The Banker Next Door

Episode 410: Crypto legislation, crypto kidnappings, and more! (Crypto Series Part XXII)

This is part 22 of the crypto series. In this episode we review all the latest news in the crypto world. Genius Act passes the U.S. Senate. Shares of Coinbase and Circle ride high. Stablecoin legislation could juice demand for Treasury’s. Walmart and Amazon may create their own stablecoins. Various companies are investing in crypto. DOJ seizes record $225 million in Pig Butchering scams. JPMorgan to launch a deposit token. Celsius’s Mashinsky gets 12-year prison sentence. Cryptocurrency holders are becoming the targets of abductions, beatings, and kidnappings!

BND: Strategy Room 6-21-2025

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 409: Should your bank implement a digital lending platform?

This episode examines a blog post from PCBB titled “Benefits of digital lending keep growing, along with loan volume.” The market for small business loans continues to grow. A digital lending platform can provide borrowers with the convenience of applying for loans at the time, place, and using the device that is best for them. Digital lending can help banks with faster loan decisions, more consistent lending decisions, improved accuracy, better compliance, and a competitive advantage. Digital lending can also help banks save money and build a better loan portfolio. A link to the blog post is included below.
Link: Benefits of Digital Lending Keep Growing, Along with Loan Volume

Episode 408: What is Proptech?

This episode examines a blog post from PCBB titled “What is Proptech, and how can it help with CRE lending?” Proptech is the marrying of real estate and technology to change the way that real estate is marketed, sold, and managed. Some examples include Zillow, Airbnb, Appfolio, and Buildium. Proptech can help banks in the following ways: CRE transactions, risk management, lending decisions, streamlining the lending process, and competitiveness. A link to the blog post is included below.
Link: What Is PropTech, and How Can It Help with CRE Lending?

Episode 407: What are 7 traits of great leadership?

This episode examines an article from Independent Banker Magazine titled “What makes a leader truly great? Experts weigh in.” This article shares seven traits of great leaders. Those traits include putting people first, make community a top priority, lead with authenticity, listen and respond mindfully, value education, make thoughtful but efficient decisions, and lift others up. A link to the article is included below.
Link: What Makes a Leader Truly Great? Experts Weigh In

Episode 406: Billions of bank sub debt is about to reprice!

This episode examines an article from Bank Director titled “Billions of sub debt set to reprice, forcing banks to explore options.” Banks issued billions in subordinated debt in 2020 and 2021. That debt is about to be repriced. Bank boards and management teams have some interesting decisions to make. A link to the article is included below.
Link: Billions of Sub Debt Set To Reprice, Forcing Banks To Explore Options   | Bank Director

Episode 405: Bank M&A market update

This episode provides an update on the bank M&A market for the first half of 2025. We examine three articles from S&P Global Market Intelligence (subscription required) and we review a blog post from PCBB titled “Stats show 2025 is M&A’s year, but what’s helping deals succeed.” Bank M&A was quiet for most of 2024 and then picked up toward the end of the year. 2025 is off to a slow start but there is optimism that deal volume will pick up. A link to the PCBB blog post is included below.
Link: Stats Show 2025 Is M&A’s Year, But What’s Helping Deals Succeed?

BND: Strategy Room 6-14-2025

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 404: FED warns banks Private Credit ties create "systemic risk!"

This episode examines an article from the abfjournal titled “Federal Reserve Research Warns Bank-Private Credit Ties Create “Systemic Risk” and a research report from the Federal Reserve titled “Bank Lending to Private Credit: Size, Characteristics, and Financial Stability Implications.” Private Credit has grown exponentially in the last five years. The growth of this lending area has now gotten to a size that the Federal Reserve is concerned about the potential credit risk being created for banks. Everyone should be concerned about the growth of private credit. Links to the article and report are included below.
Link:  Federal Reserve Research Warns Bank-Private Credit Ties Create "Systemic Risk" - ABF Journal
Link: The Fed - Bank Lending to Private Credit: Size, Characteristics, and Financial Stability Implications

Episode 403: Drug cartels flood big banks with bags of cash??!!!!

This episode examines an article from The Wall Street Journal (subscription required) titled “Bags of cash from drug cartels flood teller windows at U.S. banks.” Chinese money launders are hard at work funneling their ill-gotten gains through big banks. What is going on here? Why are big banks allowing this? Why are people not being prosecuted for it?