Monthly Archives: October 2018

“Back in my day…”

Last night at dinner, my wife (who works for a large philanthropic organization) was telling the family about an interesting presentation she had heard at work about the decline of the retail space and the demand of the millennial consumer wanting “an experience”. She mentioned that when the macroeconomic slide came up, she rolled her… Read more

Can’t keep a good bank down: Last decade has seen struggles, successes for the industry

September 7, 2008 is the mortgage finance industry’s date of infamy. It’s now been a full decade since the secondary market siblings, Fannie Mae and Freddie Mac, have been in legal custody of the Federal Government. For many community banks, that date was the tipping point of a tortuous era of poor loan demand, sketchy… Read more

“Peeking Under the Hood:” Loan Products and Underwriting. Part 4 of 4

Today, we are wrapping up our series analyzing the FDIC’s Small Business Lending Survey from the community bank perspective. I must say that I have enjoyed this but it has taken me (and hopefully you as well) into directions that were not planned. I can’t say that I walked into this analysis with any expectations,… Read more

“Peeking Under The Hood”: What Are You Doing and What Is Your Competition Doing? Part 3 of 4

Today is Day 3 on “Peeking Under The Hood”. This is our look at the FDIC’s Small Business Lending Survey that examines how small businesses are serviced by the banking community. Today, we are delving deeper into understanding what banks are doing, why they’re doing it, and what the competition is doing in the same… Read more

“Peeking Under The Hood”: Markets and Competition. Part 2 of 4

Today is part 2 in a 4 part series called “Peeking Under The Hood”. It is a commentary on the FDIC’s Small Business Lending Survey released several days ago and provides some very interesting insights into small business lending across the banking industry. To catch up, you can read Part 1 here and I would… Read more

“Peeking Under The Hood: A look at small business lending. Part 1 of 4

Today, I’m starting a new blog series entitled “Peeking Under The Hood” where we will look at the FDIC’s Small Business Lending Survey released a few days ago. You can find a link to it here. Now, I know spending four days in an FDIC report is right up there with watching paint dry, the… Read more