The Banker Next Door
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.
Episodes
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How are bank core systems dealing with stablecoins?
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....
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OCC issues GENIUS Act Final Rule, what does it mean for banks?
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…
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Bank News: Michigan CU buys FL bank, AI problems, strategy, layoffs, and tech scales!
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.…
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What are the best banking conferences coming up in 2027?
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…
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Strategy update, Bo Hines, Binance, FTX, Fiserv, and Tokenized Stock (Crypto Series Part XLIII)
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...
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BND: Strategy Room Bonus - Reviewing big banks 3Q earnings
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...
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BND: Strategy Room 10-24-2026
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.
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Review of Federal Reserve Survey of Consumer Finances from 2022 to 2025
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...
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Review of CSBS 2026 Annual Survey of Community Banks
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…
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Review of OCC report on Debanking by America's big banks
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...
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Is the U.S. winning the AI race?
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…
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Bank News: M&A news, Debanking, ICBA sues, AML fines, and AI and Stablecoin updates!
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…
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BND: Strategy Room Bonus - Checking in on banking industry performance
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…
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BND: Strategy Room 10-17-2026
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.
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Did the SEC make it easier for individuals to become Accredited Investors?
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...
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Nano Bank becomes sixth bank failure of 2026!
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...
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Interview with Old Glory Bank CEO, Mike Ring
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...
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We need to talk about 'Effective Altruism'!
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…
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Fintechs buying banks and banks buying fintechs!
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?…
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BND: Strategy Room Bonus - 7%+ mortgages, untapped equity, and new credit scoring models!
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...
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BND: Strategy Room 10-10-2026
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.
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Bank M&A Update: Modernizing bank merger competition, quality deposits, and Credit Unions
The industry is currently seeing a few trends in mergers and acquisitions. Recent M&A transactions suggest that quality deposits are in high demand and commanding a market premium. Acquirers are seeking banks with strong low-cost deposit franchises. Additionally, the FDIC is seeking to modernize...
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First Farmers Bank and Trust: How to do Digital Account Opening
Has your bank struggling with digital account opening? Perhaps because of persistent fraud issues? First Farmers Bank and Trust (“FFBT”) was not happy with their existing account opening process, which could take up to 45 minutes to complete. They decided to work with a fintech named Prelim....
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Bank News: Nano bank fails, Valley buys Bluevine, Amerant, Mission Lane, Peoples, & IPO success!
Bank News: Nano Bank becomes the 6th bank failure of 2026. Valley National Bank to purchase Bluevine for approximately $340M. Peoples Bancorp is cleared by the Fed to complete their purchase of Citizens National Corp and quickly announced their second purchase of 2026 with Capital Bancorp. Gulf...
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Chinese spy inside the Federal Reserve?
John Harold Rogers was prosecuted by federal authorities on one count of lying to investigators and one count of espionage. He was found guilty of lying to investigators but cleared on the espionage charge. He is currently serving a 38-month sentence. Mr. Rogers served as an economist and senior...
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Review of ICBA Advocacy in Action for 4Q 2026
What are the top regulatory issues in the banking industry for the 4th quarter of 2026? The banking lobby was able to get The Clarity Act stopped in the Senate, at least for now. The 21st Century Road to housing Act became law on June 10 and has several items that help banks. Final 1071 rule...
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BND: Strategy Room Bonus - When interest rates rise rapidly something always breaks!
This video is a clip from BND: Strategy Room Live Stream on September 26, 2026. As interest rates continue to rise, is there a correlation between rising bond yields and oil? Over the last week we saw rapid increases in the 30-Year Treasury and 10-Year Treasury. History shows us that as interest...
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BND: Strategy Room 10-4-2026
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.
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Reviewing ICBA's white paper on bank cyber insurance
ICBA recently released a white paper on bank cyber insurance. The paper discusses current market challenges which include escalating premiums and shrinking coverage, inconsistencies in underwriting, and exclusions, sublimits, and ambiguity. The current AI risk gap in cyber insurance is addressed....
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Fed, SEC, & CFTC propose crypto framework (Crypto Series Part XLII)
This is part 42 of the crypto series. Bitcoin has increased to $86K is the ‘crypto winter’ finally over? Circle gets a $100M investment from Binance to ramp up global push for their USDC coin. Bastion receives conditional approval from OCC to provide their ‘white label’ stablecoins for other...
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SBA Update: Loans down, eligibility rule barring green card holders, and size standards
SBA approvals are down 18% in 2026 compared to 2025. Loans are down because the SBA had to fix a lot of the problems coming out of the Biden administration. Namely, lax underwriting, which led to delinquencies, and expanding the programs to some lenders that should not have had access. SBA loans…
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Theranos & Elizabeth Holmes: An EPIC disaster!
On the eve of a new documentary titled “You Can See Everything” coming out in October, I thought it would be a good idea to revisit the epic disaster that was Elizabeth Holmes and Theranos. Theranos was a “Decacorn” start up, meaning it had a $10B valuation, that provided state of the art...
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Bank News: WestStar M&A, 3 new OCC bank charters, and Florida & New Orleans de novo's!
Bank News: WestStar Bank agreed to acquire Southwest Capital Bank, financial terms of the deal were not disclosed. First National Bank of Omaha continues to grow through smaller acquisitions. The bank has announced two acquisitions in the last four months. M&F Bancorp rejected unsolicited offer...
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BND: Strategy Room Bonus - The AI implosion!
This video is a clip from BND: Strategy Room Live Stream on September 19, 2026. The AI trade is imploding! In less than 30 days the narrative went from everything is great, we are making money, its IPO time, to there might be a few problems with our Frontier AI, to these AI systems might destroy...
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BND: Strategy Room 9-26-2026
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.
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Reviewing Federal Reserve Report on Silicon Valley Bank Failure
A new independent review conducted for the Federal Reserve by Starling Advisory Group on the failure of Silicon Valley Bank examined the role of the Federal Reserve supervisory staff to ask if they failed in their oversight of the bank. The report detailed seven critical findings. In releasing…
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BND: Strategy Room Bonus - Your 401(k) is in trouble!
This video is a clip from BND: Strategy Room Live Stream on September 19, 2026. As the situation with Mark Walter and his companies continues to unfold, it appears that he used retirement assets for his spending binge on professional sports franchises. As this comes to light, BlackRock is hard at...
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Are De Novo credit unions in trouble?
De Novo or start up credit unions are not performing well. Of the last five de novo credit unions, two have been liquidated and one is currently operating as “uncapitalized.” The two credit unions that were liquidated both failed within six months of starting, making them some of the quickest...
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Bank News: Bank7 renegotiations, Synapse victims, PNC, Regions & Citizens M&A, and Enova scraps!
Bank News: PNC, Regions, and Citizens executives don’t want to be distracted by potential M&A deals. PNC could be open to M&A, but current valuations make a deal unlikely. Citizens is open to bolt-on deals if they focus on the payments area. Bank7 is seeking to purchase 100% of Century Financial....
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BND: Strategy Room Bonus - Clarity Act in trouble, Tokenized stock a go!
This video is a clip from BND: Strategy Room Live Stream on September 19, 2026. The Clarity Act failed to advance through the Senate on a 50-49 vote. It needed 60 votes to pass. This failure puts this bill in real jeopardy as the midterm elections approach and both houses of Congress have gone on...
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The Clarity Act fails to advance! (Crypto Series Part XLI)
This is part 41 of the crypto series. The Clarity Act failed to advance out of the U.S. Senate. The measure failed on a 50-49 vote. It needed 60 votes to pass. Every democrat and three republicans voted against it. The failure puts the bill in serious jeopardy with the midterm elections coming up...
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Review of Bank Director's 2026 Technology Survey
According to Bank Director’s 2026 Technology Survey, banks are feeling the pressure from increased competition, emerging technology, and changing strategy. Key findings from the report include efficiency over growth, getting educated on artificial intelligence, gauging AI usage, integration...
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BND: Strategy Room Bonus - After quiet summer, Blue Owl & Jefferies Private Credit issues reignite!
This video is a clip from BND: Strategy Room Live Stream on September 12, 2026. Private Credit favorites Blue Owl and Jefferies face new issues. Jefferies is staring down a potential $500 million loss from Radiant World. Blue Owl Capital cut the value of its loans to Loparex to near zero. In...
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BND: Strategy Room 9-19-2026
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.
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Who is Jane Street?
Who is Jane Street? They are a mysterious high frequency trading hedge fund on Wall Street that seems to have its hands in everything with some questionable behavior. Jane Street was started in 2000 by three former executives of Susquehanna International Group and an IBM developer. There is no...
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Update on Monte Dei Paschi merger situation
Italian bank Monte Dei Paschi (BMPS) has had quite the saga over the last two years. BMPS has had CEO issues, multiple potential merger partners, rogue board members, and tons of media! Everything a good banking soap opera needs. When last we left BMPS, Intesa Sanpaolo made an offer to purchase…
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Security Bank & Trust AI Credit Workflow Example
Security Bank & Trust President Andy Schornack worked with several employees to develop an AI credit workflow solution for processing commercial loans. Andy had investigated several fintech providers and found they had several product solutions, but the costs were prohibitive at five and six...
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Review of Bain & Company's bank M&A report
Bain & Company recently released a report detailing their outlook on U.S. bank M&A through 2030. Some of the key findings include: 1) there will be at least one bank to cross the $1 trillion assets threshold but could be as high as 2-3 via M&A, 2) There will be continued consolidation for small…
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Bank News: Chime buys Stride, EverBank & Circle M&A, Block, Mercury, & FOMO!
Bank News: Chime to buy Stride for $590 million. Chime outgrew their partner model. Will the Chime deal lead to further fintech-bank competition? EverBank to purchase WaFd in a reverse merger for an approximate cost of $3.9 billion. Does this merger have execution risk? John Marshall Bancorp to...
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BND: Strategy Room Bonus - Have we entered an era of higher rates?
This video is a clip from BND: Strategy Room Live Stream on September 5, 2026. Bond market yields are not just increasing in the U.S. they are increasing all over the western world. France, Italy, UK, and Japan have all seen increasing 10-year treasury yields. The growing global debt of $350...
About this show
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.
Hosted by
Dr. Joseph Bergquist
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