Community Banker sharing insights and dropping jokes. Surviving this Fintech universe.
Joined April 2022
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24 Nov 2025
My prediction: the Fed will cut 25bps in Dec or Jan and pause til mid 2026. Second half 2026 going to see 100bps fast right for midterms.
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You got to be very incompetent to accomplish this.
Jun 12
Two banks have spent $1bn "without generating a significant return on investment." Yikes.
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Insane to live in a country that can produce a person that started with nothing is now worth a trillion dollars. It’s mind boggling.
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I love crazy option stories and I have my own today. Bought a few SPX put spreads yesterday that expire today.
This morning was down 90% at open so I closed out the sold put and let the other run. Came out of my first meeting and market had sold off and my position had made me 100% so I closed out bc the dailies are nuts.
If I had held an hour later, it would have been 1,000%! Makes me sick BUT the option ended at $0 at the end of the day. 😂
Insane.
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All hotel loans done from 2021-2024 really seem like they are marginal at best. Hanging on by a thread.
Just saw one hotel in our area sell at a 60% discount from 2019 value.
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At 45, I go back to the quote in the movie Jobs. “In life you only get to do so many things. And right now we have chosen to do this so let’s make it great.”
May 30
One of the hardest pills to swallow is being in your 40s and realizing the decades you spent climbing the corporate ladder were a waste.
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Banks are cutting rates aggressively in my area. Make me think q2 loan growth weak.
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How I’m assessing workflow and AI cases:
1) Does it save time for my employee?
2) How much time on a dollar per hour?
3) Can I use time save to reduce my per loan/deposit processing costs down to $10 or less?
4) Can the cost to resolve a customer issue come down 75%?
5) Can I produce reports in less time to manage my risk?
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May 24
I’d like to give Brandon Turner sincere credit for this post on IG.
He fully owned up to the loss of LP capital publicly.
Explained his responsibility, which is the most important, along with the market factors the affected the downfall of this deal.
This is exactly how a sponsor should transparently communicate when something like this happens.
It doesn’t make the loss of capital easier, but I have true respect for people that take ownership.
The guru class has butchered the handling of their errors over the past 5 years.
Brandon is the first one I’ve seen to step forward and address it.
Credit where credit is due.
Bravo.
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Graduate Banking at LSU is going on this month. Was a great memory back in the day. My only criticism now is that banking has changed. The curriculum needs refreshing for technology.
All these banking schools are being taught by older generation of bankers and their knowledge is meaningless now.
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I think about this a lot. I have one kid who is almost 2 years old and right now, no way I would consider a second given the costs. Would rather have all our family resources go to him to use. We got to start incentivizing families in this country instead of making it costlier.
What is happening here?
The US birthrate is now down -30% since pre-2008 levels while financial wealth is at record highs.
Why? Because only asset owners are able to afford this economy.
As shown in our below analysis, this crisis accelerated in both 2008 and 2020.
And, with every recession and every round of inflationary economic stimulus, the crisis simply accelerates even further.
Now, we are seeing the biggest divergence between the S&P 500 and the US birth rate in history.
The result? Tons of young Americans simply cannot afford to have kids in another sign of the "K-Shaped" economy.
The US is facing a massive demographic crisis.
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The money that can be made to consult with any business on data infrastructure setup for AI agent creation and orchestration is a gold mine. Is there a reputable site for finding these people?
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I love bourbon too but this is wild. 🥃
May 20
Current look at the line at Buffalo Trace Distillery as of 9:40am this morning as they release more EHT Four Grain. That might be the longest I have ever seen it.
📸 via Kieth Evergreen
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ALCO fun: we sold our pay fixed receive floating swaps for a nice gain that pays for floors against our HELOC portfolio over next 3 years.
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Has anyone seen a “subject to” investor transaction blow up after the transfer of title? Seems like it’s easy to prove fraud but I see it happening
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Our projection for loan growth this year was 12% and looking at pipeline through June, we are on pace for 10%. Margin has squeezed down about 10bps since start of year but still at 3.90%. I expect it to continue to squeeze down.
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An MBA is worthless in this day of information accessibility. You can learn anything you want.
May 13
JUST IN: Business schools are slashing MBA tuition by as much as 50% due to falling demand.
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I’m bookmarking this to always come back to. At the end of the day, the market is all that matters to the economy now and the power of fiscal dominance or debasement prevents any meaningful drawdown from happening.
May 13
We recorded a momentum thrust off the 2023 correction, 2025 mini-bear, and the 2026 correction.
Highly abnormal to have this many momo thrusts and at ATHs...We have argued these v-shaped rebounds are a feature of the "debasement regime."
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Elon’s vision and how he adapts is so far ahead of the next person. It’s not even close. SpaceXAI going to make him a trillionaire easily.
This might be the most important part of the new Anthropic deal with SpaceXAI…
Elon is now building a neocloud in a market that he dominates almost entirely. I expect we'll see more deals like this in the near future.
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