The Banker Next Door

Managing interest rate risk is critically important. Banks usually do this through their Assets and Liability Committee (ALCO). ALCO examines how changes in interest rates impact earnings and equity value. They use several methodologies to do this. Net interest income is examined through Earnings at Risk (EAR) and equity value is examined through Economic Value of Equity (EVE). A gap or sensitivit...

This video is a clip from BND: Strategy Room Live Stream on October 24, 2026. European auto makers are getting crushed right now because of the hardcore pivot toward all electric vehicles, letting Chinese automakers into their market, and then further subsidizing said Chinese automakers. Now Volkswagen, BMW, Mercedes Benz, and Porsche are all cutting jobs and sustaining big losses. The U.S. auto i...

This video is a clip from BND: Strategy Room Live Stream on October 24, 2026. What do Private Credit, Insurance, and the Commercial Paper market on Wall Street have to do with your pension or retirement account? As Blue Owl continues to slump and Mark Walter’s problems mount, Private Credit is desperate to get into your retirement account! Why? What does Mark Walter’s investment in insurance compa...

The Banker Next Door (BND) weekly live stream show. Strategy Room provides financial news, commentary, top stories in the business world, economic indicators, and all things banking for the week.

What are the main banking core system providers doing with stablecoins? FIS and Fiserv came out of the gate with big announcements when the GENIUS Act was passed into law in 2025. FIS put out a plan that would allow clients the ability to make domestic and cross-border payments using Circle USDA. Fiserv planned to launch a digital assets platform and its own stablecoin called FIUSD. A year later a...

On October 21, 2026, the OCC issued GENIUS Act regulations: Final Rule. This Final Rule addressed standards and requirements related to activities, reserve assets, redemption, risk management, audits, reports, supervision, custody, applications, registrations, revocation, recission, and capital and operational backstop. The Final Rule stopped short of preventing stablecoin issuers from providing y...

Bank News: DFCU to purchase Gulfside Bank. PenAir CU to merge with Fort McClellan CU. Texas Bank to purchase Haskell National Bank. Cross River Bank to purchase Accrue. Triad Business Bank rejected by M&F Bancorp for the fourth time! Enova International and Grasshopper Bancorp terminate deal. Ramp applies for national trust bank charter. Sezzle applies for national bank charter. Upstart gets r...

What are the best banking conferences coming up in 2027? Here is a list of 9 conferences worth checking out: Acquire or Be Acquired, ABA Conference for Community Bankers, Fintech Meetup, ICBA Live, ABA Washington Summit, CBA Live, The Financial Brand Forum, National Credit Union CEO Roundtable, and ABA Risk and Compliance Conference. Buy your tickets, hop on a plane, and go on an adventure! This e...

This is part 43 of the crypto series. Checking in on Strategy. Their stock is climbing as Bitcoin is bouncing back. Their Bitcoin stockpile is back to their previous level before some recently selling. Michael Saylor believes that Bitcoin will go over $100K in 2027. Bo Hines might be in some trouble, at the very least the optics are terrible. While Bo was in the White House working on crypto legis...

This video is a clip from BND: Strategy Room Live Stream on October 17, 2026. The biggest banks in the U.S. reported third quarter earnings for 2026. JPMorgan reported a rare miss, Wells Fargo reported mixed results, Citigroup reported strong earnings, Goldman Sachs reported strong earnings, Bank of America reported disappointing numbers mainly related to a $1.2B fine for AML violations, BlackRock...

The Banker Next Door (BND) weekly live stream show. Strategy Room provides financial news, commentary, top stories in the business world, economic indicators, and all things banking for the week.

The Federal Reserve released their triennial report on consumer finances from 2022 to 2025. The report is broken down to cover five sections, which include Income, Net Worth, Assets, Debt, and Financial Vulnerability. Some of the key findings include the median net worth of people 75 or older surged 37%. Households in their 30’s saw their median net worth fall 23%, as income remained flat. Owning...

This annual report from CSBS covers a wide range of information on community banks. The report focuses on external risks including inflation, internal risks including cybersecurity, technology costs, credit, staff retention, interest rate risk, AI, fraud, deposit retention, and consumer compliance. Net interest margin and core deposit growth continue to be top risks. Concerns around regulations co...

This report from the OCC may prove to be one of the most consequential reports of the last 10 years. The 9 largest banks in the U.S. were caught ‘debanking’ clients for political and religious purposes. Obvious discrimination. But were these banks just following regulatory guidance behind reputational risk? Even if they were, it does not excuse what they did. This is a political issue. The Biden A...

America is in a major race with China over AI. What are the stakes? Just about everything! Who will be the dominate power in the world hangs in the balance. This episode sought to look at who’s winning the AI race? Can China win and what happens if they do? Beyond business and consumer applications there are major concerns around Cyber warfare and Military use. Both sides have some advantages. Ame...

Bank News: Third Coast Bancshares to purchase Great Plains Bancshares for $240M. TowneBank to purchase Blueharbor Bank for $154M. Pinnacle Bancorp to purchase Southern Bancshares. Byline Bancorp recent purchase will not stop them from pursuing another M&A deal. Anchorage digital to purchase payout platform Routable. Peoples Bancorp could be taking risks with most recent bank purchase. M&F...

This video is a clip from BND: Strategy Room Live Stream on October 10, 2026. How are banks currently performing? Wall Street is expecting record bonuses again in 2026. Update on M&A deal activity. Loan growth continues to be good, but there is concern around increasing interest rates and how that may affect margins in the third and fourth quarters. Banks continue to see increases in auto lend...

The Banker Next Door (BND) weekly live stream show. Strategy Room provides financial news, commentary, top stories in the business world, economic indicators, and all things banking for the week.

The Securities and Exchange Commission (SEC) approved plans to further open private markets or alternative assets to individual investors. Many investors are locked out of the best investments such as Hedge Funds, Private Equity, IPOs, private placement memorandums, etc. due to financial qualifications required by the SEC. Under current securities laws an individual must meet the financial criteri...

Nano Bank in Irvine, California has become the sixth bank failure of 2026! 2026 has now become the year with the largest number of bank failures this decade. The next largest year is 2017 with eight bank failures. In terms of asset size, the combined six bank failures this year account for approximately 1.41 billion is assets, which is minuscule compared to the $552 billion that was lost in 2023 w...

This episode is an interview with Old Glory Bank CEO, Mike Ring. Before Mr. Ring became CEO of Old Glory Bank, he worked as an attorney; earning a JD and LLM in taxation. He started his own law firm specializing in corporate and securities law. Mr. Ring is also the founder of multiple other businesses including Haymon Sports and Katz Broadcasting. Mr. Ring is a veteran, having served honorably in...

What is ‘Effective Altruism’ or EA? Is it a cult, philosophy, or just a bunch of weirdo’s living together at houses in San Fran? Kind of a mix of all three. EA has grown as a ‘philosophy’ over the last 25 years. The problem with this? Many of its acolytes permeate elite academia and Silicon Valley. Namely, OpenAI, Anthropic, the failed FTX, and the almost failed Situational Awareness. The idea beh...

There have been several deals in the last few years featuring fintechs buying banks. Some examples include SoFi purchasing Pacific Bank and Lending Club purchasing Radius Bank. But with the recent announcement of Valley National Bancorp purchasing Bluevine, could the script be about to flip? Could this be the first of multiple transactions involving banks purchasing fintechs? This deal is a game c...

This video is a clip from BND: Strategy Room Live Stream on October 4, 2026. The residential real estate market is dealing with a lot of challenges at the moment. Interest rates for a 30-year mortgage are well over 7.00%. This exacerbates the affordability issue. The residential market is also dealing with rising prices and the ‘lock in effect’, where property owners have locked in mortgages rates...

The Banker Next Door (BND) weekly live stream show. Strategy Room provides financial news, commentary, top stories in the business world, economic indicators, and all things banking for the week.