Byron Earnheart

Byron Earnheart is the Programming Director for the Barret School of Banking in Memphis, TN and the host of the “Main Street Banking” podcast…the only podcast solely devoted to community banks. He has over 15 years experience in the financial services industry; 11 of which have been in banking in various roles from teller work to branch management. He spends his time playing guitar and singing in Delta Heart (the “house band of the Mississippi Delta”), writing music, cooking, hunting, fishing, reading, and enduring the UT Vols athletic seasons. He is married to his wife Kelly of 10 years and has two children, John Aubrey (8) and Mary Laura (5).

Byron Earnheart

CECL’s Impact on Community Banks from Moody’s Analytics.

There is an elephant in the room for community banks and that is the Current Expected Credit Loss (CECL) that is within several years of implementation. Potentially, it could have an impact to banks’ retained earnings but also has an impact on loan pricing and generally how banks view their credit exposure. It’s a shift …

CECL’s Impact on Community Banks from Moody’s Analytics. Read More »

Bankruption With John Waupsh

John Waupsh, Chief Innovation Officer at Kasasa, has written an outstanding book entitled “Bankruption” about how FinTech’s impact on community banks and what our response should be. There is no sugar-coating in his words, but the insights are very rewarding. This is a must-read for community bankers…regardless of title. Check it out on Amazon here: …

Bankruption With John Waupsh Read More »

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