Correspondent Blog

On July 4th, the President signed into law his expansive policy and economic package that will bring sweeping changes to banking and America’s finances. In this article, we breakdown not only where the Big, Beautiful Bill (HR 1) helps and hurts banking, but we provide strategies on how to take the best advantage of these…

When it comes to bank planning, your strategic horizon has a huge influence on your success. Recently, we published a piece urging banks to set their strategic planning horizon out longer (HERE). We were inundated with questions and opinions. Our overarching point was that banks underperform, in part, because their strategic planning time horizon is…

Banks consistently produce under their cost of capital. For example, at present, return on equity performance is about 12% for the average community bank. However, for the average bank, their cost of capital is between 9% and 14% depending on the bank’s equity liquidity with an average of 12.5%. Why is that? One answer is…

You are likely in the process of finalizing your strategic plan. The good news is that strategy matters and your team’s time and effort in refining your strategy should pay off. The question is, how much will it pay off? That answer depends on the strategy your bank is pursuing and the underlying business model…

Many parents have dealt with the issue of how to divide Halloween candy among siblings. It takes work. If all houses gave out the same candy, it wouldn’t be a problem. But houses give out different sweets. Further, trick-or-treaters have different preferences. Whatever the case, candy, and preferences are not all the same. As a…