Main Street Banking

Seller’s Market? A guide to finding liquidity among your holdings

Quick: What’re the most saleable assets on your community bank’s balance sheet? If you get this wrong, you need to be running a “not-for-profit depository financial institution.” Bonds, of course. Most people I talk to consider the liquidity feature a close second (to safety) in importance when contemplating a purchase. That feature has come into …

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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 …

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“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, …

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“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 …

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“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 …

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"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 …

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Rates and Relationships: Conversation with Jim Reber of ICBA Securities

I sat down with Jim Reber of ICBA Securities to have a general conversation about what he does. We’ll be having Jim on once a quarter or so to give our listeners and brief market report as well as anything else going on in the bond and investment world that he runs across. Please feel …

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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 consolidation within a common parent …

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