Podcast
The Banker Next Door
Hosted by Dr. Joseph Bergquist · EN
BND is focused on the U.S. Banking industry and how the industry intersects with finance, technology, and economics. Topics discussed can include all types of banking products and lines of business along with strategy, marketing, management, and leadership.
135episodes
Episodes
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Community Bank Earnings for 2Q 2026: NIM compression, loan growth, and expensive deposits
1w ago00:12:38Tap to summarizeFor the 2nd quarter of 2026, Community Banks saw some slight Net Interest Margin (NIM) compression, loan growth increased especially around C&I lending, underwriting tightened for C&I loans while CRE loans remained steady, and the deposit base remained sticky, but funding costs remain higher. There is a question now around the Federal Reserve and whether they will increase interest rates in the second half of 2026. This episode reviewed a blog post from PCBB titled “H2 2026 Outlook: Mixed Signals for Community Bank Earnings.” A link to the blog post has been included below. Link: H2 2026 Outlook: Mixed Signals for Community Bank Earnings
Transcribe →Review of ICBA Advocacy in Action for 3Q 2026
1w ago00:17:11Tap to summarizeWhat are the top regulatory ‘hot buttons’ for the banking industry? ICBA does a great job in covering the top regulatory concerns for the U.S. banking industry on a quarterly basis. Big issues currently include Digital Assets Regulatory Framework – the Clarity Act and the Genius Act, Farm Bill, Executive Order on Immigration Status, AI Executive Order, Deposit Insurance, 1033 Rule, Section 1071 Legislation, and Fed Master Account Access and OCC Trust Charter. Banks have additional concerns around fraud and credit unions buying banks. There have been some wins around legislation with the 21st Century Road to Housing Act and the Main Street Capital Access Act. This episode reviews ICBA’s Advocacy in Action for the 3rd quarter of 2026. A link to the PDF is included below. Link: top-issues-2
Transcribe →BND: Strategy Room Bonus - Increasing yields and the 30-year treasury
1w ago00:15:50Tap to summarizeThis video is a clip from BND: Strategy Room Live Stream on July 25, 2026. What do surging bond yields mean for consumers? This past week the escalation of the military conflict with Iran sent treasury yields soaring, especially the 10-year and 30-year treasuries. The 10-year treasury has a direct impact on residential mortgage rates, auto loan rates, credit card rates, and student loan rates. As the 10-year yield increases, so do borrowing costs. Why is the 30-year treasury so important? The 30-year treasury is a gauge of sensitivity. It gives us an indication of how confident investors are that a government will be able to pay its debt.
Transcribe →BND: Strategy Room 7-25-2026
1w ago02:25:38Tap to summarizeThe 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.
Transcribe →Will increasing funding costs squeeze bank deposits?
2w ago00:16:21Tap to summarizeMarket expectations now favor increasing interest rates and thus expectations around deposit cost pressures have changed. Many banks were hoping for continuing rate decreases to continue relieving funding cost pressures. With the market now expecting the Federal Reserve to increase the Federal Funds rate in the second half of 2026, this means that funding costs will stay flat for the moment and then rise with both rate increases and competitive pressures. If rates increase that means loan rates will increase and thus banks should be able to maintain net interest margin (NIM), however if loan demand decreases due to increased interest rates (loans become less affordable) then margins could compress with higher funding costs. This episode examined a series of articles from S&P Global Market Intelligence (subscription required).
Transcribe →Texas stock exchange is ready for takeoff!
2w ago00:17:23Tap to summarizeThe Texas Stock Exchange TXSE “tex-ee” is gearing up to start trading. With big IPOs getting ready to come to market the TXSE might be opening at just the right time. Texas has been laying the groundwork for making a run at a successful exchange with more Fortune 500 companies headquartered than any other state and the establishment of their own business court. The players are already coming. Goldman Sachs has 4,500 employees in Dallas. JPMorgan has more employees in Texas than New York. NYSE rebranded its electronic exchange in Chicago into NYSE Texas and moved to Texas. Nasdaq rebranded its BX electronic exchange into Nasdaq Texas and moved to the state. SpaceX chose to do a dual listing on Nasdaq and Nasdaq Texas for its IPO. TXSE is operating in temporary space right now but is planning to move into Bank of America Tower when construction is completed in 2027. This episode examined an article in The Wall Street Journal (subscription required) titled “There’s an IPO Gold Rush – and Texas is coming for New York.”
Transcribe →Bank News: PayPal sale, OppFi and Enova in trouble, Pitt De Novo, and unauthorized workers!
2w ago00:17:26Tap to summarizeBank News: Stripe and Advent have teamed up and put in an offer to purchase PayPal. First Bancorp of NC is purchasing First Carolina Bancshares Corp of SC for $166MM. First Hawaiian is purchasing Tri Counties Bank of CA for $2B. New de novo bank named Sagehaven Bancorp to form in Pittsburgh. Regulators issue guidance to banks on unauthorized workers. Jamie Dimon: Lake chose to retire. CFPB is working with union on future staff-cut plan. Bank of America chatbot Erica continues to grow. Custodia continues to plead their case for Fed master account. Citizens Bank to close 100 in-store branches and retool 50 other branches. State AGs taking a closer look at OppFi and Enova bank purchase deals. This episode examined multiple articles from Banking Dive.
Transcribe →BND: Strategy Room Bonus - Is the music about to stop for the AI bubble?
2w ago00:11:07Tap to summarizeThis video is a clip from BND: Strategy Room Live Stream on July 18, 2026. This video looks at a series of articles that examine the current state of the AI market. The White House announces AI clearinghouse. The White House created Gold Eagle, an initiative to enable AI innovation by creating a clearinghouse for cybersecurity vulnerability coordination. At the same time, Google DeepMind chief Demis Hassabis calls for the U.S. to spearhead an AI standards body. Chamath Palihapitiya says that companies’ earnings are going to be impacted by ‘tokenmaxxing’. Apple is suing OpenAI after accusing executives of stealing trade secrets. This is yet another problem for OpenAI as they are trying to complete an IPO. Current and former employees of Meta are suing the company alleging discrimination by using AI in layoffs. TSMC is set to invest another $100 billion in Arizona. The White House’s plan to fix Intel is working. Elon Musk built a huge data center in Memphis; it is now the epicenter of the data center backlash. Tech companies are overloading Wall Street with AI bond requests as their capex spending is out of sight. Data center builders are racing to offload ownership stakes that are worth billions. Why would they be doing that now? The rush for cash through IPO’s, bonds, and capital raises is threatening to overwhelm the bull market. Why is everyone rushing to get cash out? It seems like the AI bubble is in real danger. The music has not stopped, but it appears to be slowing. This episode examined a series of articles from The Wall Street Journal and CNBC.
Transcribe →Bank News: More bank charters, cannabis reform, SoFi lending, Fiserv drama, and more!
2w ago00:18:48Tap to summarizeBank News: SoFi gets into small business lending. CFPB gives employees warning on geographic reassignment. Valley Bank executive thinks AI is changing the conversation around build versus buy. Circle gets OCC full trust bank charter. Fed informs Iowa’s TS Banking Group that they need to increase capital levels for two subsidiary banks. Fed enforcement actions have been declining over the last decade according to Brookings. Easthampton, MA based Hometown Financial Group is purchasing Bedford, NH based Primary Bank for $160MM. Fiserv president exits again. U.S. bank is targeting Gen Z with a payments first strategy. PNC releases new mobile banking app. Sony receives OCC conditional approval for trust charter. AI will reshape financial services and regulations. Klarna applies for ILC charter. Lawmakers reintroduce cannabis legislation. Morgan Stanley gets OCC conditional approval for trust charter. EagleBank pays $9.7MM fine to resolve BSA violations. Regions bank purchases Frazer Lanier. This episode examined multiple articles from Banking Dive.
Transcribe →3rd and 4th bank failures of 2026 as regulators close banks in Indiana and Kansas
2w ago00:14:45Tap to summarizeKentland Federal Savings Loan Association (KFS) located in Kentland, Indiana and Small Business Bank (SBB) located in Lenexa, Kansas are the 3rd and 4th bank failures of 2026. KFS was closed on Friday, July 10th by the OCC after its capital position became critically undercapitalized. KFS had $3.73 million in assets at the time of its closing. Nearby (but unrelated) Kentland Bank was appointed receiver by the FDIC. SBB was closed on Friday, July 17th by Kansas state regulators after the bank was deemed to be significantly undercapitalized. SBB had $73 million in assets at the time of its closing. The Farmers State Bank agreed to assume all of SBB’s deposits and purchase some of its assets according to the FDIC, who is acting as receiver. The deposit insurance fund will incur small losses from both bank failures according to the FDIC. This episode examined multiple articles from S&P Global Market Intelligence and Banking Dive.
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