The Banker Next Door

Episode 394: Review of OCC Interest Rate Risk Statistics Report for Spring 2025

This episode reviews the OCC Interest Rate Risk Statistics Report for Spring 2025. The report shows that smaller financial institutions are very sensitive to an upward movement in interest rates. EVE is also very sensitive to upward interest rate shocks. Larger banks appear to be less sensitive to upward interest rate shocks. Non-maturity deposits could potentially be a problem for large banks, while smaller banks see stability in their deposit base. A link to the report is included below.  
Link: Interest Rate Risk Statistics Report | OCC

Episode 393: Review of FED Economic Well-Being of U.S. Households in 2024

This episode is a review of the Federal Reserve Board of Governors annual Economic Well-Being of U.S. Households in 2024 report. Some of the key findings from the report include inflation continued to be a top financial concern, the labor market remained solid, people continued to earn money doing gigs, emergency savings measures remained similar to the previous two years, and financial fraud continues to be a big problem. A link to the report is included below.
Link: Federal Reserve Board Publication

Episode 392: Review of FDIC Quarterly Banking Profile for Q1 2025

This episode is a review of the FDIC Quarterly Banking Profile for Q1 2025. For all banks, net income increased from prior quarter, NIM ticked down, asset quality metrics remain generally favorable with a little bit of weakness in certain portfolios, loan growth remained tepid, deposits were up for a third straight quarter, and the DIF reserve ratio increased by 3 bps. A link to the report is included below.
Link: FDIC Quarterly Banking Profile - First Quarter 2025

BND: Strategy Room 5-31-2025

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 391: How do community banks maintain culture?

This episode examines an article from Independent Banker Magazine titled “Workplace Culture: A make or break for community bank employees?” The article recommends six ways that a community bank can maintain a strong culture. They include hiring with culture in mind, set cultural expectations, a chance to speak up, reward and recognize, demonstrate empathy, and team efforts start at the top. A link to the article is included below.  
Link:  Workplace Culture: A Make or Break for Community Bank Employees?

Episode 390: What back-office upgrades can drive efficiency?

This episode examines an article from Independent Banker Magazine titled “Drive efficiency with these 9 back-office upgrades.” The 9 recommendations for increasing efficiency include automate loan exceptions, use RPA to reduce repetitive tasks, establish common sense practices, reduce the use of spreadsheets, get maximum value out of existing solutions, have AI help with the compliance, enable e-signatures, prepare for AI drive opportunities, and tap into employee insights. A link to the article is included below.
Link: Drive Efficiency With These 9 Back Office Upgrades

Episode 389: WOW housing is unaffordable!

This episode examines a report from the National Association of Realtors and Realtor.com titled “Affordability and Homebuilding: State-by-State Report Cards.” This report breaks down, state-by-state, affordability and supply. Some of the key findings focus on income-based affordability gaps, deficit of affordable homes, impact on first-time buyers, state-level disparities, and impact of mortgage rates. A link to the affordability and homebuilding report is included below.
Link: Affordability and Homebuilding: State-by-State Report Cards - Realtor.com Economic Research

Episode 388: Will there ever be another Warren Buffett?

This episode examines an article from The Wall Street Journal (subscription required) titled “Why there will never be another Warren Buffett.” The author provides three reasons why there will never be another Warren Buffett: the person, the period, and the package. Warren was a unique individual who was obsessed with studying companies. He was trained by Benjamin Graham, himself a financial legend. Buffett began investing in a period before trillions of dollars had poured into the stock market. Buffett used Berkshire Hathaway as his investment vehicle, which is a publicly traded holding company.  

Episode 387: Interview with Dr. William Minnis, former bank CEO

This episode is an interview with Dr. William “Bill” Minnis, who is a former bank CEO of Citizens National Bank of Paris.  This bank was located in Paris, Illinois. We discuss being a bank CEO during a difficult time. What he did and did not like about the job. Things he would do differently, and what advice he would have for someone becoming a bank CEO today. Outside of banking, Dr. Minnis has been involved in various organizations. He spends time consulting, tending cattle at his house in Scotland, and he is a Professor Emeritus at Eastern Illinois University. Dr. Minnis has an MBA from Indiana State University and a PhD from Saint Louis University.   

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.