The Banker Next Door

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

Episode 378: Four principles executives should use when making capital decisions

This episode examines an article from Bank Director titled “The cost of flawed capital decisions.” Banks use various metrics to evaluate a transaction. Some of these can include IRR, TBV, and EPS. Do these metrics tell the whole story? The authors lay out 4 foundational principles that bank executives should use when allocating capital. How banks utilize capital is critical to the overall financial performance of the bank. Bad decisions can be costly. A link to the article is included below.
Link: The Cost of Flawed Capital Decisions | Bank Director

Episode 377: Can faster Federal payments increase demand for real-time banking?

This episode examines a recent blog post from PCBB titled “Faster Federal payments mean rising demand for real-time banking.” A recent shift in government payments could change the direction of bank strategy. Should banks focus more on payment channels and products like P2P and FedNow? A link to the PCBB blog post is included below.
Link: Faster Federal Payments Mean Rising Demand for Real-Time Banking

BND: Strategy Room 5-3-2025

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 376: Reviewing NACHA 1Q 2025 ACH Network Report

This episode reviews The National Automated Clearinghouse Association (NACHA) ACH report for the 1st quarter of 2025. The ACH network showed gains in standard and same day ACH during the 1st quarter. ACH payment volume rose 4.2% to $8.5 billion. The report covers a number of ACH network related statistics. A link to the 1st quarter infographic is included below.
Link:  1Q25_Infographic

Episode 375: Review of ICBA Advocacy in Action 2Q 2025

This episode examines ICBA’s Advocacy in Action for the 2nd quarter of 2025. There has been a ton of regulatory changes since the Trump administration took office in January. What are the major regulatory concerns for the banking industry right now? What are community banks most concerned with? A link to the ICBA PDF document is included below.  
Link: top-issues.pdf

Episode 374: Why are community banks so trusted?

This episode examines an article from Independent Banker Magazine titled “What makes customers trust community banks?” Community banks are built on a relationship-based business model. They are very active in their local communities. They donate money to charities, nonprofits, and other causes. They position themselves as a trusted advisor with their clients and always put the customer first. A link to the article is included below.
Link: What Makes Customers Trust Community Banks?

Episode 373: How are core providers performing?

This episode examines a blog post from PCBB titled “Core providers beefed up tech, but satisfaction can improve.” Banks are happy with their core providers for the most part, but customer service and relationships can be an issue at times. There are many reasons why a bank would not switch their core provider but if you are thinking about switching, the blog post provides six factors to consider. A link to the blog post is included below.  
Link: Core Providers Beefed Up Tech, But Satisfaction Can Improve

Episode 372: Review of FBI 2024 Internet Crime Report

This episode examines the FBI’s 2024 report on Internet Crime. This report comes from the Internet Crime Complaint Center or IC3. The report shows there were over 800k+ complaints filed with losses exceeding $16 billion in 2024. The top three cyber crimes were phishing/spoofing, extortion, and personal data breaches. The report provides basic statistics and goes deeper on elder fraud and crypto fraud. Links to the report and press release are included below.  
Link: 2024_IC3Report.pdf
Link: FBI Releases Annual Internet Crime Report — FBI

BND: Strategy Room 4-26-2025

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.