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  • Posted in: Executive Community

    ​The Net Non-Core Liability Dependency Ratio, and the importance placed on it by some regulators, has been one of the things that has most infuriated me over time. It is an artefact of the 1980's (when it may have had some validity) and has the almost ...

  • Posted in: Executive Community

    I'm not sure if this is the appropriate comment to include a suggestion on the FDIC's "Non-Core Funding" ratio or not?  In my discussions with two different regulators regarding the new treatment of reciprocal deposits, both individuals were hesitant ...

  • Posted in: Executive Community

    Most banks struggle with innovation. Sorting through the options to find the right fit is daunting and no one wants to make the wrong (expensive) move. So that's why I picked this story today. It's about a $664 million-asset, family owned bank in ...