Jeff For Banks

APRIL 25, 2015

His leap-of-faith assumption was that new banks are critical to new business formation. I don't think de novo banks are key players to business startup capital formation. Sure, if you cite studies that say these banks' loan books are predominantly small, as the FDIC measures them. I'm skeptical.

FDIC 60

FDIC Capital Community Bank Lending 60

Jeff For Banks

MARCH 5, 2021

A bank trade association CEO asked me a couple of questions while he was researching an op-ed piece. Shouldn't the CFPB work to address the impediments to starting a bank in LMI markets rather than punish community banks who scrambled to serve their customers when the economy shut down? The edited Q&A is below.

Regulation 78

Regulation Indiana Charlotte Community Bank 78

Independent Banker

MARCH 15, 2015

It was a prescient move for Hartings and the $450 million-asset community bank, which comfortably weathered the downturn even though residential mortgages are its biggest business line—but not everyone appreciated Hartings’ common-sense approach at the time. Large Community Bank Council, member. Membership-Marketing.

Ohio 70

Ohio Community Bank Community Lending 70