Best joeberq Podcasts (2025)

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Review of CSBS research showing community banks pay more for compliance 15:49

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5h ago15:49

15:49

This episode examines a research report from CSBS titled “Too small to scale: What 10 years of data say about community bank compliance costs.” The report found that smaller banks reported spending 11% to 15.5% of their payroll on compliance tasks, compared with 6% to 10% for the largest banks. Data-processing costs consume 16.5% to 22% of small ba…

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Review of Bank Director 2026 Bank M&A Survey 22:58

4h ago22:58

22:58

This episode examines Bank Director’s 2026 Bank M&A Survey. Bank Director found that “the gap between buyers’ and sellers’ pricing expectations may be closing as potential acquirers look for ways to add low-cost deposits.” Some of the key findings revolve around boardroom discussions, angling for a better price, mixed plans on subordinated debt, or…

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Review of Federal Reserve Bank of San Francisco Working Paper on Tariffs 16:43

6h ago16:43

16:43

This episode reviews a recent working paper from the Federal Reserve Bank of San Francisco titled “What is a Tariff Shock? Insights from 150 years of Tariff Policy.” The main finding of the report is that Tariffs are deflationary! “We find that a tariff hike raises unemployment (lowers economic activity) and lowers inflation.” With all the focus on…

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BND: Strategy Room Bonus - Retail sales & Black Friday update 6:41

4h ago6:41

6:41

This is a clip from the BND: Strategy Room Live Stream from 11-29-2025. This clip reviews recent retail sales data and takes a look at how sales are performing on Black Friday and Small Business Saturday.By Dr. Joseph Bergquist

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BND: Strategy Room 11-29-2025 1:58:41

4d ago1:58:41

1:58:41

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.By Dr. Joseph Bergquist

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Our food system is in serious trouble. One farmer has a plan! 16:44

4h ago16:44

16:44

America’s farm system is in trouble. Parts of it are collapsing in real time. Over regulation is crushing small farmers. An Idaho farmer named Steve Jarvis has a plan. It entails wiping out every farmer’s debt! Very radical, but he might be on to something. Any bank or banker that is involved with agricultural lending should listen to this episode.…

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BND: Strategy Room Bonus - Update on mortgages and housing 6:22

8h ago6:22

6:22

This BND: Strategy Room Bonus episode is an update on mortgages and housing. This clip is from the BND: Strategy Room Live Stream from 11-15-2025.By Dr. Joseph Bergquist

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Will envy be the doom of capitalism? 18:32

7d ago18:32

18:32

Envy is one of the seven deadly sins. Envy is defined as the intense desire to have an item or quality that someone else possesses. Envy is at the very heart of socialism. The recent creep in the U.S. toward socialism politically is very troubling. The U.S. has been here before in the 1930’s during the great depression. History has proven that soci…

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Does how we dress have an overall effect on society? 16:16

8d ago16:16

16:16

The way we dress conveys a message about how we see ourselves and others. Seeing people ‘dressed up’ is becoming increasingly rare. At the same time, the clothes we wear speak volumes about us. In business, clothes are essential to how you appear to others. How you carry yourself, how other people view you, how seriously you are taken. In society, …

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Do we have a problem with SNAP and American welfare? 20:03

6h ago20:03

20:03

Due to the recent government shutdown, SNAP benefits and the American welfare state came into focus. Massive fraud in the SNAP program was unveiled. A deeper analysis shows a massive growth in the welfare state since the 1960s. It was recently announced that all SNAP recipients will have to reapply in an effort to crack down on fraud. What does the…

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BND: Strategy Room Bonus - Update on Tariffs 14:35

12h ago14:35

14:35

Latest update on U.S. tariffs and trade news.By Dr. Joseph Bergquist

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BND: Strategy Room 11-22-2025 2:14:02

13h ago2:14:02

2:14:02

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.By Dr. Joseph Bergquist

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BND: Strategy Room Bonus - Epstein problem persists for banks 9:08

7d ago9:08

9:08

Jeffrey Epstein continues to be a problem for several banks.By Dr. Joseph Bergquist

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Interview with David Danielson, Managing Director of The Kafafian Group 38:47

12d ago38:47

38:47

David Danielson is an investment banker and Managing Director at The Kafafian Group. During the interview we discuss factors that will boost bank M&A in 2026, what drives M&A pricing, why larger banks trade at a higher multiple, why interest ‘yield marks’ discourage deals, how big was the equity hit to AFS in 2022, and will we see another wave of b…

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How can you boost the profitability of your best customers? 13:29

4d ago13:29

13:29

Most banks across the U.S. are facing some level of margin compression. As a result, it is becoming increasingly more important to understand who your most profitable customers are and how you can boost their profitability. This episode reviews an article from Bank Director titled “Figuring out who is profitable and who is not: A banker’s guide” an…

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Outlook 2026 15:56

14d ago15:56

15:56

This episode provides an outlook for 2026 by covering the following topics: sustainability, M&A, supply chain, equities, debt markets, AI, commodities, and private credit markets. This is a sneak peek at what some of the major challenges, issues, and opportunities will be for 2026. This episode reviews a series of article from S&P Global (subscript…

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Blackrock writes off $150M Renovo loan as Private Credit woes continue 14:47

15d ago14:47

14:47

Another one of those ‘one-off’ events occurred as Blackrock wrote off its entire $150M investment in Renovo Home Partners. Another blowup in the private credit market. In addition, we check in on the ongoing lawsuits and fallout from the First Brands collapse. BDO’s role as the auditor of First Brands. Major U.S. insurers continue to gobble up priv…

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The CRE maturity wall continues to shift with 2026 coming into focus 14:27

16d ago14:27

14:27

The CRE maturity wall was created by the increase in interest rates from the Federal Reserve starting in 2022. The increase in rates caused banks to ‘extend and pretend’ hoping that the Fed would eventually bring down rates making it easier to renew and roll over existing CRE loans. This action pushed CRE maturities out to 2025 through 2027. The CR…

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BND: Strategy Room Bonus - Private Credit Market Update 6:06

13d ago6:06

6:06

This is a clip from the BND: Strategy Room Live Stream from 11-1-2025. This clip provides an update on the Private Credit Market. Blackrock had another of those "one-off" delinquencies.By Dr. Joseph Bergquist

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BND: Strategy Room 11-15-2025 2:20:18

9d ago2:20:18

2:20:18

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.By Dr. Joseph Bergquist

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How can bank board's better deal with AI? 12:27

10d ago12:27

12:27

How can bank board’s properly understand and implement AI? This episode looks at a blog post from PCBB which discusses the challenge for bank board’s in understanding AI and what they can do to strengthen their skills. In addition, we consider an article from Bank Director which dives into how bank board’s can develop AI algorithms to create fairne…

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Does niche lending allow your bank to build better relationships? 13:24

20d ago13:24

13:24

Many Community Banks around the U.S. focus on niche lending products to grow their business and build strong relationships with their customers and communities. This episode looks at three such banks. First Guaranty Bank focuses on commercial leasing. Bell Bank focuses on nonprofit lending. Georgia Banking Company focuses on ESOP lending. Every Com…

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Is selling underwater securities always the best strategy? 12:48

21d ago12:48

12:48

Bank investment portfolios were hit hard when the Federal Reserve increased interest rates a few years ago leading to negative AOCI and unrealized losses in their bond portfolio. Should banks sell those underwater securities to reposition their existing investments for positive income? The answer, it depends. This episode examined an article from B…

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Citi Strata Elite rewards card disater! 9:35

22d ago9:35

9:35

Citi just rolled out their new rewards card named Strata Elite to compete with AMEX and Chase. Unfortunately, the rollout did not go according to plan as a number of customers were locked out of their accounts and have not been able to utilize the card much less realize the benefits. This episode examined an article from The Wall Street Journal (su…

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Are regulatory exams about to get better for Community Banks? 15:27

23d ago15:27

15:27

The Federal Reserve, OCC, and FDIC are all working on slimming down exam requirements for Community Banks. Some of the potential changes include regulatory actions such as “matters requiring attention,” scrapping any requirements that are not found in law or regulation, increasing the existing threshold from $10 billion to $30 billion, changing wha…

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Interview with Chad Hull, Investment Banker with Janney 27:03

26d ago27:03

27:03

Chad Hull, Investment Banker, with Janney Montgomery Scott returns to discuss the current bank M&A market. Chad and I discuss some of the large banking M&A transactions recently announced. We consider the pickup in M&A activity throughout 2025 and what changes are driving the uptick. Chad provides his thoughts on why the activity could be sustained…

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Is deposit insurance being reformed to benefit billionaires? 13:44

27d ago13:44

13:44

Banking regulators are considering deposit insurance reform to better protect consumers and businesses. Congress is also considering deposit insurance reform through a proposed act titled the Main Street Depositor Protection Act (S.2999). The question is, who will the deposit insurance reforms really benefit? Is this reform focused on consumers and…

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No more bank robbers? 13:43

28d ago13:43

13:43

According to an FBI report, bank robberies in the U.S. have declined from a high of approximately 9,500 in 1992 to less than 1,400 in 2023. Why have bank robberies decreased? This episode reviews are article from Investopedia titled “The death of the bank heist: Where have all the bank robbers gone?” This article presented five theories, 1) not a b…

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What is going on with credit scores? 16:13

29d ago16:13

16:13

A war of sorts has broken out between Fair Isaac and the three credit reporting bureaus (Trans Union, Equifax, and Experian) over pricing and usage of the FICO credit scoring model. This episode examines how American’s overall credit scores are performing, how rental payments can be used to improve consumer credit scores, and the effects on consume…

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Update on U.S. auto industry 22:33

1M ago22:33

22:33

The U.S. auto industry is currently dealing with a myriad of problems that include a pull back on electric vehicles, tariffs, a fire at aluminum producer Novelis, underwater car trade-ins, concentration of purchasing by the wealthy, subprime delinquency, and microchip issues with Dutch (CCP controlled) company Nexperia. Some of these issues will be…

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BND: Strategy Room 11-1-2025 2:09:02

1M ago2:09:02

2:09:02

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.By Dr. Joseph Bergquist

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BND: Strategy Room Bonus Episode - Subprime auto industry crisis! 32:05

1M ago32:05

32:05

This is a BND: Strategy Room bonus episode from the 10-25-2025 live stream. This episode details the current subprime auto industry crisis, which has seen the recent failures of Tricolor Holdings, First Brands, and now Primalend. A number of banks have gotten ensnared in this crisis.By Dr. Joseph Bergquist

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Interview with Dan Knezevich, Commercial Appraiser 24:29

1M ago24:29

24:29

Dan Knezevich has been a commercial appraiser for over 30 years. Dan’s background in appraising commercial properties is extensive. We discuss the different valuation methodologies, pricing for commercial appraisals, what constitutes a commercial property, valuing different property types, and other services his firm provides. Dan is the President …

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The rise of Erebor! 14:02

1M ago14:02

14:02

Erebor bank earns preliminary government approval to proceed as a new startup bank. Erebor is seeking to target many of the same customers from Silicon Valley Bank. The approval for Erebor follows a wave of other companies and startups seeking to become banks. This episode examined articles from The Wall Street Journal and S&P Global Market Intelli…

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CFPB 'deluged' with comments on Open Banking! 18:24

1M ago18:24

18:24

The CFPB collected approximately 14,000 comments on the 1033 rule aka Open Banking rule during the open comments period. The Open Banking debate drew comments from many different groups, which included banks, fintechs, advertisers, food suppliers, consumer advocates, convenience stores, credit unions, grocers, retailers, retirees, libertarians, mor…

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Chengpeng Zhao pardoned! Update on crypto regulation and activities (Crypto Series Part XXX) 19:13

1M ago19:13

19:13

This is part 30 of the crypto series. Lots of activity in the crypto world! Founder of Binance, Changpeng Zhao, was pardoned by President Trump. US banks are starting to warm up to stablecoins. Zelle is getting into the international crypto competition. Banking panel says stablecoins must be simple. Fed Governor Michael Barr warns about stablecoin …

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Major ruling in Heartland Tri-State Bank crypto embezzlement case (Crypto Series Part XXIX) 13:23

1M ago13:23

13:23

This is part 29 of the crypto series. Shareholders of Heartland Tri-State Bank received a favorable and somewhat unprecedented ruling from a judge in the crypto embezzlement case. The judge awarded bank shareholders all money recovered, and the FDIC got nothing! Heartland Tri-State Bank was a small bank in Kansas that failed in July of 2023 due to …

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BND: Strategy Room 10-25-2025 2:15:14

1M ago2:15:14

2:15:14

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.By Dr. Joseph Bergquist

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BND: Strategy Room Bonus Episode - Update on failed Silvergate Bank 10:19

1M ago10:19

10:19

The SEC is continuing with charges against Ex-Silvergate Bank CFO. Silvergate Bank was the first bank to fail in the Spring Banking crisis of 2023. Silvergate was the main crypto bank in the country at that time and ran the Silvergate Exchange Network (SEN), which was the main rail system between the crypto world and the banking world. The failure …

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Win more commercial relationships by mastering the account switching experience! 12:20

1M ago12:20

12:20

The account switching experience for commercial banking clients remains one of the most confounding issues. We delve into some of the main bottlenecks, which are redirecting payroll, merchant services, ACHs, customer payments, notifying vendors, and closure of legacy accounts. This is a process that can take 3 to 6 months to complete. The bank that…

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Cybersecurity threats are increasing, does your bank have an incident response plan? 11:55

1M ago11:55

11:55

As banks continue to grapple with cybercrime that includes ransomware, phishing attacks, and business email compromise (BEC), they need to have an incident response plan. However, simply having an incident response plan is not enough. This plan needs to be updated, tested, and practiced annually. This episode examines an article from Independent Ba…

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Review of CSBS Annual Survey of Community Banks for 2025 11:41

1M ago11:41

11:41

The Conference of State Bank Supervisors (CSBS) has released their annual survey of Community Banks. Some of the reports’ key findings include community banker optimism is up, net interest margins, core deposit growth, cost of technology, and cost of funds are the main concerns. Regulatory burden fell from 1st to 6th in this year’s survey. Communit…

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FinCEN offers clarification on bank Suspicious Activity Reporting (SAR) 16:27

1M ago16:27

16:27

The Financial Crimes Enforcement Network (FinCEN) issued frequently asked questions (FAQs) on issues related to suspicious activity reports (SARs). The FAQs clarify regulatory requirements relating to structuring, continuing activity reviews, and a bank’s decision not to file a SAR. Scott Bessent stated, “These are commonsense yet consequential ref…

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Review of Federal Reserve Bank of New York Survey of Consumer Expectations 12:42

1M ago12:42

12:42

The Federal Reserve Bank of New York’s Center for Microeconomic Data released their Survey of Consumer Expectations for September 2025. The report found that household inflation expectations increased at short and long-term horizons and labor market expectations continue to deteriorate. Links to the press release and the report are included below. …

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BND: Strategy Room 10-17-2025 2:04:20

2M ago2:04:20

2:04:20

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.By Dr. Joseph Bergquist

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How can bank boards deal with shareholder activism? 12:46

2M ago12:46

12:46

With the bank M&A market heating up, shareholder activism could be on the rise. This episode examines a recent article from Bank Director titled “Shareholder activism could heat up. Should boards fight back?” With the recent announced acquisition of Comerica by Fifth Third Bank, it was revealed that an activist investor played a role in pushing Com…

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Are consumers shifting to the 'Super App'? 13:19

2M ago13:19

13:19

The rise of so called ‘super apps’ that help small businesses to manage messaging, financial services, payments, and provide other tools could change the game for how banks manage their own apps. WeChat, in China, has been the prototype as the do everything app in the world. But now WhatsApp, google, and X, are all in on trying to create their own …

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Review of ICBA Advocacy in Action for 4Q 2025 13:24

2M ago13:24

13:24

This episode examines ICBA Advocacy in Action for 4Q 2025. This is a quarterly publication from ICBA which covers all the hot button regulatory topics in the banking industry. Regulation covered includes 1071 rule, deposit insurance, digital assets regulatory framework, trigger leads, ACRE implementation, 1033 rule, and GSEs. A link to the PDF is i…

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Fifth Third Bancorp buys Comerica in big $10.9B bank M&A deal 18:58

2M ago18:58

18:58

Fifth Third Bancorp has agreed to purchase Comerica for $10.9 billion. This is the largest bank M&A transaction since 2021 and one of the largest bank deals since 2009, being over $10 billion in value. This episode examines multiple articles from S&P Global Market Intelligence (subscription required). As the bank M&A market is heating up, strategie…

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BND: Strategy Room Bonus - Charlie Javice Sentenced! 12:17

2M ago12:17

12:17

Charlie Javice was found guilty of defrauding JPMorgan Chase on the sale of her company Frank. Charlie was sentenced to 7 years in prison and is required to pay JPMorgan Chase over $400 million for both the company and their legal fees.By Dr. Joseph Bergquist

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