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The Banker Next Door: Daily Summaries Delivered
by Dr. Joseph Bergquist
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.
Latest Episodes
The most recent episodes — sign up to get AI-powered summaries of each one.
- Yesterday16 min
The race is on to secure bank charters!
Banking regulators have been approving a lot of bank charters recently and multiple types of charters at that. De Novo charter, Trust Charter, National Bank Charter, and ILC Charter, to name a few. While the OCC is approving charters that does not mean their standards for attaining approval have diminished. There has been a surge of Crypto, fintech, and digital asset companies applying for various types of bank charters and Federal Reserve Master Accounts. However, time might be running out. President Trump’s second term ends in January 2029 and midterm elections are coming up in November. If Republicans lose control of the House of Representatives to the Democrats, things could change quickly. There has probably never been a more favorable time to seek a bank charter, but how much longer will it last? This episode examined an article from Bank Director titled “Applicants race to secure national bank charters.” A link to the article is included below. Link: Applicants Race To Secure National Bank Charters | Bank Director
- 2 days ago16 min
Examining the 7 types of check fraud
There are 7 different types of check fraud. They include new account fraud, check kiting, dormant account fraud, counter check fraud, withdrawal fraud, deposit ticket fraud, and split deposit fraud. Which type is the most common? Which is the most invisible? Which is the most evolving? Which is the most targeted? What can banks do to combat check fraud? Banks have many tools at their disposal including Positive Pay, SARs, customer education, Federal Reserve tools, and employee training. This episode examined a blog post from PCBB titled “Seven Types of Check Fraud – and How to Combat Them.” A link to the blog post is included below. Link: Seven Types of Check Fraud — and How to Combat Them
- 3 days ago18 min
Bank News: M&A news and approval times, charter updates, and bankers go to jail!
Bank News: First Financial buys Finward Bancorp in $208MM deal. Northrim BanCorp acquires PBCO Financial Corp in $167.3MM deal. Gesa Credit Union acquires Willamette Valley Bank. Mechanics & Farmers Bank will merge with Optus Bank. Upstart receives conditional bank charter from the OCC. Wise’s trust bank charter is rejected by the OCC over deficiencies. Former Bank of the Valley CFO, Aaron Luneke, sentenced to 36-month prison term for $4.3M loan scheme. Former TD Bank assistant store manager, Wilfredo Aquino, sentenced to prison for money laundering and fraud involvement. GOP lawmakers press the Fed to increase bank M&A approval timelines. Democrats grill new CFPB nominee, Brian Johnson, over his ties to Capital One and potential staff-cuts. This episode reviewed multiple articles from Banking Dive.
- 4 days ago12 min
Community Bank Earnings for 2Q 2026: NIM compression, loan growth, and expensive deposits
For 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
- 5 days ago17 min
Review of ICBA Advocacy in Action for 3Q 2026
What 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
- 6 days ago15 min
BND: Strategy Room Bonus - Increasing yields and the 30-year treasury
This 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.
- 1 weeks ago2h 25m
BND: Strategy Room 7-25-2026
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.
- 1 weeks ago16 min
Will increasing funding costs squeeze bank deposits?
Market 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).
About The Banker Next Door
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.
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