Barret Blog



Now is the Time to Charter a New Bank

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Now is the Time to Charter a New Bank
The banking industry is in need of new community banks. At the beginning of 2010, there were 8,021 active banking charters across the United States. As of early May 2018, there were 5,585 active banking charters. That is a reduction of nearly 2,500 banking charters through acquisition, failure, or charter ...
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Community Bank Acquisition Due Diligence

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Community Bank Acquisition Due Diligence
The community bank mergers and acquisitions market is currently very active. While this has been the case for the past few years, the industry as a whole is in a much different place today than it was five years ago. During and coming out of the recession, much of the ...
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Know Thyself

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Who am I? How do I see myself? At the risk of turning a community banking blog into an existential conversation about the meaning of life…let me advise you to spend some time asking yourself that in light of your position as a community banker. Here’s why. In preparing a ...
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Is “Customer Service” Even a Thing Anymore?

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I think I have reached a milestone in my life. I’m starting to turn into the “GET OFF MY LAWN!” guy…and I’m completely ok with that! “Grumpy Old Men” and “Grumpier Old Men” are becoming less and less favorite comedies of mine and more like self-help films. I wish I ...
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No Loan Left Behind: Financing Unique Situations feat. Patrick Trammell

No Loan Left Behind: Financing Unique Situations feat. Patrick Trammell
PRESENTS: No Loan Left Behind: Financing Unique Situations Speaker: Patrick Trammell As the world becomes both smaller and more complex, Bankers are asked to consider more out of the box requests. This seminar addresses how to structure unique situations. Included are situations involving Importers, Turnaround Situations, Construction, Highly Seasonal Loans, ...
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Community Banking Month…#banklocal

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Community Banking Month...#banklocal
April is Community Banking Month if you didn’t already realize this. I fully realize that, more than likely, the town is not redecorating the square/Main Street/main hub in your honor and I seriously doubt the schoolchildren are coloring the pictures from “Great Moments in Banking” for you to hang on ...
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“I don’t wanna grow up…” The Power of Experience in Branding

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"I don't wanna grow up..." The Power of Experience in Branding
So, we've all heard the news about what was probably our first experience with a brand...Toys R Us. After the “right in the childhood!!!” moment this brought about, it really made me focus on the power of brands in our lives...and just how damanging financial mismanagement can destroy powerful (even ...
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Lesson learned…the hard way

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Lesson learned...the hard way
Recently, I read an article about the Ohio State Buckeye football team and how several of the players had been asked at the NFL Combine to recount their experience of the 55-24 loss at Iowa during the 2017 year that kept the Buckeyes out of the College Football Playoff.  Basically, ...
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Put Some Muscle To Your Customers’ Side Hustles

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Put Some Muscle To Your Customers’ Side Hustles
Recently, I saw a bank post on Twitter that they were running a promotion to spotlight their customers’ side hustles and it got me to thinking… a) What a great idea for a community bank to do! b) Just how important are these in our communities. If a bank is ...
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Universal Banker…it’s easier than you think

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Universal Banker...it's easier than you think
I love the efficiency ratio in banking. Sadly, this is not the geekiest thing I have ever written, but it is nonetheless true. In my humble opinion, it is the most informative ratio in all of finance with the possible exception of RoE in a DuPont context. (Now, THAT may ...
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