Podcasts by Category
The Paul W. Barret, Jr. School of Banking is a non-profit independent school created by and governed by a Board of Regents, whose members are executives from banks and other firms involved with the financial services industry.The mission of the School is to provide an adult learning experience for the career-oriented individual in commercial banking or a related financial services industry business.
- 226 - Ella The Banker: inspiring ALL children to be commercial bankers!
Shamim Okolloh is the VP for Community Outreach or Encore Bank in Little Rock...a second year student at the Barret Graduate School of Banking...and now a co-writer of an extremely important book in our industry. And it's a book she's co-written with her favorite co-writer...her son! It's a book inspiring kids (and particularly girls of color) to become commercial bankers! And it has opened up some amazing opportunities for discussions about banking, financial literacy, banking as a career...it's just awesome! Go check out the book at https://www.ellathebanker.com/ And, as always, many thanks to our sponsor, ICBA Securities, for helping us present this type of content! Check them out at...https://icba.org/icba-securities
Thu, 21 Mar 2024 - 31min - 225 - How To Handle The Anxiety Of Meeting, Reports, Etc With Justin Muscolino
Does leading meetings or meeting with clients or writing reports/memos fill you with anxiety or has it ever done so? I'll admit it...it does me! You can't help how things like that bother you BUT you can change how you deal with it. And to have someone with Justin's resume and experience sharing some of his "tips and tricks" that he teaches at the Barret Graduate School of Banking...well...it let's us know that we're not alone. Be sure to follow Justin on LinkedIn at: https://www.linkedin.com/in/justin-muscolino/ JTM Compliance Training at: https://jtmcompliancetraining.com/ And many thanks to our sponsors, ICBA Securities! Check them out at https://icbasecurities.com/
Wed, 14 Feb 2024 - 17min - 224 - Core Conversions Across Generations: Is It Possible? Chat with Siobhan Byron from Finastra
I'm always been fascinated with how banks manage through core conversions. Having lived through 2 myself...I get the frustrations. I've LIVED the frustrations! However, there's a good bit of talk around the differing communication requirements needed for each generation...and today's workforce has 4 generations intermingled together. All with different communication needs...all with different points of views...and if we were to throw a core conversion on top of that?!?!?! Siobhan Byron is EVP of Universal Banking at Finastra and she has seen the good, the bad, and ugly in this area over the years. She made some great points in our conversation that speak directly to the core conversion but, really, apply to so. much. more. in banking regarding ANY big decision we make. To learn more about Finastra, check out https://www.finastra.com/ And don't forget about our sponsors, ICBA Securities, at https://icbasecurities.com/
Thu, 25 Jan 2024 - 15min - 223 - Main Street Market Update January 11, 2024
When the numbers come out, we bring on Jim Reber (CEO of ICBA Securities) to explain them and put them in context. With the new CPI number out today...we did just that. Apologies for sounding like a chain smoking toad...sinus season in Memphis! And be sure to check out ICBA Securities at https://www.icba.org/icba-securities
Thu, 11 Jan 2024 - 09min - 222 - A Very Barret New Year 2024
Our final annual tradition is the "Very Barret New Year" episode where we get together and talk about the past year and what's on the horizon for the following year. Of course, when you get the three of us together...who knows what'll turn up. That's why we love working together! So...Happy Holidays to you and yours from all of us at the Barret School of Banking and ICBA Securities
Wed, 27 Dec 2023 - 42min - 221 - A Look Back at 2023 With Jimmy Sawyers pt 2
In part 2, we pick up with part 7 in our conversation with Jimmy. One of the longest running traditions on the podcast is our year in review with Jimmy Sawyers of Sawyers and Jacobs. Jimmy is an industry leader in cybersecurity and banking technology and each year he puts out a Top 10 Trends around this time of the year. So, what we like to do here is take his 2023 list and look backwards and see how the trends developed over the year. Check out Sawyers and Jacobs at https://sawyersjacobs.com/ And thank you to our sponsor, ICBA Securities! https://www.icba.org/icba-securities
Wed, 06 Dec 2023 - 28min - 220 - A Look Back at 2023 With Jimmy Sawyers pt 1
One of the longest running traditions on the podcast is our year in review with Jimmy Sawyers of Sawyers and Jacobs. Jimmy is an industry leader in cybersecurity and banking technology and each year he puts out a Top 10 Trends around this time of the year. So, what we like to do here is take his 2023 list and look backwards and see how the trends developed over the year. Check out Sawyers and Jacobs at https://sawyersjacobs.com/ And thank you to our sponsor, ICBA Securities! https://www.icba.org/icba-securities
Wed, 29 Nov 2023 - 33min - 219 - Blues, BBQ, And Barret...Chris and Byron Talk Music and Food
Walk off those extra turkey calories with Chris and Byron talking about music and food. It may surprise you that we don't spend every waking minute talking about banking. I know...shocking. But, we thought you'd like to hear what a typical Chris and Byron conversation sounds like...on two of our favorite topics. Just sit back and laugh along with us...enjoy our hot takes...criticize our opinions...we're ok with all of that! Don't forget to check out our sponsor, ICBA Securities, and thank them for letting us put out even this kind of content for the community banking industry. https://www.icba.org/icba-securities
Wed, 22 Nov 2023 - 44min - 218 - Deposit Price Wars: Breaking Out of that Cycle with Neil Stanley
Banks need deposits...banks raise deposit prices...or banks go to capital markets...bank down the street does the same thing...margins get thinner and thinner... Sound familiar? So, let's break out of that rut and rethink this idea of marginal cost of funds as well as the value of our franchises and incorporating an idea called "lifetime value of accounts". Honestly, it's the best long-term option community banks have in an environment like this. Neil Stanley is the CEO and Founder of The CorePoint. Check them out at https://thecorepoint.com/ And many thanks to ICBA Securities for their sponsorship and support. Check them out at https://www.icba.org/icba-securities
Wed, 15 Nov 2023 - 36min - 217 - 2023 Year In Review with Greyson Tuck
We have several end of the year traditions at Main Street Banking and taking a look back at the year with Gerrish Smith Tuck, PLC is one of them. Greyson Tuck is President of Gerrish Smith Tuck PLC and Gerrish Smith Tuck Consultants LLC located here in Memphis. They do extensive traveling, consulting, and teaching with community banks all over the country and have their fingers firmly implanted on the pulse of the industry. To get in touch with Greyson and/or to register for the publications mentioned on the podcast (and you should if you're not!) email him at gtuck@gerrish.com To learn more about the Board Chair Forum, visit https://barretbanking.org/landings/community-banking-board-chair-forum/ Finally, many thanks to our sponsor, ICBA Securities, for their support of our mission here! Visit them at https://www.icba.org/icba-securities
Wed, 08 Nov 2023 - 26min - 216 - Main Street Update October 2023
When there's economic news you can use for community banks, we bring Jim Reber to help explain. Jim is the CEO of ICBA Securities here in Memphis and one of the top subject matter experts in this area for community banks. Many thanks to him and ICBA Securities for the sponsorship of the show and willingness to help the community banking industry! https://www.icba.org/icba-securities
Fri, 06 Oct 2023 - 10min - 215 - GAPS in Communication: Chris and Byron Discuss the BGSB GAP Assignment's Results
For about 20 years, we have done a GAP Assessment where students are surveying the communication (by extension, then, the bank's culture). It's a look at the communication culture of the entire bank from multiple different angles and perspectives. It's always a fascinating look at banks to see where these gaps exist. And that's what led us to this. Over these nearly 20 years, we've had great insights into a good sample of community banks' cultures. We thought it was a good idea to share what we're seeing from this perspective with you all in hopes that you'll find some benefit. To read the white paper, https://barretbanking.ac-page.com/gaps-in-communication-whitepaper-2023 And many thanks to our sponsor, ICBA Securities, https://www.icba.org/icba-securities
Wed, 04 Oct 2023 - 33min - 214 - Stewardship and Banking pt 2
Continuing yesterday's conversation around stewardship and banking. If you haven't heard part 1, be sure to go check that out.
Thu, 14 Sep 2023 - 28min - 213 - Stewardship and Banking pt 1
Stewardship is a word that we don't use often in the banking world...and that's a shame. While many of us come from a faith tradition that brings a particular set of ideas along with the word, there are some very pertinent points that apply so specifically to banking that I think it wise to discuss them here. For me, this conversation (and those leading up to recording) really sharpened the focus of what it is we do. Eric Alexander has a long career in banking and recently started Six Arrows Consulting. You'll be hearing and seeing more from Eric over the coming months in our programming and I thought this was also a good place to introduce him to the Barret family. To learn more about Eric and Six Arrows, check out https://sixarrowsconsulting.com/ And many thanks to our sponsor, ICBA Securities for their continued support! https://www.icba.org/icba-securities
Wed, 13 Sep 2023 - 29min - 212 - What Happens When The Boss Gets Hit By A Bus?
So, the bank president gets hit by a bus...what happens? What about the CFO? Or the Compliance Officer? Is that a different story? With apologies to our friends in executive management (I swear, we're not trying to bump you off!), a large part of culture and engagement that we are missing is succession planning...and by that I mean more than what the regulators make us do. Stephen Ingalls is the Pres/CEO of Team Catalyzer that specializes in these types of discussions with community banks and has worked with community banks across the country. He brings a perspective to this conversation that I had not considered before and I hope you feel the same. Check out Team Catalyzer at https://teamcatalyzer.com/ and you can email Stephen at ingalls@teamcatalyzer.com As always, many thanks to our sponsors at ICBA Securities and be sure to check them out at https://www.icba.org/icba-securities
Wed, 02 Aug 2023 - 38min - 211 - Community Bank Employee Engagement Survey Results: Kyle Hershberger from Cross Financial pt 2
Thanks for coming back for part 2. If you missed part 1, please go back and listen so you'll be caught up! We talk a lot about engagement and culture and things like that. For some, it's an odd concept to get our minds around. Numbers people like...numbers. So, let's look at some. Each year, Cross Financial has done an engagement survey that specifically targets community bank employees and finds out where the needs are. Check out the results on the show page check out Cross Financial at www.crossfinancial.com/ Finally, may thanks to ICBA Securities for their sponsorship. Check them out at www.icba.org/icba-securities
Thu, 20 Jul 2023 - 27min - 210 - Community Bank Employee Engagement Survey Results: Kyle Hershberger from Cross Financial pt 1
We talk a lot about engagement and culture and things like that. For some, it's an odd concept to get our minds around. Numbers people like...numbers. So, let's look at some. Each year, Cross Financial has done an engagement survey that specifically targets community bank employees and finds out where the needs are. Check out the results on the show page check out Cross Financial at https://www.crossfinancial.com/ Finally, may thanks to ICBA Securities for their sponsorship. Check them out at https://www.icba.org/icba-securities
Wed, 19 Jul 2023 - 21min - 209 - Main Street Market Update July 2023
Whenever there's news community bankers can use regarding the goings-on in the markets...Jim Reber, CEO of ICBA Securities is who you need to know. We bring him on the show to fill us in on what is going on regarding our investment portfolios and offer insights into how community banks are effected. Be sure to check out ICBA Securities at https://www.icba.org/icba-securities
Fri, 07 Jul 2023 - 09min - 208 - Bridging the Knowledge Gap Through DEI: Shamim Okolloh Pt 2
We're continuing yesterday's conversation with Shamim Okolloh, VP Community Outreach Officer for Central Arkansas at Encore Bank. If you haven't heard yesterday's episode, go back and listen because you are, literally, jumping into the middle of a great conversation. Finding a place to split this up was tough. What I found so interesting about today's piece was Shamim's bringing back the community needs to the bank. Armed with the banking knowledge, she goes out into the world to reach those that many of us can't reach as easily and helps them get "lender ready". I love that phrase! I hope you've enjoyed this as much as I enjoyed recording. If you'd like to reach out to Shamim at shamim.okolloh@bankencore.net And a special thanks to ICBA Securities for the sponsorship. Be sure to check them out at www.icba.org/icba-securities
Thu, 06 Jul 2023 - 33min - 207 - Bridging the Knowledge Gap Through DEI: Shamim Okolloh Pt 1
Shamim Okolloh is VP Community Outreach Officer for Central Arkansas at Encore Bank. She is also a first year graduate school student here at Barret. During grad week, she and I had an awesome conversation about her role in bridging the gap between minorities/underbanked/unbanked communities. It was one of those conversations that you kick yourself for not having a mic ready to roll. So...I brought her back for the podcast so that we could all benefit from her perspective. If you'd like to reach out to Shamim at shamim.okolloh@bankencore.net And a special thanks to ICBA Securities for the sponsorship. Be sure to check them out at https://www.icba.org/icba-securities
Wed, 05 Jul 2023 - 32min - 206 - Mistakes Bankers Make With LinkedIn: Jack Hubbard
Jack Hubbard is, in my opinion, one of the reasons to be on LinkedIn. His content is one of the best I know in the industry and he's one of my go-to's in terms of banking content I need for my job. He also just schooled me on what I'm doing wrong on LinkedIn in this episode...LOL! And I think he'll do the same for you. Using LinkedIn as part of your sales process is a concept that, I think, we don't think about near enough. Today, Jack shows us the 8 mistakes he sees bankers make with LinkedIn...and how to fix them. Make sure you follow Jack and the Modern Banker on LinkedIn and many thanks to our sponsor, ICBA Securities for their support.
Wed, 21 Jun 2023 - 38min - 205 - ChatGPT Pt 2, Universal Deposit Insurance, and Other Soapboxes
I know it's been a minute since I followed up with the ChatGPT episode but I still wanted to talk about it since more news and insights have come out around AI. Needless to say too...it's been an interesting month around banking and it's time we have a serious chat about that. Don't forget to check out our sponsor, ICBA Securities at https://www.icba.org/icba-securities
Wed, 03 May 2023 - 27min - 204 - Distressed Loan Quiz Show with Michael Fielding
We'll get back to the ChatGPT pt 2 episode...but...because we are in the middle of our Commercial Lending Academy this week, I wanted to bring on Michael Fielding again from Husch Blackwell. Michael's been a frequent guest on the show and always has some really cool takes on distressed loans in ways that you may not have considered. I always enjoy having him on. Well, today, he's put together a quiz of some commercial lending situations that you may/may not have encountered...but good nonetheless. Test your knowledge!! Have to admit...I would've failed miserably! Be sure to check out Husch Blackwell at https://www.huschblackwell.com/ And many thanks to our sponsor, ICBA Securities at https://www.icba.org/icba-securities
Wed, 22 Mar 2023 - 27min - 203 - ChatGPT Takes Over the Podcast part 1
So, I decided to unleash Skynet and have AI write a podcast script. Here's the prompt I used to generate the script entirely as it is presented in the show: "Write a 2000 word podcast script about the importance of community banks emphasizing the benefits banks provide to low to moderate income communities. Begin the podcast with "Hey everyone! Welcome back to the Main Street Banking podcast" and end the podcast with a disclaimer that this has been written by AI. The target audience is bankers in these communities." 30 seconds later I had the script you hear on this episode. Now...was it good? Was it bad? Did it sound like a normal MSB podcast? That's what we'll talk about next week on the show as well as on the show's LinkedIn page during the next several days. Whether we like it or not...scared of it or not...embrace it or not...this tech is here and I don't think it's going anywhere. So, let's talk about it. Please make sure to check out our sponsor, ICBA Securities at https://www.icba.org/icba-securities
Wed, 08 Mar 2023 - 06min - 202 - Looking at some 5 year ratio trends for Community Banks...and not put you to sleep in the process
I know...that title is just jumping off the phone/tablet begging you to listen...because ratio analysis is just what you want to hear on a podcast. But...there are some trends in the $300MM to $1B group of banks that I think are interesting and probably worth discussing. Also, we're talking about trends...there's very few numbers here. I promise. If you do want to look at some numbers, go to the showpage and you can pull the "Average Bank"'s ratio chart. https://barretbanking.org/msbpodcasts/looking-at-some-5-year-ratio-trends-for-community-banks-and-not-put-you-to-sleep-in-the-process/
Wed, 01 Mar 2023 - 17min - 201 - Main Street Update Feb 2023 with ICBA Securities' Jim Reber
When the Fed meets, we bring the best in the business to break it down for us. Jim Reber, CEO of ICBA Securities, is not only the sponsor of the podcast but the best when it comes to helping community banks understand this type of information. Be sure to check out ICBA Securities at https://www.icba.org/icba-securities
Wed, 01 Feb 2023 - 07min - 200 - Jack Henry™: Fintech and the 5's...and also THE question we want to ask
Bringing "old school" lending into the digital world is pretty tricky. I sat down with Ken Summar (Director of Advisory Services with Jack Henry's Lending and Deposits Group) and Mark Messick (Director of Products with Jack Henry's Lending and Deposit Group) to talk about some of the uses for data in credit analysis that you might not have thought about. I hadn't, to be honest. But the big thing here is the last question. No matter how many times I've had the discussion around adding new technology to an existing core, the grumbling begins and more bourbon usually gets ordered. So, I asked Ken and Mark...why? So, the last several minutes are 2 executives from Jack Henry™, a major technology provider, answering the question we've all asked ourselves about the core. Hope you enjoyed it. I learned a ton. Jack Henry is a well-rounded financial technology company that strengthens the connections between people and their financial institutions through technology and services that reduce the barriers to financial health – with the purpose of empowering people and communities to gain the financial freedom to move forward. Visit jackhenry.com to learn more. Contact Mark Messick at MMessick@jackhenry.com.
Wed, 25 Jan 2023 - 29min - 199 - A Very Barret New Year: 2023
That time of year again...days are getting shorter, nights are longer, there's a chill in the air, children are playing with new toys are dreaming of Christmas' magic. And also time for Chris, Ashley, and Byron to sit down and record our end of the year chat! We love these! It's so much fun for us to share with you what we're thinking but also let you see why we love our jobs so much! Many thanks to ICBA Securities for sponsoring this show and allowing us to be authentic in our content! http://icbasecurities.com/
Wed, 21 Dec 2022 - 37min - 198 - Q4 Market Update: Jim Reber, CEO ICBA Securities
When the Fed talks, we ask Jim Reber on with ICBA Securities to give the community banking industry the news. Always good information to have. Be sure you check out Jim at http://icbasecurities.com/
Thu, 15 Dec 2022 - 07min - 197 - Looking Back on 2022 With Jimmy Sawyers: Pt 2
Part of what has become our traditional end of the year content on Main Street Banking has been to have Jimmy Sawyers from Sawyers and Jacobs on to check his annual tech predictions he makes each year. It's a twist on the "end of year" content and Jimmy is a long time faculty member, friend of the school, and all-around great guy! Part 2 includes his 2022 Tech predictions numbers 6-10 and we covered numbers 1-5 last week so be sure to check those out if you're lost. To read more about his Tech Predictions, check out the 2022 list at sawyersjacobs.com/wp-content/uploa…-Predictions.pdf And don't forget to check out our sponsor, ICBA Securities, at www.icba.org/icba-securities
Wed, 14 Dec 2022 - 35min - 196 - Looking Back on 2022 With Jimmy Sawyers: Pt 1
Part of what has become our traditional end of the year content on Main Street Banking has been to have Jimmy Sawyers from Sawyers and Jacobs on to check his annual tech predictions he makes each year. It's a twist on the "end of year" content and Jimmy is a long time faculty member, friend of the school, and all-around great guy! Part 1 includes his 2022 Tech predictions numbers 1-5 and we'll come back to 6-10 next week. To read more about his Tech Predictions, check out the 2022 list at https://sawyersjacobs.com/wp-content/uploads/2017/03/2022-Top-Ten-Predictions.pdf And don't forget to check out our sponsor, ICBA Securities, at https://www.icba.org/icba-securities
Wed, 07 Dec 2022 - 32min - 195 - End of the Year Discussion with Gerrish Smith Tuck
It's that time of year when we start with our annual "End of the Year" episodes and I love doing them! It's a great time to pull over and assess where things are in the industry and where we are heading. Nobody is better at that then the guys at Gerrish Smith Tuck. Phillip Smith and Greyson Tuck, both alums of the grad school, join Chris and I in discussing what they've seen across the industry and where it looks like we are heading next year. To learn more about Gerrish Smith Tuck, visit them at https://gerrish.com/ And please don't forget to visit our sponsor, ICBA Securities at https://www.icba.org/icba-securities
Wed, 30 Nov 2022 - 55min - 194 - Giving Thanks, Barret in 2023, and Podcast News
Turkey time and gratitude...plus some updates on the podcast and some things Barret's cooking up in 2023. Many thanks goes to our sponsor, ICBA Securities, for their continued sponsorship! https://www.icba.org/icba-securities
Wed, 16 Nov 2022 - 08min - 193 - Distressed Loans Best Practices: Avoiding Bankruptcy Clawbacks
Wrapping our distressed loans series, Michael gives the Main St Banking audience some advice about avoiding those dreaded clawbacks! Thanks to Husch Blackwell for working with us on this series. Check them out at https://www.huschblackwell.com/offices/KansasCity_MO And as always, many thanks to our sponsor, ICBA Securities, for their support. https://www.icba.org/icba-securities
Wed, 09 Nov 2022 - 32min - 192 - Distressed Loans Best Practices: DIP Financing
Not talking about cheese dip...we're talking debtor-in-possession financing. Interesting idea in the right circumstance. Check out Michael and Husch Blackwell at https://www.huschblackwell.com/offices/KansasCity_MO And thanks to our sponsors, ICBA Securities, at https://www.icba.org/icba-securities
Wed, 02 Nov 2022 - 19min - 191 - Distressed Loans Best Practices: Small Business Bankruptcy
New rules around small business bankruptcies could impact your bank. Michael Fielding breaks those down for us today. Check out Husch Blackwell at https://www.huschblackwell.com/offices/KansasCity_MO And don't forget our sponsor, ICBA Securities, at https://www.icba.org/icba-securities
Wed, 26 Oct 2022 - 21min - 190 - Distressed Loans Best Practices: Receiverships
Continuing with our distressed loans series, Michael Fielding is here to teach us about receiverships and their role in the process. Be sure to check out Husch Blackwell at https://www.huschblackwell.com/offices/KansasCity_MO And don't forget our sponsors, ICBA Securities at https://www.icba.org/icba-securities
Wed, 19 Oct 2022 - 23min - 189 - Distressed Loans Best Practices: Fobearance Agreements
Starting a 5 part series on Distressed Loans and Best Practices. We've brought back Michael Fielding to discuss several best practices for the next 5 weeks. Hope you enjoy it. Check out Husch Blackwell at https://www.huschblackwell.com/offices/KansasCity_MO And many thanks to our sponsor, ICBA Securities. https://www.icba.org/icba-securities
Wed, 12 Oct 2022 - 14min - 188 - A Conversation with Faith Weekly from the Fed's Institute of Economic Equity
Faith Weekly is a community development advisor at the Institute for Economic Equity at the Federal Reserve Bank of St. Louis. She talks with us about her experience working with banks, nonprofit organizations and government agencies to develop programs that promote affordable housing and neighborhood revitalization across the Eighth Federal Reserve District. She also discusses the Institute for Economic Equity’s annual State of Economic Equity series, which examines the challenges facing vulnerable workers and possible ways to improve their economic security. She also answers the hard question: Why does the Federal Reserve study economic equity? She also discussed her recently-published research on small-dollar mortgages and affordable housing, as well as her work on community land trusts and Black homeownership. Special thanks to our sponsor, ICBA Securities.
Wed, 05 Oct 2022 - 15min - 187 - Greatest Hits: Brad Federman.."Culture as a Coping Mechanism"
Going back to one of our favorite episodes, I wanted to make certain that it got repeated. Brad spoke at Lead FWD and some of his material can be heard in this episode. Also, his book is a must-read. If you don't have it, you need to go get it... and many thanks to our sponsor, ICBA Securities, for all they have done.
Wed, 28 Sep 2022 - 47min - 186 - Main St Banking Market Update: September 2022 with Jim Reber
Is 75 the new 25? Possibly! The Fed just wrapped up its meeting and continued to raise rates another 75 bps. As usual, whenever there's action by the Fed that impacts community banks, we have Jim Reber come on to break it all down for us. Be sure to check out ICBA Securities at https://www.icba.org/icba-securities And to register for their Balance Sheet Academy, go to https://www.surveymonkey.com/r/5HKLXPM
Wed, 21 Sep 2022 - 12min - 185 - Citi’s Move Into Mortgages for Low-To-Moderate Income Areas
Many community banks serve in low-to-moderate income areas and on September 9, Citi announced their new "HomeRun" program targeting mortgages in these areas. They don't pull any punches about coming after lenders in those areas as well as realtors and other community leaders that you, hopefully, work with. The traditional argument that these mortgages, too, are too risky also doesn't have to be that way and we'll take a look at why this really isn't the risky move it appears to be. Here's the article from CNBC: https://www.cnbc.com/2022/09/09/citi-expands-program-to-increase-homeownership-in-diverse-communities.html Be sure to check our sponsor, ICBA Securities, at https://www.icba.org/icba-securities
Wed, 14 Sep 2022 - 12min - 184 - Consumer Compliance Exam Cliff Notes
Why do a podcast episode on the template from the FDIC for consumer compliance exam? Well, for one...they give you the answer to the exam. They, literally, put out what the form looks like and what they're looking for. In my college classes, I'm not the most difficult professor on earth...but even I don't go that far. The main reason is that the old cliche is true...compliance is everyone's responsibility. Just because you are not a compliance officer, doesn't mean you don't have some role to play here. If you know what the examiners are going to ask your management, then you're going to know what management is going to be asking of you...in about 2 seconds after they are asked themselves. And the best part is...this is all publicly available information. I didn't sneak into the FDIC archives Tom Cruise-style and steal these. They emailed these out to the email list. I'll attach the files on the show page. Don't forget to check out our sponsor, ICBA Securities, at https://www.icba.org/icba-securities
Wed, 07 Sep 2022 - 15min - 183 - Learning From Each Other: Jay Toups and The Bankercast Podcast
I think, without fail, our small business customers want us to know something about them and at the same time, there are things that we wish we could get small business customers to understand about our side of things. Jay Toups, Pres/CEO of High Performance Teams has a long resume of working both with banks and small businesses. He is a long time faculty member at the Grad School here and consistently rated one of the highest faculty member. He also has a banking podcast that is fantastic called The Bankercast. You need to go check it out. Really good stuff. So, Jay and I got together and thought about things both sides of the table need to know about the other. It was an interesting conversation. Check out the Bankercast podcast on all of the podcast applications. And don't forget our sponsor, ICBA Securities at https://www.icba.org/icba-securities
Wed, 31 Aug 2022 - 39min - 182 - Physician, Heal Thyself! Pt 5
We're wrapping up this series today in asking the question..."what happens when a banker becomes the customer?" It's been eye-opening, to say the least. Basic question...do your accounts match what's listed on the website? Be sure to check out ICBA Securities at https://www.icba.org/icba-securities
Wed, 24 Aug 2022 - 09min - 181 - Physician, Heal Thyself! Pt 4
We finally closed!! It's been a journey but thankfully it's down to unpacking boxes. Today, we're looking at the importance of a good staff and loan closings. I've never understood why some bankers never go to any of their loan closings. That's odd to me...it's a perfect opportunity to build your relationships and set yourself apart from the pack. Be sure to check out our sponsor, ICBA Securities, at https://www.icba.org/icba-securities
Wed, 17 Aug 2022 - 09min - 180 - Physician, Heal Thyself! Pt 3
Well, like any real estate transaction...there's been some curveballs. And honestly, they didn't have to be. In today's look at what happens when a banker becomes the customer, we see some of the issues that continue to plague our industry. We have a lot of work to do...and, I'm sorry to admit, that not all lenders are superheroes. We have to outshine them...and we can! Be sure to check out our sponsors, ICBA Securities at https://www.icba.org/icba-securities
Wed, 10 Aug 2022 - 20min - 179 - Physician, Heal Thyself! Pt 2
We're continuing our series on looking at the question "What happens when a banker becomes the customer?" Today, we're looking at the process of selecting a new bank. As discussed in the episode, I am NOT saying that my thought process is the ONLY process...or even the right one. It's just mine and my family's. But, we're a dual income family, 2 kids, a dog, and a mortgage moving into a new community where our current bank does not have a presence. That's not all that unusual. So, let's walk through that through the eyes of a customer. Be sure to check out our sponsor, ICBA Securities at https://www.icba.org/icba-securities
Wed, 03 Aug 2022 - 20min - 178 - July 2022 Market Update with ICBA Securities
Big news this week coming from the Fed and other reports coming out as well. Lots of things to keep an eye on for community bankers and when it comes to these things, Jim Reber is the best in the business. Be sure you're following him on social media and be sure to check out their page at https://www.icba.org/icba-securities
Thu, 28 Jul 2022 - 09min - 177 - Physician, Heal Thyself! Part 1
Going to do be doing something a little different the next few weeks...my family and I are in the middle of buying/selling/moving. I know...we're crazy. But this whole process has made me look at being a banking customer differently. What happens when a banker is the customer? So, I thought we'd spend some time documenting this process but from that angle...when we are the customer, what can we learn about the banking business? Many thanks to our sponsor, ICBA Securities, for helping us put this podcast on! Check them out at https://www.icba.org/icba-securities
Wed, 27 Jul 2022 - 11min - 176 - Behind The Music: The Bankers of Delta Heart
It's not every day that you get to sit down and chat with the musicians you hear on a podcast...it's also not every day some of those musicians happen to be in banking! Today, we interview Porter "Doc" Robinson and Aubrey Earnheart...2 long time former bankers and get their advice from careers long devoted to the banking industry. These types of podcasts offer some extraordinary perspectives on the industry particularly to our younger audience. It's more than just career advice...it is reflections on what motivated individuals and hear their wisdom. That they just happen to be the drummer and guitar player in the intro music just happens to make it extra cool. If you're interested, you can check out our band's page at https://www.deltaheartmusic.com/ And as always, many thanks to our sponsor, ICBA Securities. Be sure to visit them at https://www.icba.org/icba-securities
Wed, 20 Jul 2022 - 48min - 175 - What Can You Do With Credit Data
As frequent listeners know, financial literacy is a big topic with me because I've seen it work in the lives of my customers. In addition, another big topic is bringing the power of fintech and "the big banks" into the hands of community bankers...particularly when you can integrate that into your bank's customer experience. I sat down today with Jacob Bouer, Director of Strategic Partnerships with Array to talk about these two issues. Their product tackles both of these big issues. These are ideas that helps banks be good by doing good. Check out Array at https://www.array.com/ And don't forget our sponsor, ICBA Securities, at https://www.icba.org/icba-securities
Wed, 13 Jul 2022 - 23min - 174 - Crypto And Community Banking
The whole "crypto" thing is something that community banks are going to have to figure out sooner rather than later. There is a TON of questions around it and, right now, we don't have a lot of answers. I sat down with Chris Doner, CEO of Access Softek, to discuss this and his company's approach to this and robo-investing. Check out their site at https://www.accesssoftek.com/ And don't forget our sponsors, ICBA Securities, at https://www.icba.org/icba-securities
Wed, 06 Jul 2022 - 13min - 173 - What Is Dead May Never Die
Wrapping up our graduate school week, I had an interesting experience that taught me a good bit about what is old...may not be dead. Just because loud voices like to announce the death of something, does not mean that the sky is necessarily falling. It's not really a binary paradigm in community banking. Said another way...it's not either/or. It's both/and. See, we have to be good at all aspects of human interaction and human relationships today. If you'll go back and listen to our episode with the Arkansas State students...you'll see that half of them never wanted to set foot in a branch and the other half did. These were well informed students of banking and finance too, mind you. So, with apologies to the Greyjoys of the Iron Islands...what is "dead" may truly never die. Be sure to check out our sponsor, ICBA Securities at https://www.icba.org/icba-securities
Wed, 22 Jun 2022 - 10min - 172 - June 2022: Market Update with Jim Reber, CEO of ICBA Securities
You may have noticed that there's been some news lately about the Federal Reserve's meeting this week. It was announced that the Fed has increased rates by .75% which is the largest rate increase since 1994. And when things like this happen...we turn to Jim Reber at ICBA Securities to bring you the latest insights. Be sure to check out their website at https://www.icba.org/icba-securities
Thu, 16 Jun 2022 - 09min - 171 - Conversation with Collateral Edge's Joe Beard part 2
One of the great things about this podcast is the really cool people we get to meet. Collateral Edge's CEO, Joe Beard is definitely one of those people. First, Collateral Edge is a really interesting idea that has the potential to do what we at the podcast strive to accomplish...change the world through community banking. Using the knowledge that he and his team have in investment banking, Collateral Edge is partnering with banks to better address credit needs in their community by reimaging middle market efficiencies. The implications here are HUGE for low-to-moderate income communities and fostering entrepreneurial development there. He also has written a good bit about leadership and culture...two other huge topics here at the podcast. Leveraging his career in the military (He's a West Point grad and held leadership positions in the military) he has some great points around this crucial topic. I wanted to pick his brain on these two areas and not leave out anything...thus...we had Joe for 2 weeks. I hope you enjoyed part 1 (and if you haven't listened to it...do so now!) Check out Collateral Edge at www.collateraledge.com/ And many thanks to our sponsor, ICBA Securities, for ensuring this type of content reaches the community banking industry. Be sure to visit them at www.icba.org/icba-securities
Wed, 15 Jun 2022 - 18min - 170 - Conversation with Collateral Edge's Joe Beard part 1
One of the great things about this podcast is the really cool people we get to meet. Collateral Edge's CEO, Joe Beard is definitely one of those people. First, Collateral Edge is a really interesting idea that has the potential to do what we at the podcast strive to accomplish...change the world through community banking. Using the knowledge that he and his team have in investment banking, Collateral Edge is partnering with banks to better address credit needs in their community by reimaging middle market efficiencies. The implications here are HUGE for low-to-moderate income communities and fostering entrepreneurial development there. He also has written a good bit about leadership and culture...two other huge topics here at the podcast. Leveraging his career in the military (He's a West Point grad and held leadership positions in the military) he has some great points around this crucial topic. I wanted to pick his brain on these two areas and not leave out anything...thus...we have Joe for 2 weeks. I hope you enjoy part 1 and stay tuned for part 2 next week. Check out Collateral Edge at https://www.collateraledge.com/ And many thanks to our sponsor, ICBA Securities, for ensuring this type of content reaches the community banking industry. Be sure to visit them at https://www.icba.org/icba-securities
Wed, 08 Jun 2022 - 16min - 169 - Pecan Pie, Social Content, And Community Banking
If there's anything we like more than banking around here...it's good food. Recently, I came across Hometown Bank of Alabama's website and, more particularly, their blog. It is definitely worth checking out. In addition to very timely and well designed financial information for customers (funding staycations, questions to ask when getting married, etc.) they have incorporated recipes from their employees and even highlighted their "kitchen" in video content. It's really cool stuff. It is a master class in targeted content marketing and providing a space for community around the bank. But even more than that...I think it's a great example of a bank being a part of a community that they know so very well. Check out their website at https://hometownbankal.com/ and their blog at https://hometownbankal.com/blog/ . I would like to give a special nod to Rose's Pecan Pie as it is the closest recipe I have found to my grandmother's pecan pie...and there is no higher compliment a southerner can bestow upon food!!! You'll also want to check out their YouTube channel for more long form videos. https://www.youtube.com/c/HomeTownBankofAlabama Finally, many thanks to ICBA Securities for their sponsorship. Be sure to check them out at https://www.icba.org/icba-securities
Wed, 01 Jun 2022 - 37min - 168 - Arkansas State Banking Students Ask The Right (and VERY Tough) Questions
I am a strong believer in the teaching of banking principles in academia. That's a soapbox for another day...but I had crazy idea earlier in the semester that I wanted to try. Dr. David Kern, a long time member of our faculty, also teaches Advanced Banking 1 and 2 at Arkansas State University. At the beginning of the semester, I asked him if, at the end of the semester, we could get his students on the podcast and fire questions at us about the banking industry. In addition, let's pick their brains about what they see from their perspective. What turned out was, in my opinion, a fascinating look at our industry from the banking leaders of tomorrow. To the students who participated...thank you! Best of luck to you as you start this exciting time in your life and please don't hesitate to reach out to us if there is anything we can do to help you in your banking adventure! Thank you to our sponsor, ICBA Securities, for their support...even when we do something "off the beaten path" like this! Check them out at https://www.icba.org/icba-securities
Wed, 25 May 2022 - 32min - 167 - Our Conversation with Teslar's Joe Ehrhardt part 2
Continuing last week's conversation, Joe and I delve into one of my favorite topics to discuss with fintechs...looking ahead. What do you see? Where are the blindspots? I think this is important for us to ask ourselves as well as our fintech partners. Any relationship has to see a future and know where that future is. Certainly things change...but if we're in sync with each other, then adjustments can always be made. To learn more about Teslar Software, check them out at https://www.teslarsoftware.com/home?hsLang=en And be sure to visit our sponsor, ICBA Securities at https://www.icba.org/icba-securities
Wed, 18 May 2022 - 24min - 166 - Our Conversation with Teslar's Joe Ehrhardt part 1
Teslar Software was one of the first cohort members of the ICBA ThinkTECH and, since then, has grown to great heights. It's awesome to watch this company grow and never losing their focus on the community banking industry...or their founding mission to simplify workflows for banks. And it's just grown from there. Today's part 1 of our conversation, Joe and I discuss Teslar's founding and 2020 when a software company in NW Arkansas ended up processing 20% of all the PPP forgiveness requests. To learn more about Teslar, check out their website at https://www.teslarsoftware.com/home?hsLang=en And thank you to our sponsor, ICBA Securities, for their support! https://www.icba.org/icba-securities
Wed, 11 May 2022 - 17min - 165 - May 2022 Market Update with ICBA Securities
It's been a busy week with news impacting the markets and, therefore, community banks. ICBA Securities CEO Jim Reber is our go-to to keep us updated on this information and, as a result, we didn't want to wait until our regular drop day to bring you this update.
Fri, 06 May 2022 - 09min - 164 - The Art Of The Possible: What is BaaS?
If there's one thing banking does...it's come up with acronyms! DDA, MOU, CRA, DEI, OREO (my favorite)...and recently BaaS. So, what is "banking as a service"? What does it really mean? What does it do for us? Why is it something that we need to pay attention to in the community banking industry? Angus Ross, Chief Growth and Revenue Officer for BaaS at Finastra stopped by to have this conversation with us. We reference the whitepaper that Finastra commissioned several times on the show and you can find that here: https://www.finastra.com/viewpoints/white-paper/baas-global-outlook-2022 You can learn more about Finastra at https://www.finastra.com/ And finally, don't forget our sponsor, ICBA Securities and the good work they do. Learn more about them at https://www.icba.org/icba-securities
Wed, 04 May 2022 - 20min - 163 - Using Data To Do Our Day Jobs
We've all heard the adage "know thyself". As in life, it is very true in the community banking world. There's just so much data...so much to know about different things. Today, David Ruffin from IntelliCredit is on the podcast to talk about how data can help in so many different areas of the bank...credit risk, financial performance, peer comparison, individual production...the list goes on and on. Check out IntelliCredit at https://intellicredit.com/ And don't forget our sponsor, ICBA Securities, at https://www.icba.org/icba-securities
Wed, 27 Apr 2022 - 40min - 162 - Consumer Lending, AI, and Serving Underrepresented Communities. Jeff Keltner with Upstart
A lot to unpack today in just one 20 minute episode. Jeff Keltner, SVP of Business Development with Upstart, came by initially to talk about embedded finance and how it is used with community banks...especially in the auto lending field. As often happens on Main Street Banking, the conversation went several different places and we talked about big data's impact on credit risk and how using AI/Machine Learning can benefit the underrepresented communities across the country. Fascinating conversation. To learn more about Upstart, check them out at https://www.upstart.com/ And as always, thank you to ICBA Securities for sponsoring the show! https://www.icba.org/icba-securities
Wed, 20 Apr 2022 - 24min - 161 - Main Street Banking Book Club
I thought that we should try something a little different. For awhile now, we've been talking about trying to get some kind of book club together and it hit me that doing this through the podcast might work. It might not...but we'll see. If you don't already, follow the podcast's LinkedIn page https://www.linkedin.com/showcase/main-street-banking-a-podcast-for-community-bankers and post a book suggestion. I'll put some posts out there too to remind you. Also, follow the hashtag #MainStreetBankingBookClub on LinkedIn. We'll announce the book and then just commit to read it together and talk about it. Let's see what happens. As always, thanks to our sponsor, ICBA Securities for their support! https://www.icba.org/icba-securities
Wed, 06 Apr 2022 - 06min - 160 - Women In Banking: Pull Up A Chair! You Belong At The Table
In honor of National Women's History Month, we are going to have a conversation that is long overdue. We have today Alice Frazier (CEO of Charles Town Bank in Charles Town, WVa) and Kathy Underwood (CEO of Ledyard National Bank in Hanover, NH) to discuss their careers, leadership lessons, their advice to female bankers, and much more. These are two outstanding leaders in the community banking industry and have had an amazing career thus far with much more ahead. It turned out to be one of, I think, the best episodes we've done. Many thanks to ICBA Securities for their sponsorship and check them out at https://www.icba.org/icba-securities
Wed, 30 Mar 2022 - 45min - 159 - Main Street Banking Market Update with Jim Reber, ICBA Securities: May 16th Fed Decision
As most of us know, the Federal Reserve last week upped their rate by 25 bps. This is the 3rd time in the 21st century that this has happened and this is likely to have an impact on your bank's balance sheets. Jim Reber, CEO of ICBA Securities, is on today to give us his market update for community banks. To learn more about ICBA Securities and to learn more about the class referenced in the episode, check out https://www.icba.org/icba-securities
Wed, 23 Mar 2022 - 11min - 158 - The Cloud, Culture, Software...It All Works Together. Will Cameron with nCino
It's not often that you can have a 20 or so minute conversation with a large software company about corporate culture, the cloud, and community banking. I really enjoyed getting to know Will Cameron (SVP of Community and Regional Banking) with nCino. Their partnerships with community banks is an approach that listeners of the show will know is the way forward for the industry and Will is a fellow true believer when it comes to having the software tools and the culture in line in order to thrive. Check out nCino at https://www.ncino.com/ And don't forget our sponsor, ICBA Securities, at https://www.icba.org/icba-securities
Wed, 16 Mar 2022 - 24min - 157 - Culture As A Coping Mechanism Today...Behaviors We Are Willing To Accept
It is safe to say that the world has changed. Outside of that being the most obvious statement that you've read on the show notes, the important questions are...how do we maintain it and why is it important. Any long time listener to the podcast knows this is a huge topic with us, but that doesn't mean we won't visit this often particularly when we can have Brad Federman on to discuss this! Brad is the founder/CEO of PerformancePoint LLC here in Memphis and one of our highest rated faculty members at the graduate school. A member of the Forbes Coaches Council, he is one of the leading voices in corporate culture and its impact on performance. He also has new book out that entitled Cultivating Culture that you can find at https://www.amazon.com/dp/1637740638?psc=1&smid=ATVPDKIKX0DER&ref_=chk_typ_imgToDp I'm going to embed a preview of the book on the Barret site so be sure to check that out. Also, be sure to check out PerformancePoint at https://performancepointllc.com/ and finally, many thanks to ICBA Securities for their sponsorship of the podcast which allows us to have this type of content that we feel is VERY necessary for the community banking industry. Find out more about them at https://www.icba.org/icba-securities
Wed, 09 Mar 2022 - 46min - 156 - Digital Awakening: An "Off The Rails" Conversation with Botdoc
Today we are wrapping up the ICBA Live event! Hope you have enjoyed getting back together with your family of bankers and just reconnected. I've been wanting to bring back the guys from Botdoc for awhile and we finally were able to coordinate schedules to make it happen. Botdoc is an alum of the ICBA ThinkTECH Accelerator Powered by the Venture Center. We have a really fun conversation with Kevin Falk and Tracy Fox from Botdoc about innovation and the human experience and how to think about innovation in your bank...and then...things go off the rails, but we had a ton of fun talking about things we are passionate about around community banking. It's about as authentic of a podcast episode as I know how to make. Go check out Botdoc at https://botdoc.io/ Also, don't forget to check out our sponsor, ICBA Securities, at https://www.icba.org/icba-securities
Wed, 02 Mar 2022 - 51min - 155 - Advice to Community Bankers from Pres Kennedy
If you follow any of the community banking lists on Twitter, it won't take you long before you come across Pres Kennedy. He is one of the leading voices in the community banking industry. He is not shy to talk about his feelings on advocacy...at all! However, what I found interesting was his thoughts on the succession planning his bank recently undertook as well as his advice to bankers. Listeners and readers of Barret's content will know that I try and ask bankers that are moving into that post-daily banking phase...what will you miss? I have yet to be disappointed in the answer and always find I have learned something new. I hope you feel the same here. To follow Pres on Twitter (and you really should) search for @BankPres And don't forget to check out our sponsor, ICBA Securities, at https://www.icba.org/icba-securities
Wed, 23 Feb 2022 - 30min - 154 - Social Media and Community Banks, ICBA Live, and much more! Vanessa Hanson with ICBA
Vanessa Hanson is the Digital and Social Engagement Director for the ICBA. Her passion for engagement via social media is palpable and I know you'll see that in the podcast. In addition, we both are attending ICBA Live in San Antonio this year and have some really cool ideas for that as well! All in all, it was a great conversation about community banks' approach to social engagement, what works, and why it works. As always, many thanks to our sponsor, ICBA Securities! Be sure you check them out at https://www.icba.org/icba-securities
Wed, 16 Feb 2022 - 22min - 153 - Compliance As A Marketing Tool
We've all dealt with it. KYC...Know Your Customer. I am definitely not downplaying it's role in compliance and the safety of the bank, but let's be honest...we believe we already "know our customers", right? Let's set aside how we really don't know every single one of our customers and the implications there around money-laundering and the like and ask a different question...what about in new markets? Do you know Joe the grocer or Bill the plumber or Susie the lawyer there? Jamie Ramirez is the CEO of Preventor, a next-gen ID verification and financial crime risk management firm. In talking with him leading into the show, he talked about this idea of KYC expanding into new markets. I'd never considered that before. If I'm being honest...KYC was something I made sure our CSR's were doing, I'd tow the company line because I understood why (although it was a pain), and the loan ops department would occasionally have to remind me to get ID's on customers. But approaching KYC as a crucial part of the marketing strategy?! Never thought of that...so, we talked about that in today's podcast. Check out Preventor at https://preventor.com/ And as always, be sure to visit our sponsor, ICBA Securities at https://www.icba.org/icba-securities
Wed, 09 Feb 2022 - 12min - 152 - Main Street Banking Market Update with Jim Reber: January 2022
The Fed had their quarterly meetings last week. Here today to give us an update on this and what it means for community banks is Jim Reber, Pres/CEO of ICBA Securities. We thank Jim for his sponsorship as well as coming on to give us updates in this area for us. Be sure to check out their site at https://www.icba.org/icba-securities
Thu, 03 Feb 2022 - 09min - 151 - Outside The Vault: Are You That Community Hero?
How are we going to leave this thing we call community banking to the next generation? That's the question I struggled with as a judged a district competition for young business leaders. The talent level of these students is off the charts. Our industry, if we engage in ways that are meaningful and consistent, will be in good hands. BUT...we have to engage in ways that are meaningful and consistent. The old playbook needs to be thrown out the window. It's time to get in the classrooms and get involved! I mentioned the Barret Roundtable in this. Here's the site if you'd like more information about it https://barretbanking.org/landings/roundtable-series/ Also, many thanks to our sponsor, ICBA Securities. https://www.icba.org/icba-securities
Wed, 26 Jan 2022 - 13min - 150 - Branch Experience that Goes Hand In Hand With Digital
Sharon Anderson, President and CEO of Williamstown Bank in West Virginia faced the same problems most community banks face...intense competition, decline of lobby traffic, etc. To boot, she took over the week before the pandemic really took off in March 2020. But that didn't stop her...the bank started a donation based coffee shop and decided to undertake renovating the branches. This brings us to David Welsh with the La Macchia Group. La Macchia has a very interesting approach in working with banks and other financial institutions to change their engagements with the community and one of the main areas here is rethinking the branch design. I'm betting that most of us could get around in most community bank branches fairly easily. The layout hasn't changed much. But...what if it did? What if we approached this like the title of the show says (a direct quote from Sharon in the episode)...we created a branch experience that goes hand-in-hand with our digital one? Check out La Macchia here: https://www.lamacchiagroup.com/ Learn more about Williamstown Bank and The Giving Cup here: https://www.williamstownbank.com/ And as always, many thanks to our sponsor, ICBA Securities: https://www.icba.org/icba-securities
Wed, 19 Jan 2022 - 35min - 149 - Aiding An Ecosystem--Carey Ransom with BankTech Ventures
As you may have noticed on the show over the last few months, we've been featuring more fintech than normal. The reason, as I described in this episode, is that we are continuing to see a more relationship-driven approach to the fintech in regards to community banks. Today's episode with Carey Ransom, Managing Director of BankTech Ventures, takes a little different perspective on this...from the venture capital side. I thought that was a different angle to view this relationship than many of you had ever thought about before (I had not!) Check out BankTech Ventures at https://banktechventures.com/ And don't forget our sponsor, ICBA Securities at https://www.icba.org/icba-securities
Wed, 12 Jan 2022 - 31min - 148 - Identifying And Managing Risk with Amanda Cohen from Resolver
Community bankers deal with risk everyday. We know this...but we also know that the sheer breadth of al things deemed "risk" or "compliance" grows every day and the size of your team does not. It is imperative that we know what we are looking at, but more importantly, begin to think about what we need to be looking at and thinking through that process. Amanda Cohen, Director of Product at Resolver, has some outstanding insights into guiding community banks looking to reevaluate their process here. To learn more about Resolver, find them at https://www.resolver.com/ Also, many thanks to our sponsor, ICBA Securities: https://www.icba.org/icba-securities
Wed, 05 Jan 2022 - 18min - 147 - A look back...and forward...with Charles Potts, CIO with ICBA
The ICBA has done some amazing work over the past few years with the ThinkTECH Accelerator partnering with The Venture Center. I know we talk about them a good bit...but that's how impressive the whole operation is. Charles Potts, Chief Innovation Officer with the ICBA, is back again to give us his look back on 2021, his look forward to 2022, and his "wish list" of areas community banks and fintechs still need to work on. To learn more about the ThinkTECH Accelerator, check out the page at: https://www.icba.org/solutions/innovation/accelerator As always, many thanks to ICBA Securities for their sponsorship! https://www.icba.org/icba-securities
Wed, 29 Dec 2021 - 44min - 146 - A Very Barret New Year 2022
Literally my favorite episode each year. In keeping with what has become a traditional line-up at the end of the year, and like all traditions during the holiday season...it's time to get the family today and laugh. That's what this episode is for us as the Barret staff...a look into who we are and what we do. We take a look back at 2021, a look ahead at 2022, and discuss some things we're hoping to work on personally. We love this time...and we are grateful to share this with you. Merry Christmas! Please don't forget our sponsor ICBA Securities: https://www.icba.org/icba-securities
Wed, 22 Dec 2021 - 52min - 145 - Jimmy Sawyers Pt 2
Continuing our conversation with Jimmy Sawyers about his 2021 Predictions and how they came to pan out during the year. Sawyers and Jacobs is a phenomenal firm and we're very lucky to partner with them for grad school and in their events. They've got some great programs coming up that you can check out and register for here: https://sawyersjacobs.com/events/ And don't forget our sponsor, ICBA Securities at https://www.icba.org/icba-securities
Wed, 15 Dec 2021 - 40min - 144 - Sawyers and Jacobs' 2021 Predictions Review pt 1
One of the traditions of Main Street Banking has been having Jimmy Sawyers, long time faculty member and friend to Barret, on to review his annual predictions he makes at the beginning of each year. It's a little different twist on the average "end of the year" content and Jimmy's a good sport about it. Honestly though, he gets it spot-on a vast majority of the time! Sawyers and Jacobs has some great programs coming up that you can check out here: https://sawyersjacobs.com/events/ And as always, we are grateful to our sponsor ICBA Securities:https://www.icba.org/icba-securities
Wed, 08 Dec 2021 - 40min - 143 - Looking ahead to 2022 with Phillip Smith and Greyson Tuck with Gerrish Smith Tuck
It's getting to be that time of year when we start doing the "year in review" and "looking ahead" podcast episodes. I really enjoy these as they gives banks a good place to pause, reflect, and change course if needed. Today's episode with Philip and Greyson is a good look at this from the perspective of the board of directors. What does the M&A market look like? What does DEI and ESG look like for 2022? These are questions we all need to consider heading into the new year. Check out Gerrish Smith Tuck at http://gerrish.com/ And don't forget our sponsor, ICBA Securities at https://www.icba.org/icba-securities
Wed, 01 Dec 2021 - 52min - 142 - 2021 Community Banking Gratitude
Each year, at this time, I think most of us take the time to reflect on the things we are thankful for in life. We did this last year on the podcast and I'd like to do it again. Here's my list of things that I am thankful for in the community banking industry in 2021. Thanks to ICBA Securities for their sponsorship and be sure to check them out at https://www.icba.org/icba-securities
Wed, 24 Nov 2021 - 26min - 141 - Leaning Into Your Community...and Craft Beer
We love to tell the stories of community banks that are doing things...differently. They embody the term "community banking". First International Bank and Trust in North Dakota fits this mold perfectly. 4th generation bank...owned by the same family...fantastic growth...led the way in reviving their hometown...and opened up a steak house and a brewery. If you know Chris and I, then you know this is our kind of bank!! Check out First International Bank and Trust at https://www.fibt.com/ And as always, many thanks to our sponsor, ICBA Securities, at https://www.icba.org/icba-securities
Wed, 10 Nov 2021 - 38min - 140 - The IRS Reporting Proposal: A Discussion with Paul Merski with the ICBA
As most of you are aware, there is a great deal of discussion in the national arena around the proposed IRS Reporting Guidelines. Given it's potential impact to the community banking industry and the community's we serve, it's important that we educate ourselves as to what is going on and what we can do to help. Paul Merski is the EVP for Congressional Relations at the ICBA and he (along with the rest of the ICBA's leadership) has been at the head of the industry's efforts to combat this proposal. To get involved, go to https://www.icba.org/bank-locally/consumer-alert-from-icba and share that site with your community so that your congressional representatives know your position. As always, many thanks as well to our sponsor ICBA Securities. Check them out at https://www.icba.org/icba-securities
Wed, 03 Nov 2021 - 16min - 139 - Banking: Good Enough For Everyone...a conversation with Miguel Lopez from Encore Bank
DEI...ESG...just two more abbreviations in the alphabet soup of banking? Hardly. Recently, Miguel Lopez was highlighted on the ICBA's blog for his efforts in reaching out to the underserved Hispanic market in Encore Bank's ever-expanding footprint. I asked him to come on and talk about the article and relay some insights to the community banking industry at large. What followed was, in my opinion, one of the most impactful conversations we've had on the podcast. It is a very open and honest conversation around diversity and inclusion in the community banking industry and Miguel's own experiences as a member of the Hispanic community. The most impactful statement (and the origin of the episode's title) was "Banking is either good enough for everyone...or it's not good enough for anyone". I challenge our listeners to think about that statement...and regardless of your politics...think about what that could mean to your employees and your communities that you serve. If you'd like to talk to Miguel more, email him at miguel.lopez@bankencore.com And many thanks to our sponsor, ICBA Securities, https://www.icba.org/icba-securities
Wed, 27 Oct 2021 - 42min - 138 - Benefits And Work Life Tension: Brad Federman with PerformancePoint LLC
If you've attended the Barret Graduate School of Banking (and you really should!), you will have had Brad Federman with PerformancePoint LLC. A member of the Forbes Coaches Council and featured speaker/author all over the country, Brad is a true thought leader (and I don't use that term everyday) in the realm of HR issues, emotional intelligence, culture, and employee engagement. Recently, he wrote an article HR Professionals Magazine about Using Benefits to Trim Work Life Tension. The article is linked below and (after you listen to the episode!) you need to read this article. He has talks about some very harsh truths in the workforce today and has some very cool ideas that banks can use to remedy this tension. It's great stuff...and can, literally, change the way your employees feel and therefore perform. Here's the article that you need to read: https://hrprofessionalsmagazine.com/2021/10/05/using-benefits-to-trim-work-life-tension/ Find out more about PerformancePoint at https://performancepointllc.com/ And as always, many thanks to our sponsor, ICBA Securities: https://www.icba.org/icba-securities
Wed, 20 Oct 2021 - 25min - 137 - Another Greatest Hit..."Mission Driven Innovation" with Charles Potts from ICBA
Due to a unavoidable scheduling situation, we aren't able to bring you the episode we had planned...but no worries...we're bringing out another "Greatest Hit"..."Mission Driven Innovation" with Charles Potts from the ICBA. Charles Potts is the SVP and Chief Innovation Officer for the Independent Community Bankers of America. "Innovation" and "community bankers" don't often go together you might say...but...Charles (and Barret frankly) say otherwise. Charles lays out his vision for the ICBA's role in bringing innovation to the community banking space and shares how they've already been doing that. There really is no excuse for community banks to lag in this area any more thanks to the ICBA and the ThinkTECH accelerator which you've heard some about on this podcast in the past. To find out more about the ThinkTECH accelerator, check out www.icba.org/solutions/thinktech As always, check out our sponsor, ICBA Securities, at https://www.icba.org/icba-securities
Wed, 13 Oct 2021 - 35min - 136 - Adapting Your Bank To The New COVID World--Jay Toups with High Performance Teams
It's pretty easy to say "there's a new paradigm shift" or "the world is changing so how will you adapt?!". You can be asked that question anywhere. However, with today's episode with Jay Toups, we are going to go deeper. From a sales perspective, what are some practical things banks can do in this new world. Jay is a long time faculty member at the Barret Graduate School as well as one of our first webinar creators on the ALP (Advanced Learning Platform). I think you'll like hearing from him as much as our grad school students always enjoy him as well. Check out his business (and fellow banking podcast!!!) at https://highperformanceteams.net/ And as always, many thanks to our sponsor, ICBA Securities at https://www.icba.org/icba-securities
Wed, 06 Oct 2021 - 39min - 135 - Main Street Banking 3Q Economic Update with ICBA Securities
Besides being the sponsor of our podcast, ICBA Securities does an outstanding job in working with banks in their investments. Whenever there is economic news (like we've had over the last week or so), we like to bring on Jim Reber, CEO of ICBA Securities, to talk to community bankers about what he is seeing in the industry. To register for the 4Q Economic Update Jim mentioned, you can do so here...https://globalmeetwebinar.webcasts.com/viewer/event.jsp?ei=1495614&tp_key=55f8589c6e To register for their Balance Sheet Academy, you can do so here...https://event.webcasts.com/starthere.jsp?ei=1496487&tp_key=786aa6de88
Wed, 29 Sep 2021 - 12min - 134 - The Story Of Barret
We all have a story and the great thing about those stories is that it makes us who we are. Your bank has a story. Do you tell it? Do you use it to show how you are a part of your community? It's not about bragging...it's about relating to your markets! Barret has a story too and it's unique and as someone who has been around that story for quite a while, I wanted to share it with you. I wanted you to see how proud we are of our brand...but also to see how we fit into the community banking industry. As always, check out our sponsor, ICBA Securities at https://www.icba.org/icba-securities
Wed, 22 Sep 2021 - 34min - 133 - New NCAA Regulations Around NIL Opens HUGE Possibilities...Scott McComb with Heartland Bank
We're pretty big college sports fans around Barret and it's getting to be the high holy time of year in the South we know as "college football"! Kidding aside, the NCAA (governing body of college athletics here in the US) has relaxed their NIL (name, image, and likeness) rules for student-athletes. We're seeing HUGE deals for college athletes to endorse things like cars, sports drinks, etc. But, what if a bank leveraged this new opportunity to promote the community banking industry, the benefits of having a relationship with your local bank, and the BankOn initiative for financial literacy? It benefits everyone and makes the world a slightly better place. Scott McComb, with Heartland Bank in central Ohio, did just that recently in landing several endorsements from local Ohio State Buckeyes. It's a very fascinating study in how community banks can leverage new opportunities to improve their communities around them as well as promote the benefits of the industry as a whole. They also have a PODCAST!!! And it is a really good one. Check that out at https://www.heartland.bank/drivingCbus To learn more about Heartland Bank (and you need to...this is a really forward-thinking bank) go to: https://www.heartland.bank/ Finally, thank you to our sponsor, ICBA Securities, for their continued support. Be sure to check them out at https://www.icba.org/icba-securities
Wed, 15 Sep 2021 - 18min - 132 - When Community Banks Have The Right Tools...They Can Compete--Nathaniel Harley with MANTL
One of the main drivers of the future...and one of the biggest shifts I've seen in the last 2 years...has been the development of the symbiotic and non-adversarial relationship between community banks and fintech. It makes sense, honestly. Community banks have the relationships and there are more of them! No need to reinvent the wheel PROVIDED that the banks are willing to adapt to the change. Nathaniel Harley with MANTL stopped by the podcast to discuss his company and the growing relationships between fintechs and banks. Check out MANTL at https://www.mantl.com/ And don't forget about our sponsor, ICBA Securities, at https://www.icba.org/icba-securities
Wed, 08 Sep 2021 - 22min - 131 - Doing Well By Doing Good--Chris Zingo with Finastra
We talk a good deal on the show about community development and the important role bankers have in their communities. We also talk a lot about digital adoption and fintech's partnership with community banking. They're not mutually exclusive conversations. "Doing well by doing good" is an important concept for banks and fintechs to understand and Finastra (the 3rd largest fintech in the world) gets it and sees community banking's role as vital to their success. I think you'll find this episode interesting...because, as we learn it's not the "big banks" that are the most adaptable to digital change. Who do you think it is?! If you'd like to learn more about Finastra, check out their site at https://www.finastra.com/ And thank you to our sponsor, ICBA Securities for their support. Learn more about them at https://www.icba.org/icba-securities
Wed, 01 Sep 2021 - 23min - 130 - Superhero Community Banking: All Good Things...
Well, we’ve come to the end of our Superhero community banking series. As I said last week, the last two chapters of The Art of War are about spying and using firebombs. Good material…hard to find a parallel in community banking that is legal! So, let’s wrap up the series here! Many thanks to our sponsor, ICBA Securities! https://www.icba.org/icba-securities
Wed, 25 Aug 2021 - 10min - 129 - Superhero Community Banking: Princes Kept Their View
We are nearing the end of our journey through The Art of War! I've really enjoyed this series and I hope you have to. Chapter 11 goes further into our discussion on moving around in different markets...but how do we get the team to move? How will we know what the move is? Thanks to our sponsor, ICBA Securities, which you can learn more about here at https://www.icba.org/icba-securities You can get a transcript of this episode here: https://barretbanking.org/msbpodcasts/superhero-community-banking-princes-kept-their-view/
Wed, 18 Aug 2021 - 10min - 128 - Superhero Community Banking: All Along The Watchtower
Getting back to our SuperHero Community Banking series...we talk about moving around in our markets. But how does that interact with emotional intelligence? How are they related? Why are they related? Many thanks to our sponsor, ICBA Securities, https://www.icba.org/icba-securities Also, be sure to check out the episode page https://barretbanking.org/msbpodcasts/superhero-community-banking-all-along-the-watchtower/ and for more information on Roundtable: https://barretbanking.org/landings/roundtable-series/
Wed, 11 Aug 2021 - 15min - 127 - Greatest Hits: Track 4 Coping With Crises Pt 2
We're at the end of our "Greatest Hits" series and we're wrapping up our 2 parter with Brad Federman. I hope you've enjoyed going back and hearing these tracks. It's good to go back and listen to older episodes and remember those takeaways we got back then. I've enjoyed it...and thanks for hanging in there with me. Don't forget to check out our sponsor, ICBA Securities, at https://www.icba.org/icba-securities
Wed, 04 Aug 2021 - 25min
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