizes face. Fluctuation in interest rates can have massive implications for bank balance sheets and future earnings. This report includes a review of bank reported IRR data that includes exposures, risk limits, and non-maturity deposit assumptions. The data is also broken down based on bank asset sizes. A link to the report is included below.
Link: Interest Rate Risk Statistics Report | OCC

Episode 259: Will real-time payments lead to faster fraud?

This episode examines a recent article from ICBA titled “Can Faster Payments Lead to Faster Fraud?” As real-time payments are implemented, one of the side effects is that fraud can also be perpetrated faster. What can community banks do to combat this issue? A link to the article is included below.   
Link: Can Faster Payments Lead to Faster Fraud?

BND: Strategy Rooom - Crypto Series Special

This is a special Strategy Room episode as part of the ongoing Crypto Series. This special will cover various aspects of the crypto debate. We will look at an article from ICBA, several reports from the Bank of International Settlements (BIS) and Financial Stability Board (FSB), and PEW research. Topics include what is the impact of tokenization, cross-boarder crypto regulatory and supervisor challenges, are stablecoins safe havens during crypto market stress, what kind of regulation should be around stablecoins, current crypto scams, and ultimately what do American’s think about crypto?

BND: Strategy Room 11-1-2024

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 258: How is CECL performing?

This episode examines a recent PCBB blog post titled “How has CECL adoption affected credit loss allowance levels?” The Current Expected Credit Loss or CECL methodology has been implemented by all banks for managing their Allowance of Credit Losses (ACL). How is this relatively new methodology performing compared to how banks historically managed loan loss reserves or loan loss provisions? What are the differences between small and large banks? A link to the blog post is included below.
Link: How Has CECL Adoption Affected Credit Loss Allowance Levels?

Episode 257: How was loan demand and business activity in 3Q 2024?

This episode examines the Federal Reserve Bank of New York’s Business Leaders Survey for October 2024. We also examine an article from S&P Global (subscription required) titled “Q3 bank reports to show weak loan growth and modest deposit improvement.” Business activity remained steady in the Northeast section of the U.S. for the third quarter of 2024. Loan demand remained weak in the third quarter of 2024. A link to the FRBNY Business Leaders Survey is provided below.
Link: Business Leaders Survey

Episode 256: Crypto fraud is growing! (Crypto Series Part XI)

This episode examines a recent blog post from PCBB titled “Crypto Fraud is growing rapidly.” The blog posts looks at the different types of crypto fraud including investment scams, call center fraud, romance, and cryptocurrency kiosks. Who are the likeliest targets by age, state, and country. Finally, the blog post offers six tips on how to avoid getting scammed. A link to the blog post is included below.
Link: Crypto Fraud Is Growing Rapidly

Episode 255: ICBA Advocacy in Action update for 4Q 2024

This episode examines the Independent Community Bankers Association (ICBA) Advocacy in Action update for the 4th quarter of 2024. What are the main regulatory issues the banking industry is currently facing? How could the proposed legislation affect consumers and businesses? A link to the PDF document is provided below.
Link: top-issues-2024.pdf

Episode 254: Update on banking industry ratios and interest rate risk

This episode examines several articles from Bank Director and S&P Global to provide an update on U.S. banking industry ratios, which include efficiency ratio, net interest margin, ROAA, ROAE, and interest rate risk. We try to get an idea of how the industry is performing overall and what headwinds could be on the horizon. The S&P Global article requires a subscription. A link is provided below for the Bank Director article.
Link: Banking: an Industry (Partially) at Risk   | Bank Director

BND: Strategy Room 10-25-2024

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.