The Banker Next Door

Bank News: Fintech company Parker files for bankruptcy. JPMorgan is investing $14M in anti-fraud projects. White House names John Crews to NCUA board. Credit Union membership growth returns to positive territory in 1Q 2026. Payward, the parent company of Kraken, is seeking to get a bank charter from the OCC. Augustus Bank receives conditional charter approval from the OCC. Stellantis follows Ford...

This video is a clip from BND: Strategy Room Live Stream on May 16, 2026. This is an update on Private Credit. Private Equity has a problem as the industry has a glut of over $3 trillion in companies that need to be offloaded from their portfolios. PE net asset values are also being called into question. This leads us to Blue Owl. The valuation of their funds is coming into question. The Private C...

This video is a clip from BND: Strategy Room Live Stream on May 16, 2026. Rents for apartments are down for the 33rd straight month. April home sales disappointed. Only 11% of new construction is in urban areas. The majority of newly built residential homes are in the suburbs. If you do want to build a new house in an urban area the cost is very high. According to research from the National Associ...

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 semiannual OCC report on risks to the U.S. banking system found that bank financials remain sound but risks around cyber threats and fraud continue to be a concern.  Bank earnings, balance sheets, liquidity, and capital levels remain strong by historical standards. Credit risk is manageable but there are concerns such as the maturity wall and private credit. Past-due, nonaccrual, and charge-of...

The Federal Reserve Senior Loan Officer Opinion Survey (SLOOS) for April 2026 examines how bank senior lenders are feeling about loan demand and lending standards. This report is released on a quarterly basis. The report found tighter lending standards for C&I loans. Unchanged standards and weaker demand for CRE loans. Unchanged or easier terms for almost all loan policies across CRE loan cate...

Bank news: Failed Oklahoma Bank, First National Bank of Lindsey, ex-CEO Danny Seibel plead guilty to bank fraud and now faces up to 20 years in prison and a fine of up to $1 million. Cambridge Savings Bank has agreed to acquire First Seacoast Bank in an $80 million deal. BayFirst Bank makes a change at CEO and carries out an $80 million dollar capital raise. U.S. Bank takes a quieter approach to b...

Problems in the Private Credit Market continue to unfold as banks are now tightening lending standards around Nondepository Financial Institutions (NDFIs). As this is happening, Apollo Global Management is trying transparency by offering their investors daily valuations for their private-credit funds starting at the end of September. Most funds provide this information on a quarterly basis. Apollo...

China’s economy has been dealing with a number of issues over the last few years. Mainly a real estate bubble collapse and trade issues with the U.S. These issues are spilling over into the banking system in the form of rural banks. Forced mergers are being used to stem potential chaos. The banks being rolled up are known as “village and township banks”. Years of weak oversight, low capital, and r...

This video is a clip from BND: Strategy Room Live Stream on May 9, 2026. The White House is starting to change its tune on how it deals with AI. We have moved from full steam ahead to hold up, wait a minute, something ain’t right! Mythos has the Pentagon circling the wagons and the White House putting together a new executive order on AI. Meanwhile on the banking front, Jamie Dimon has his concern...

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.

Community Bank & Trust became the second bank failure of 2026 and the first bank failure in the state of Georgia in 10 years. Community Bank and Trust – West Georgia was closed by the FDIC on May 1, 2026. The bank had $288 million in assets as of December 31, 2025. The Federal Reserve had ordered the holding company of the bank to bolster board oversight and increase its capital position in Ap...

U.S. bank capital offerings were down 35.7% from the same period one year ago but increased 125.7% compared to the previous quarter. On the equity side, there was a surge in preferred equity offerings, but this was mainly attributed to a large offering from Wells Fargo. Common equity offerings continued to be subdued. On the debt side, senior debt issuance was the largest component at $23.88B. How...

Ford & GM are still recovering from major EV related losses, but Ford is seeking to create a midsize EV pickup truck for $30k. Meanwhile, dealerships are struggling with supply shortages due to a lack of aluminum. Carmakers are really counting on tariff refunds and service revenue to carry them due to a lack of sales. Despite these issues, local mom-and-pop car dealerships continue to consolid...

Lots of news in the banking world these days. This episode covers stories about bank M&A, 1071 update, new AI tools, De Novo’s, and more. Wells Fargo is delving deeper into trading activities after their asset cap penalty was removed. Lending Club is changing its name to Happen Bank. Sezzle, a buy now, pay later provider, is looking to create a ‘super app.’ Mission Lane applies to become a cre...

Delinquent loans in the Private Credit market continue to go bad as we have two new problems. Medallia, a software maker, can no longer repay about $3 billion in loans. Affordable Care, a dental service company, is in the process of restructuring a $1.4 billion loan to Blackstone and KKR. Overall delinquency in Blackstone’s largest private credit fund has spiked to 2.4% in the first quarter of 202...

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.

According to the Federal Reserve Small Business Credit Survey 2025 small to medium size businesses (SMBs) have some lending gaps. 49% of SMBs have unmet financial needs or experienced a financing shortfall. 46% felt lender requirements were too strict. Business lines of credit remain the most sought-after lending product. Community banks share of SMB lending market has been decreasing over the yea...

Banks received a reprieve at the end of 2025 as decreases in interest rates from the Federal Reserve coincided with a decrease in deposit pricing, helping to improve net interest margins. Banks can’t get complacent as competition is increasing and loan growth, while improving, remains somewhat spotty. Banks will have to make decisions about relationship value as it relates to tighter or looser pri...

Raising capital can be as much an art as it is a science. There are many factors to consider when deciding to raise capital such as the size of your institution, is your bank publicly traded or privately held, do you want to raise capital using debt or equity, if debt will it be senior debt or subordinated debt, and is raising capital cheap or expensive in the current environment? Before you do an...

This episode reviews lists of the largest banks by assets for the U.S., Europe, Asia-Pacific, Latin America, Middle East and Africa, and the world. What country’s bank has the largest amount of assets in the world? What is the largest bank by assets in Europe? In the U.S.? Did any banks jump up the list in 2025? Understanding who the largest players are in every market is critical to understanding...

This episode is an interview with author Richard Vague. We discuss his new book The Banker Who Made America: Thomas Willing and the rise of the American financial aristocracy. The book details the life of Thomas Willing a banker, merchant trader, and politician who bankrolled the American revolution and then fundamentally shaped the financial architecture of the new republic. Thomas Willing got hi...

This video is a clip from BND: Strategy Room Live Stream on April 25, 2026. The Department of Justice dropped its investigation into Jerome Powell over the cost overruns with the Federal Reserve headquarters project. By dropping the investigation, this should clear the way for Kevin Warsh to be confirmed as the next Federal Reserve chairman. Senator Tom Tillis was holding up the confirmation and w...

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.

This video is a clip from BND: Strategy Room Live Stream on April 18, 2026. As redemption requests continue to increase for Private Credit funds, Apollo CEO Marc Rowan thinks that ‘everyone is an idiot’. BlackRock is faring better than some of its peers including KKR, Apollo, Blue Owl, and Blackstone. Meanwhile regulators are starting to look hard at the insurance industry and its exposure to Priv...