Podcasts about community banks

In this episode of This Month in Banking, presented by Wolf & Company, we're joined by Ed Barry, CEO of Capital Bancorp, to explore how one community bank built a distinctive growth model by expanding into specialized, nontraditional lines of business. Since joining in 2012, Ed has led Capital Bank's transformation from a $300 million institution into a $3.5 billion diversified platform spanning commercial lending, mortgage banking, credit cards, and fee‑based service businesses. The conversation highlights how an FDIC‑assisted acquisition unexpectedly led to the creation of a national credit card platform, and how that business—alongside other niche verticals—helped drive strong performance, deposit growth, and diversified revenue streams. Ed also shares insights on identifying acquisitions that add true capabilities, building and scaling new business lines with the right mix of talent and technology, and maintaining alignment between strategy, culture, and risk. The discussion touches on renewable energy lending, SBA servicing, and how community banks can compete effectively by focusing on targeted niches rather than trying to be everything to everyone. For bank executives, board members, and strategy leaders, this episode offers a practical look at how differentiation, discipline, and innovation can drive long‑term growth in an increasingly competitive industry.  Guest Ed Barry CEO, Capital Bancorp / Capital Bank N.A.

In this episode of Better Merch…Better Marketing, Jade and Kirby talk about sustainability and purpose-driven marketing, Spotify's recent logo change and why users reacted so strongly, and a few trending merch products they just cannot get behind. They also spotlight the FusionBeat Multifunction Earbuds as the Product of the Week and give a shoutout to Jessica Bowers from Community Bank on her promotion to Senior Vice President and Chief Marketing Officer.

Welcome to Bond Investment Mentor! In this episode, Chris explores callable agency bonds and examines what you're actually trading away when you buy these securities. He walks through how callable bonds work, the three main call structures you'll encounter, and the portfolio-level implications of giving up control to the issuer. You'll also learn which Bloomberg screens to use when analyzing callables and how to think strategically about whether these securities belong in your portfolio.  In this episode: Fed & Market Update (2:23) Proposed FHLB/FRB liquidity stress solution (9:02) Understanding callable agencies (11:40) Callable agency basics Types of call structures The yield/control trade-off Bloomberg screens for callable agency analysis The value of one-on-one mentoring (Learn More) (32:55) If you have questions about anything covered in this episode, please email me at Chris @ BondInvestmentMentor.com. Do you know someone who could benefit from this information? Please share this episode and podcast with them! You will find more articles, tips, and resources about fixed-income investing and portfolio management at BondInvestmentMentor.com. Check it out! Let's Connect via Social Media! LinkedIn: Christopher Nelson, CFA

Ryan Bailey spent 20 years at Bank of America, JPMorgan Chase, TD Bank, Fifth Third, and USAA. Then he took over Cambridge Savings Bank, a 190-year-old, $7 billion mutual community bank in Massachusetts. In this Executive Leadership Series episode of Banking Transformed, recorded live at the Financial Brand Forum, Jim Marous and Ryan get into how community banks actually win against the giants. They cover the strategy behind Ivy Bank, Cambridge Savings' national digital deposit brand, and why Ryan believes half of the smaller banks in the country won't be here in 10 years. They also dig into closing the analytics gap with a JPMorgan Chase, using AI to improve customer experience instead of just cutting cost, bringing legacy employees along on a fast digital agenda, and what USAA taught Ryan about loyalty. Ryan closes with one Monday morning move every community bank CEO can act on right away. In this episode: • Why scale no longer guarantees dominance • Gathering deposits nationally, lending locally with Ivy Bank • Ryan's prediction on community bank consolidation • Closing the data gap without an enterprise budget • The Monday morning move every CEO should make #BankingTransformed #CommunityBanking #DigitalTransformation #Fintech #BankingPodcast #FinancialBrandForum #IvyBank #CambridgeSavingsBank

Aaron is back from vacation and ready to recap the Community Bank 150 at Thunder Road!

Welcome to Bond Investment Mentor! In this episode, Chris discusses the importance of establishing a solid investment pre-purchase due diligence process. He shares a four-question framework to help build a system that works both before and after the investment purchase. In this episode: Fed & Market Update (2:08) Visa Class B repurchase offer (Visa announcement) (13:01) Your Pre-Purchase Due Diligence Process (18:08) Free download:  Pre-Purchase Due Diligence Checklists (32:55) If you have questions about anything covered in this episode, please email me at Chris @ BondInvestmentMentor.com. Do you know someone who could benefit from this information? Please share this episode and podcast with them! You will find more articles, tips, and resources about fixed-income investing and portfolio management at BondInvestmentMentor.com. Check it out! Let's Connect via Social Media! LinkedIn: Christopher Nelson, CFA

Send us Fan MailWhere is capital actually going right now? In this episode, $1B+ investors share what they are actively looking for—from community bank acquisitions and RIAs to commercial real estate, technology platforms, and growth-stage opportunities.If you're raising capital or sourcing deals, this episode gives you a clear picture of current investor demand and how to position your opportunity to match it. Understanding what investors want today is one of the fastest ways to improve your fundraising success.If you want to connect with serious investors, build better partnerships, and access real deal flow—join us inside the Family Office Club.Our investor club offers 30 nationwide events a year, 10,000 registered investors, and 40 proprietary AI tools designed to help you raise capital faster and more effectively.

Welcome to Bond Investment Mentor! In this episode, Chris breaks down bank subordinated debt as community banks face a wave of refinancing offers. Learn what makes sub-debt riskier than typical bonds, the policy foundation required before investing, and how to perform independent credit analysis on these securities. In this episode: Market & Rate Update (1:32) Follow-Up Investments/Liquidity Discussion on LinkedIn (7:51) Investing in Bank Sub-Debt (12:22) Coming in May - The Community Bank Performance Institute (39:31) (LEARN MORE) If you have questions about anything covered in this episode, please email me at Chris @ BondInvestmentMentor.com. Do you know someone who could benefit from this information? Please share this episode and podcast with them! You will find more articles, tips, and resources about fixed-income investing and portfolio management at BondInvestmentMentor.com. Check it out! Let's Connect via Social Media! LinkedIn: Christopher Nelson, CFA

Mac Thompson, Founder & President, White ClayConsolidation in the banking and finance sector is set to continue. Around 180 bank deals were announced in 2025 and there are going to be more to come in 2026. The pressing need to take advantage of developing technologies is one notable cost factor that may drive smaller institutions into the arms of their larger counterparts. White Clay Founder and President Mac Thompson speaks to Robin Amlôt of IBS Intelligence.

Len explains that the OCC issued a December 18, 2025 proposal to create a “Simplified Plan Process for Community Banks” to make the CRA strategic plan option easier, but he believes its real value extends beyond banks using strategic plans because it reveals how regulators think about “Satisfactory” and “Outstanding” performance under normal CRA standards. The proposal distinguishes between “custom” bank-specific goals (which Len says offers little practical guidance) and “elective” goals, which are quantifiable targets drawn from approved plans and OCC supervisory experience. Len highlights that the most useful—and historically murky— CRA test is Community Development. The OCC's proposal provides explicit benchmarks for CD lending, investing, combined lending/investing, and CD services, using ratios tied to Tier 1 capital or total assets (including notably lower investment thresholds when a bank relies heavily on donations, acknowledging their significance). He notes the proposal also introduces measurable expectations for CD service hours per employee, while offering little new insight on traditional lending tests. Although the OCC states elective goals are not “safe harbors” and not formal benchmarks outside the simplified process, Len argues they align with what regulators historically expect and can help CRA officers set internal performance targets;  this is where you would provide a link to the 67 tests, performance standards and ratings. https://geodatavision.com/content/occ-proposed-elective-goals-for-cra-strategic-planning/ Brought to you by GeoDataVision and M&M Consulting

This past week, we put on a webinar about Practical AI for Community Banks. The engagement from the industry was amazing and it definitely won't be the last one we do. This episode is the AI summary of the webinar that I thought was absolutely amazing itself. If you want to view the webinar and get the handouts, check out https://barretbanking.org/practical-ai-for-community-banks/

Welcome to Bond Investment Mentor! In this episode, Chris explores why strategic cash flow management should be your number one liquidity tool for managing the investment portfolio. Learn how to move from reactive scrambling to proactive liquidity planning, while protecting portfolio income and performance. In this episode: Federal Reserve Update (1:13) FASB Comments on Hedging HTM Securities (7:12) Cash Flow Is King (12:45) Free 3-Day Investment Managers Playbook Series (28:46) (LEARN MORE) If you have questions about anything covered in this episode, please email me at Chris @ BondInvestmentMentor.com. Do you know someone who could benefit from this information? Please share this episode and podcast with them! You will find more articles, tips, and resources about fixed-income investing and portfolio management at BondInvestmentMentor.com. Check it out! Let's Connect via Social Media! LinkedIn: Christopher Nelson, CFA

Community banks widely recognize the value of diversity in the boardroom, yet many institutions still rely on the same limited recruiting networks when searching for new directors. On the latest episode of Travillian Next, Amber Buker, Chief Research Officer at Travillian, sits down with Jennifer Docherty, Senior FIG & Capital Markets Strategist at Performance Trust Capital Partners and Co-Founder of Bank on Women, to unpack why boardrooms remain so homogenous and what banks can do differently.Jennifer explains the structural dynamics that shape how directors are recruited and why meaningful performance gains begin to appear once boards reach a “critical mass” of women. The conversation also explores how community banks can modernize board succession planning, build stronger leadership pipelines, and expand their candidate pools through sponsorship and organizations like Bank on Women. Together, they outline practical steps banks can take to strengthen governance while positioning themselves for the next generation of leadership.

My latest guest is Chris Black, CEO of Thread Bank, a Nashville-based community bank that has been purpose-built around embedded banking. Chris came to banking by way of a career as an Air Force pilot, followed by time on Wall Street analyzing banks during the financial crisis, before eventually making his way into community banking in Nashville. He partnered with fintech investor Joe Maxwell of Fintop Capital to recapitalize a small Tennessee bank and transform it into an embedded banking platform focused on vertical software companies serving small businesses.In our conversation, Chris talks about how Thread navigated the BaaS regulatory storm of 2023 and 2024, what they look for in fintech partners, and how their fiduciary-first philosophy was already in place long before regulators came calling. We also discuss the wave of fintechs now seeking bank charters, the future of community banking in America, and what Thread has on the horizon with the launch of embedded lending and merchant acquiring.In this podcast you will learn:Lessons Chris learned during his time in the Air Force.How the idea for Thread Bank came together.How they took the acquired bank and made it ready for embedded banking.When they took on their first fintech partner.What they are looking for in a fintech partner.Where Chris sees the biggest opportunity for Thread.How Thread navigated the BaaS regulatory hurricane of 2023 and 2024.Why the shift in regulatory focus with the Trump Administration has not changed their thinking.What Chris thinks about all the fintechs that are now acquiring bank charters.What it takes for a new fintech to be onboarded with Thread.The process when a fintech wants to do something that Thread does not think is reasonable.The key to a thriving community bank sector over the next decade.What exciting developments are coming down the pipe.Connect with Fintech One-on-One: Tweet me @PeterRenton Connect with me on LinkedIn Find previous Fintech One-on-One episodes

In this episode of He Said, She Said: Razor Branding™ Podcast, Jaci and Michael sit down with Ann Barilleaux, SVP Marketing Director for JD Bank, Louisiana's Community Bank™, to unpack what it really takes to market a bank—where compliance is non-negotiable and trust is everything. Ann shares how marketing in a regulated industry forces you to think differently: every message, sign, and disclaimer matters—down to FDIC rule changes that impact branch signage and product communication. But the bigger challenge? Banking is complicated for consumers, and you have to simplify without overpromising. The conversation dives into the reality that community banking is relationship banking—and why that becomes the true differentiator when products are largely similar across competitors. Ann explains how JD Bank tailors branding and campaigns by market (rural vs. metro), including a standout Cajun French campaign that connected deeply in specific communities—while acknowledging that what works in one region won't translate to Baton Rouge. You'll also hear how JD Bank balances traditional media, digital targeting (including geofencing), grassroots community involvement, and strategic sponsorships—without spreading a small team too thin. Ann shares how they think about community giving with intention (not “a little bit everywhere”), how they track impact beyond analytics, and what it looks like to protect reputation and calm “we're being sold” rumors by staying visible, consistent, and deeply local.

In this episode, Harsha Goli from Magnolia Financial discusses the launch of their Bitcoin-enabled banking services across the US, navigating regulatory challenges, and the importance of partnerships with banks. He emphasizes the need for better user experiences in Bitcoin transactions, the role of price oracles, and the implications of the Clarity Act on Bitcoin development. The conversation also touches on the tension between traditional banks and the crypto industry, the future of community banks, and innovations in Bitcoin technology. Harsha shares insights on potential use cases for Magnolia's services and the challenges of bridging the gap in Bitcoin adoption, while also addressing privacy concerns in Bitcoin transactions.Takeaways:

Community banks play a critical—yet often underappreciated—role in economic development. In this episode of Develop This!, the #1 podcast for economic development professionals, host Dennis Fraise sits down with Matt Morris, President and CEO of Connection Bank in Fort Madison, Iowa, to explore how community banking fuels local economies, supports small businesses, and strengthens rural communities. Matt shares his career journey from working at large financial institutions to leading a community bank and explains why relationship-based banking remains essential to sustainable economic development. Together, Dennis and Matt unpack how community banks serve as trusted partners for entrepreneurs, manufacturers, and local leaders—often stepping in where larger institutions cannot or will not. Key Takeaways Community banks support their communities in diverse and meaningful ways Strong relationships are the foundation of community banking Economic development depends on healthy, engaged local financial institutions  Community banks often fill critical gaps for small and rural businesses Trust is essential to effective banking relationships  Community banks are deeply involved in local economic development efforts  Technology has changed how banks operate—but not the need for relationships Non-traditional competitors present new challenges for community banks Developing the next generation of leaders is key to community growth Better storytelling can improve understanding of the community bank model

Community banks are no longer on the sidelines of digital assets.Keith Daly of Travillian speaks with Caitlin Long, Founder and CEO of Custodia Bank, and Shawn Main of Vantage Bank Texas about how tokenized deposits, stablecoins, and interoperable payment rails are becoming real banking infrastructure.They break down the GENIUS Act, atomic settlement, and a new bank-led consortium designed to give community banks a compliant, practical path into digital asset payments. From cross-border transactions to logistics and restaurant payouts, the episode shows how settlement speed, transparency, and customer expectations are reshaping competition.If you work in community banking, fintech, payments, or digital assets, this episode explains what is changing, why it matters, and how banks can stay relevant.

How does commercial financing differ from primary residence? Can you still make a profit in multi-family ownership? Our experts in the studio today have the answers. Want to become a millionaire? This might be your ticket to success! Phil Tissier: ptissier@myrvcb.com or 775-237-2574 Ben Galles: ben.galles@cbre.com or 775-750-6429 Peter Padilla: peter@sageintl.com or 775-786-5515

The average rate on the 30-year Mortgage Loan has fallen below 6%, we look at investments in Homebuilders and Community Banks that may benefit from the downward trend in rates.   We review the highest dividend paying stocks in the S&P 500 right now. 

Julieann Thurlow, CEO of Reading Cooperative Bank, talks about the opportunities and challenges for community banks this year. She discusses the economic conditions, how community banks can innovate and where she'd like to see changes by policymakers.

Bank Strategy:  Community vs. National Banks Hosts - Tara Wean, Vice President, The Kafafian Group, Inc.         Jeff Marsico, President, The Kafafian Group, Inc.         Ben Crowley, Managing Director, The Kafafian Group, Inc. Guests - Andrew Baker, Chief Strategy Officer, F&M Bank

2025 was a rollercoaster year for community banks navigating the talent market. Early optimism gave way to hesitation as uncertainty, M&A activity, and competitive pressure reshaped hiring decisions across the industry. As the year came to a close, momentum began to return.In this year-end conversation, Travillian reflects on what the past year revealed about community bank talent strategy and why optimism is building for 2026. The discussion explores how leadership roles are evolving, why competition for experienced banking talent has intensified, and how storytelling has become a critical differentiator in executive search.As community banks compete with larger institutions, fintechs, and sponsor banks for top talent, the ability to clearly articulate culture, leadership vision, and growth opportunity is no longer optional. Banks that control their narrative are better positioned to attract and retain strong leaders as hiring accelerates.This conversation covers:• The banking talent market in 2025 and why hiring felt volatile• How M&A activity is reshaping the available talent pool• Why storytelling matters in community bank executive search• Shifting expectations for CEO, CFO, and risk leadership roles• What community banks need to do now to win talent in 2026If you're thinking about leadership hiring, succession planning, or talent strategy for your community bank, this conversation offers practical perspective on what's changing and what's ahead.

Community and regional banks operate in an environment of perpetual tension. They need to grow deposits and drive lending profitability while managing operating costs that threaten to overwhelm smaller institutions. They must also prevent increasingly sophisticated fraud while delivering customer experiences that match Amazon and Netflix. And they need to do all of this while building technology foundations that won't become obsolete before the implementation is complete. At FIS's Emerald 2025 conference in Orlando, Peter Boyer, head of banking at FIS, and Craig Focardi, principal analyst at Celent, discussed how financial institutions are navigating these competing demands. Focardi and Boyer discuss how modernization is now a continuous process of adaptation, and that the institutions most likely to succeed will focus on enabling agility rather than chasing specific technologies. "If you really take a step back and think about regional and community banking, there's a couple headwinds or tailwinds, that are driving how banks are thinking about the market," Boyer explained. "One is deposit growth and profitability growth through lending. Every bank right now is thinking, how do I grow? What is my sweet spot in my segment? Thing two is operating costs. How do they continue to drive a more efficient bank? AI is a big topic on that particular solution. And thing three is fraud. How do you protect the banking ecosystem? You put those three together and you've got a meaningful amount of where the energy is in the market today."

Today we sit down with Ron Shevlin of Cornerstone Advisors. He tells us all about the forces that are "squeezing" community banks out of existence. Ron also shares what to focus on so your bank can thrive and succeed in the longterm. Check out our Ebook on loan hedging here!   The views, information, or opinions expressed during this show are solely those of the participants involved and do not necessarily represent those of SouthState Bank and its employees. SouthState Bank, N.A. - Member FDIC

Value: After Hours is a podcast about value investing, Fintwit, and all things finance and investment by investors Tobias Carlisle, and Jake Taylor. ⁠⁠⁠⁠⁠⁠⁠⁠Soldier of Fortune: Warren Buffett, Sun Tzu and the Ancient Art of Risk-Taking⁠⁠⁠⁠⁠⁠⁠⁠ (⁠⁠⁠⁠⁠⁠⁠⁠Kindle⁠⁠⁠⁠⁠⁠⁠⁠)We are live every Tuesday at 1.30pm E / 10.30am P.See our latest episodes at https://acquirersmultiple.com/podcastAbout Jake Jake's Twitter: https://twitter.com/farnamjake1Jake's book: The Rebel Allocator https://amzn.to/2sgip3lABOUT THE PODCASTHi, I'm Tobias Carlisle. I launched The Acquirers Podcast to discuss the process of finding undervalued stocks, deep value investing, hedge funds, activism, buyouts, and special situations.We uncover the tactics and strategies for finding good investments, managing risk, dealing with bad luck, and maximizing success.SEE LATEST EPISODEShttps://acquirersmultiple.com/podcast/SEE OUR FREE DEEP VALUE STOCK SCREENER https://acquirersmultiple.com/screener/FOLLOW TOBIASWebsite: https://acquirersmultiple.com/Firm: https://acquirersfunds.com/ Twitter: ttps://twitter.com/GreenbackdLinkedIn: https://www.linkedin.com/in/tobycarlisleFacebook: https://www.facebook.com/tobiascarlisleInstagram: https://www.instagram.com/tobias_carlisleABOUT TOBIAS CARLISLETobias Carlisle is the founder of The Acquirer's Multiple®, and Acquirers Funds®. He is best known as the author of the #1 new release in Amazon's Business and Finance The Acquirer's Multiple: How the Billionaire Contrarians of Deep Value Beat the Market, the Amazon best-sellers Deep Value: Why Activists Investors and Other Contrarians Battle for Control of Losing Corporations (2014) (https://amzn.to/2VwvAGF), Quantitative Value: A Practitioner's Guide to Automating Intelligent Investment and Eliminating Behavioral Errors (2012) (https://amzn.to/2SDDxrN), and Concentrated Investing: Strategies of the World's Greatest Concentrated Value Investors (2016) (https://amzn.to/2SEEjVn). He has extensive experience in investment management, business valuation, public company corporate governance, and corporate law.Prior to founding the forerunner to Acquirers Funds in 2010, Tobias was an analyst at an activist hedge fund, general counsel of a company listed on the Australian Stock Exchange, and a corporate advisory lawyer. As a lawyer specializing in mergers and acquisitions he has advised on transactions across a variety of industries in the United States, the United Kingdom, China, Australia, Singapore, Bermuda, Papua New Guinea, New Zealand, and Guam. He is a graduate of the University of Queensland in Australia with degrees in Law (2001) and Business (Management) (1999).

The former bank regulator who invented deposit networks just revealed why SVB's collapse was inevitable—and why the solution that could have saved them is finally being rebuilt. Gene Ludwig ran the OCC during the Clinton administration, created a half-trillion-dollar market solving a problem his Aunt Betty faced riding buses between banks, then watched his invention fail to save Silicon Valley Bank because the technology, economics, and incentives were fundamentally broken. Now he's partnered with Paolo and ModernFi to build what could become America's eighth systemically important financial utility: a bank-owned consortium that's signing 25 institutions per week and racing to protect the 4.8 trillion in uninsured deposits that make the next crisis inevitable. Resources:Follow Gene on LinkedIn: https://www.linkedin.com/in/gene-ludwig/Follow Paolo on LinkedIn: https://www.linkedin.com/in/paolombertolotti/Follow David on X: https://x.com/dhaber Stay Updated: If you enjoyed this episode, be sure to like, subscribe, and share with your friends!Find a16z on X: https://x.com/a16zFind a16z on LinkedIn: https://www.linkedin.com/company/a16zListen to the a16z Podcast on Spotify: https://open.spotify.com/show/5bC65RDvs3oxnLyqqvkUYXListen to the a16z Podcast on Apple Podcasts: https://podcasts.apple.com/us/podcast/a16z-podcast/id842818711Follow our host: https://x.com/eriktorenbergPlease note that the content here is for informational purposes only; should NOT be taken as legal, business, tax, or investment advice or be used to evaluate any investment or security; and is not directed at any investors or potential investors in any a16z fund. a16z and its affiliates may maintain investments in the companies discussed. For more details please see a16z.com/disclosures.  Stay Updated:Find a16z on XFind a16z on LinkedInListen to the a16z Podcast on SpotifyListen to the a16z Podcast on Apple PodcastsFollow our host: https://twitter.com/eriktorenberg Please note that the content here is for informational purposes only; should NOT be taken as legal, business, tax, or investment advice or be used to evaluate any investment or security; and is not directed at any investors or potential investors in any a16z fund. a16z and its affiliates may maintain investments in the companies discussed. For more details please see a16z.com/disclosures. Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

In this Travillian Next  Trailblazers episode, the founders of Acceleron Bank Information share how they're helping community banks reclaim lost ground in international payments — a business long dominated by megabanks and fintechs. They reveal why cross-border payments are a critical battleground for community institutions looking to protect deposits, drive fee income, and stay relevant in a globalized economy.Host Keith Daly sits down with Damon Magnuski, Andrew Dillard, and Sarah Beth Felix for a candid discussion on innovation, compliance, and risk-taking. From core integration with Fiserv to navigating stablecoin disruption, this conversation is a roadmap for how community banks can modernize payments and compete globally.

Improving Shareholder Liquidity in Community Banks Hosts - Tara Wean, Vice President, The Kafafian Group, Inc.         Jeff Marsico, President, The Kafafian Group, Inc.         Ben Crowley, Managing Director, The Kafafian Group, Inc. Guests - Matt Schultheis, Founder of BankVault Research

As the government shutdown drags on, the Treasury Department fired the entire staff of the CDFI Fund, a program with substantial bipartisan support. Dennis Ammann, CEO of People's Bank, a CDFI in Mississippi, and Jeannine Jacokes, CEO of the Community Development Bankers Association, discuss the impact on CDFIs nationwide and why it has alarmed lawmakers on both sides of the aisle. 

In this episode of One Vision, we welcome Wayne Miller, EVP, Chief Innovation Officer at ICBA, for an insightful conversation on the importance of community banks and evolution of fintech partnerships. Wayne shares his personal journey into the financial services industry and his passion for improving financial lives. The discussion touches on the challenges and opportunities in a digitally evolving landscape, including the roles of technology, AI, and payments. Tune in to hear Wayne's thoughts on the future of banking and his perspective on the biggest shifts in community banking.00:00 Introduction01:42 Reflecting on the Past Decade03:25 The Spirit of Community Banking05:30 The Art of Matchmaking in FinTech06:22 Evolution of Bank-FinTech Partnerships14:42 The Role of AI and Technology in Banking22:37 Future of Payments and Financial Services28:59 Community Banks and Financial Wellness32:30 Predictions and Reflections for the Future

Ashley and Nick Rehder, Founders of Ruby Ranch Barn: Join us for a conversation with Ashley and Nick Rehder, founders of ⁠Ruby Ranch Barn⁠, a nine-acre property just east of Pemberton, Minnesota, where education and community meet in fresh, hands-on ways.In this episode, Ashley and Nick share about their journey building Ruby Ranch from a dream into a space for connection and experiential learning, hosting workshops, events, and summer camps for all ages. They talk about Little Rubies, their preschool/kindergarten farm and nature program for ages 3-6, that uses nature as the daily classroom, complete with animal interaction, garden and pond time, and walks through their trials. They also open up about integrating their personal home on the farm into the operation, pouring their blood, sweat, and tears into a fast flip that expanded what they could offer to the community.As Ruby Ranch continues to grow (with 29K followers on Instagram!), Ashley and Nick reflect on the values that drive their work, the joy of seeing people connect through nature, and how they're helping redefine what learning looks like in Southern Minnesota.

In this episode of One Vision, we welcome Wayne Miller, EVP, Chief Innovation Officer at ICBA, for an insightful conversation on the importance of community banks and evolution of fintech partnerships. Wayne shares his personal journey into the financial services industry and his passion for improving financial lives. The discussion touches on the challenges and opportunities in a digitally evolving landscape, including the roles of technology, AI, and payments. Tune in to hear Wayne's thoughts on the future of banking and his perspective on the biggest shifts in community banking.00:00 Introduction01:42 Reflecting on the Past Decade03:25 The Spirit of Community Banking05:30 The Art of Matchmaking in FinTech06:22 Evolution of Bank-FinTech Partnerships14:42 The Role of AI and Technology in Banking22:37 Future of Payments and Financial Services28:59 Community Banks and Financial Wellness32:30 Predictions and Reflections for the Future

“We don't do agricultural lending." That's the common phrase uttered across America, but why? Phil Love, the leader of Pactola, and Mark Ritter delve into the benefits of agricultural lending, how to approach it, and the advantages for lenders.WHAT YOU WILL LEARN IN THIS EPISODE:✅ How agricultural lending empowers credit unions to support small businesses in farming communities.✅ The role of credit unions in providing operating lines of credit and real estate loans for sustainable local food production.✅ Key challenges and opportunities in agriculture lending, including navigating commodity markets and risk management.✅ How credit union agricultural lending strengthens rural communities and supports America's food supply.Subscribe to Credit Union Conversations for the latest credit union trends and insights on loan volume and business lending! Connect with MBFS to boost your credit union's growth today.TIMESTAMPS: 00:00 Phil's role at Pactola, a credit union service organization focused on agricultural lending, and describes his farming activities, including harvesting honey06:48 Phil explains the three types of agricultural lending: real estate loans, equipment loans, and operating lines09:48 Discussion on how credit unions in rural communities can leverage credit union agricultural lending to support farming as community banks consolidate11:56 Phil outlines the challenges in agricultural lending, including assessing small business balance sheets, succession planning, and external risks such as commodity markets and weather17:45 Discussion of beef prices, carryover debt, the One Big Beautiful Bill, inflation, interest rates and oil pricesKEY TAKEAWAYS:

Cybersecurity is evolving faster than many community banks and credit unions can keep pace with. With the retirement of the FFIEC Cybersecurity Assessment Tool (CAT) on August 31, 2025, financial institutions are left wondering how best to measure, track, and manage cyber risk without a regulator-endorsed standard. In this episode of the Banking on Data podcast, host Ed Vincent sits down with Cathy Jackson to unpack what comes next for institutions in this post-CAT world. Together, they explore how banks can leverage the Cyber Risk Institute's Profile 2.1, why the seven functional areas of cyber risk matter, and how moving beyond spreadsheets to an integrated risk suite can give leaders a holistic, regulator-ready view of their risk posture.Follow us to stay in the know!

Artificial intelligence (AI) is moving faster than any other technology banks have seen before. From fraud detection to lending platforms, AI is being embedded in nearly every vendor solution. For community banks and credit unions, this acceleration brings both opportunity and risk. This present risk and compliance teams with new demands from the board and regulators for stronger oversight.In this episode of the Banking on Data podcast, host Ed Vincent continues the conversation with compliance expert, Beth Nilles, who helps ‍unpack how financial institutions can take a program risk assessment approach to AI. This builds on a previous episode, How Community Financial Institutions Can Build a Responsible AI Approach, where Beth outlined guardrails and governance for adopting AI responsibly. In Part 2, she explains why program risk assessments are critical, what they look like in practice, and how often institutions should conduct them.Follow us to stay in the know!

In this episode, Caleb sits down with J.R. Lay—entrepreneur, bestselling author, and founder of Level Up Business—to explore how community banks can deepen relationships and drive growth through authentic communication. They discuss the power of personal branding, the role of video and content in building trust, and why helping first is the key to long-term success. J.R. also shares his “Five Cs” framework for connecting with entrepreneurs and creating meaningful community impact. If you're a bank leader looking to grow your influence and relevance, this episode is for you. The views, information, or opinions expressed during this show are solely those of the participants involved and do not necessarily represent those of SouthState Bank and its employees SouthState Bank, N.A. - Member FDIC

More than two dozen bills dedicated to Making Community Banks Great Again have passed House Financial Services Committee. Panel Chair French Hill handicaps which will have the most impact and what is most likely to be enacted. He also discusses the latest on the crypto market structure bill, how regulators can help banks in the fight against fraud, where the payments sector will be in five years, why he wants to end the Fed's dual mandate, the prospects for housing legislation and unfinished business after the fall of SVB in 2023.

Scaling a Community Bank: Tech, Team, and Deposits Hosts - Tara Wean, Vice President, The Kafafian Group, Inc.         Ben Crowley, Managing Director, The Kafafian Group, Inc. Guests - Brant Ward, President, Signature Bank of Arkansas

A Banker's Memory Is a Sponsor's Edge Brad Andrus isn't just another operator in today's market. He's the co-founder of Northbridge Commercial Real Estate and a former community-bank lender who cut his teeth during the 2008 crisis. That experience shaped the conservative, cash-flow-first discipline he brings to self-storage, office, and industrial deals across DFW today. In this episode, Brad lays out why sponsors who master operating discipline—not market timing—win when capital is cautious and debt is expensive. Here are 5 questions he answers that every sponsor and investor should be paying attention to right now: How do you structure debt so it survives a cycle—even if growth underwhelms? Why are community banks still the hidden edge for sponsors, even in today's tighter credit regime? What's the new investor mindset after 2021–2023's write-downs and capital calls? How do you play offense in self-storage when household mobility (and move-ins) slows down? What really earns sponsors repeat checks from equity investors in 2024–2025? Brad's through-line is refreshingly clear: lower leverage, cash-flow bias, relationship banking, and transparent communication. For anyone raising capital or allocating into deals right now, his insights are a blueprint for surviving—and compounding—across market cycles. *** In this series, I cut through the noise to examine how shifting macroeconomic forces and rising geopolitical risk are reshaping real estate investing.   With insights from economists, academics, and seasoned professionals, this show helps investors respond to market uncertainty with clarity, discipline, and a focus on downside protection.    Subscribe to my free newsletter for timely updates, insights, and tools to help you navigate today's volatile real estate landscape. You'll get: Straight talk on what happens when confidence meets correction - no hype, no spin, no fluff. Real implications of macro trends for investors and sponsors with actionable guidance. Insights from real estate professionals who've been through it all before. Visit GowerCrowd.com/subscribe Email: adam@gowercrowd.com Call: 213-761-1000

Today we talk with Greg Adelson, CEO of Jack Henry. We dive into technology, AI, cybersecurity, open banking, and several other topics in depth. These are all topics community banks should consider when looking at their technology roadmaps.   The views, information, or opinions expressed during this show are solely those of the participants involved and do not necessarily represent those of SouthState Bank and its employees. SouthState Bank, N.A. - Member FDIC

Brenda Carr is the Executive Director of the U.S. Space & Rocket Center Education Foundation. Prior, she served as Vice President of Development at the US Space and Rocket Center, led the marketing department at Community Bank, and was the Director of Public Information in the Office of the Alabama Secretary of State for a decade.

MDJ Script/ Top Stories for July 11th Publish Date:  July 11th    Commercial: From the BG AD Group Studio, Welcome to the Marietta Daily Journal Podcast.    Today is Friday, July 11th and Happy Birthday to President John Quincy Adams I’m Keith Ippolito and here are the stories Cobb is talking about, presented by Times Journal Cobb to see increased police presence, some traffic during MLB All-Star events Marietta school board approves property tax increase Cobb eyes ‘slight' reduction in fire fund millage Plus, Leah McGrath from Ingles Markets on seed oils All of this and more is coming up on the Marietta Daily Journal Podcast, and if you are looking for community news, we encourage you to listen and subscribe!  BREAK: Ingles Markets 2 STORY 1: Cobb to see increased police presence, some traffic during MLB All-Star events Cobb County is prioritizing safety and smooth operations for the MLB All-Star festivities at Truist Park and surrounding areas, expecting tens of thousands of attendees. Enhanced security measures include increased police presence, barriers, and collaboration with federal and state agencies. Traffic impacts are expected to be minimal, with real-time monitoring and adjustments by the Department of Transportation. The week-long events, including the All-Star Village at Cobb Galleria, are projected to bring significant economic benefits. Residents are encouraged to use CobbLinc for affordable transportation and stay updated via the Cobb Commute app. STORY 2: Marietta school board approves property tax increase The Marietta Board of Education voted to maintain its 17.97 millage rate, resulting in a 0.89% property tax increase due to rising property values. This decision, aimed at funding teacher raises and staying competitive in the labor market, will increase taxes by $31 for a $500,000 home and $57 for a $900,000 non-homestead property. The district expects $84.95 million in property tax revenue, a 1.82% increase from last year. The millage rate has remained unchanged since 2013, and the board recently approved a $167 million budget, including average raises of 3.3% for employees. STORY 3: Cobb eyes ‘slight' reduction in fire fund millage Cobb County officials proposed a slight reduction in the fire fund millage rate from 2.99 to 2.97 mills, citing a $107 million surplus. The change would reduce fire fund revenue by $1 million but would not impact fire operations, personnel, or capital funding. Some residents and commissioners expressed concerns, emphasizing the critical role of fire services. The proposed $1.33 billion budget for 2026 includes a 3.8% increase from last year, funding raises for public safety employees and other staff. Public hearings on the millage rate are scheduled for July 16 and 22. We have opportunities for sponsors to get great engagement on these shows. Call 770.799.6810 for more info.  Break: Ingles Markets 2 STORY 4: Access Cobb Debuts as Cobb County’s Only Headquartered Community Bank Access Cobb, a Craft Bank, has opened at 145 Church Street near Marietta Square, marking the only community bank headquartered in Cobb County. Focused on personal relationships, the bank offers a range of services, from personal savings to commercial banking, with a commitment to knowing clients by name. The modern, art-filled space emphasizes community ties, partnering with Robert Kent Galleries to display local artwork. President Terri Bunten Guthrie and CEO Ross Mynatt highlighted the bank’s dedication to supporting small businesses and fostering local growth. Future expansion plans will depend on the success of this branch. STORY 5: The Clydesdales are coming: Budweiser delivers big branding for MLB All-Star Week Budweiser is celebrating MLB All-Star Week in Smyrna with special beer deliveries via iconic Clydesdale horses. The deliveries start Friday at 4 p.m. in Market Village, with a parade route available on Smyrna’s Facebook page. The Clydesdales, a symbol of Budweiser and American tradition for over 90 years, will also be featured at the Budweiser Zone near the Capital One All-Star Village at Cobb Galleria. Handlers will share fun facts about the horses, adding to the excitement of All-Star festivities, which include games and events leading up to Tuesday’s MLB All-Star Game. Break: And now here is Leah McGrath from Ingles Markets on seed oils We’ll have closing comments after this. Break: Ingles Markets 2 Signoff-   Thanks again for hanging out with us on today’s Marietta Daily Journal Podcast. If you enjoy these shows, we encourage you to check out our other offerings, like the Cherokee Tribune Ledger Podcast, the Marietta Daily Journal, or the Community Podcast for Rockdale Newton and Morgan Counties. Read more about all our stories and get other great content at mdjonline.com Did you know over 50% of Americans listen to podcasts weekly? Giving you important news about our community and telling great stories are what we do. Make sure you join us for our next episode and be sure to share this podcast on social media with your friends and family. Add us to your Alexa Flash Briefing or your Google Home Briefing and be sure to like, follow, and subscribe wherever you get your podcasts. Produced by the BG Podcast Network Show Sponsors: www.ingles-markets.com #NewsPodcast #CurrentEvents #TopHeadlines #BreakingNews #PodcastDiscussion #PodcastNews #InDepthAnalysis #NewsAnalysis #PodcastTrending #WorldNews #LocalNews #GlobalNews #PodcastInsights #NewsBrief #PodcastUpdate #NewsRoundup #WeeklyNews #DailyNews #PodcastInterviews #HotTopics #PodcastOpinions #InvestigativeJournalism #BehindTheHeadlines #PodcastMedia #NewsStories #PodcastReports #JournalismMatters #PodcastPerspectives #NewsCommentary #PodcastListeners #NewsPodcastCommunity #NewsSource #PodcastCuration #WorldAffairs #PodcastUpdates #AudioNews #PodcastJournalism #EmergingStories #NewsFlash #PodcastConversations See omnystudio.com/listener for privacy information.

Crypto firms often pitch themselves as an alternative to and the future of traditional finance. So why are firms like Ripple, Circle, Wise and Erebor attempting to charter banks? Penny Crosman, executive editor for technology at American Banker, talks about what's going on, how regulators will view these applications, and whether banks plan to fight back. 

In this episode of the Jake and Gino Podcast, we dive deep into the world of retail real estate with Andy Weiner, Founder and President of Rockstep Capital. Andy shares how he transitioned from running a family clothing empire to revitalizing struggling malls in secondary and tertiary markets. Discover how his “Rock Steps” culture drives high performance, why retail isn't dead, and how positive leverage and local community partnerships are the secret to sustainable success. You'll learn:- Why the future of malls lies in mixed-use redevelopment- How Andy secures non-recourse community bank loans- The benefits of buying at a 15-cap and de-malling to an 8-cap- The biggest mistakes new retail investors make- The unique power of local investors and positive leverage Whether you're a seasoned multifamily investor or curious about diversifying into retail, this is a masterclass in spotting hidden value in overlooked markets. Learn more: https://rockstep.comVisit Rockstep's Learning Center: https://rockstep.com/learning-center/Chapters:00:00:00 - Introduction  00:04:08 - Family Business Struggles and Strategic Lesson  00:06:00 - Leadership at 32: Earning Respect and Setting Vision  00:07:53 - First Real Estate Deal: Assembling Land for Lowe's  00:09:40 - Identifying Opportunity in Retail Real Estate  00:15:24 - The Vicksburg Model and Rockstep's Track Record  00:23:51 - Top Investor Mistakes in Shopping Centers  00:25:20 - Has E-Commerce Killed Retail?  00:29:22 - “Rock Steps” Culture and Company-Wide Accountability  00:34:12 - Brick-and-Mortar + App + Distribution: The Retail Trifecta  00:46:28 - Tractor Supply Love & Market Size Criteria  00:48:04 - Gino Wraps it Up We're here to help create multifamily entrepreneurs... Here's how: Brand New? Start Here: https://jakeandgino.mykajabi.com/free-wheelbarrowprofits Want To Get Into Multifamily Real Estate Or Scale Your Current Portfolio Faster? Apply to join our PREMIER MULTIFAMILY INVESTING COMMUNITY & MENTORSHIP PROGRAM. (*Note: Our community is not for beginner investors)

Nick and Aaron recap the Community Bank 150 at Thunder Road

While serving in the Oklahoma National Guard, Jill Castilla returned home to find a family member had stolen her money. The bank refused to give her the money back. Decades later, she now leads that bank, Citizens Bank of Edmond, and has used it to launch a digital bank aimed at servicemembers to ensure others don't suffer the same fate. She also talks about the policy challenges facing community banks right now, how to fix them, and why she remains optimistic about the future.

What if you could not only predict burnout, but actually prevent it from happening? Elizabeth's keynote speech to the Southaven MS “Women in Business” event hosted by Community Bank is the perfect thought provoking antidote to living a life of overwhelm. Using the Enneagram as a tool to see burnout on the horizon, you can choose to not take the bait. www.EBCconsultingLLC.com

In this episode, Gino Barbaro breaks down the shifting landscape of multifamily and commercial real estate financing in today's uncertain market. With rising interest rates, cautious lenders, and limited partner hesitancy, the 2025 market is looking a lot like 2011. But don't worry — Gino's here to help you navigate the murky waters and find the capital you need to close your next deal.From community banks vs. credit unions, to creative seller financing, to understanding balloon payments and loan terms, Gino shares not just tactical advice — but real deals he's doing right now.Want a copy of Wheelbarrow Profits or seller financing resources?Email Gino: gino@jakeandgino.com We're here to help create multifamily entrepreneurs... Here's how: Brand New? Start Here: https://jakeandgino.mykajabi.com/free-wheelbarrowprofits Want To Get Into Multifamily Real Estate Or Scale Your Current Portfolio Faster? Apply to join our PREMIER MULTIFAMILY INVESTING COMMUNITY & MENTORSHIP PROGRAM. (*Note: Our community is not for beginner investors)

Revisiting the best episodes of 2024 with a focus on money and kids. In this episode, we hear fromKaren Holland, Founder of GiftingSense.orgRenee Campbell, Head of Youth & Family Banking at Chase BankPeter Bergman, Chase, Executive Director and Head of Starter Segment Banking at Chase Consumer & Community Bank