Best joeberq Podcasts (2025)

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Episode 419: Book Review: Reminiscenses of a Stock Operator (Jesse Livermore) 14:02

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1d ago14:02

14:02

This episode is a book review of Reminiscences of a Stock Operator by Edwin Lefevre. The book is a fictionalized biography about Jesse Livermore, who was one of the greatest stock traders that ever lived. This book is a financial classic and one of the most recommended investment books ever written.By Dr. Joseph Bergquist

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BND: Strategy Room 7-6-2025 1:50:17

2d ago1:50:17

1:50:17

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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4th of July Special 2025: Adam Smith and The Wealth of Nations 19:10

4d ago19:10

19:10

This episode is a book review for The Wealth of Nations. We discussed the book, the author Adam Smith, context around the year it was published in 1776, and its enduring influence. The Wealth of Nations is considered the cornerstone of modern economics, shaping capitalism, and policy worldwide. The Wealth of Nations is a masterpiece that birthed Ca…

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Episode 418: Interview with former Fed Governor Dr. Thomas Hoenig 26:09

5d ago26:09

26:09

The Lords of Easy Money series continues with an exclusive interview with Dr. Thomas Hoenig. Dr. Hoenig is the former Governor of the Kansas City Federal Reserve Bank and Vice-Chairman of the FDIC. Dr. Hoenig is the main character in the book The Lords of Easy Money by Christopher Leonard. Dr. Hoenig became famous for his dissenting votes during FO…

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Episode 417: Review of Bank Director 2025 Compensation & Talent Survey 17:00

6d ago17:00

17:00

This episode examines an article from Bank Director titled “2025 Compensation & Talent Survey: Powering the C-Suite” and the Bank Director 2025 Compensation & Talent Survey. The Key findings from the report include measuring CEO performance, hiring plans level off, DEI programs decline, handling mishires, head count plateau, and costs continue to r…

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Episode 416: Review of OCC Q1 2025 Reports on Mortgage Metrics and Derivatives Activities 17:40

7d ago17:40

17:40

This episode examines two reports from the Office of the Controller of the Currency (OCC). Both reports are for the 1st quarter of 2025. The first report is “OCC Mortgage Metrics Report” and the second report is “Quarterly Report on Bank Trading and Derivatives Activities.” The Mortgage Metrics report showed 97.6% of mortgages were current and perf…

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Episode 415: A new 'Genesis' for the Crypto Winter of 2022? (Crypto Series Part XXIII) 16:36

8d ago16:36

16:36

This is part 23 of the crypto series. In this episode we review an article from The Wall Street Journal (subscription required) titled “Crypto billionaire is accused of fraud.” Barry Silbert, one of the original crypto moguls, is being accused of fraud through his defunct company Genesis Capital. What makes this really interesting is that the credi…

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BND: Strategy Room 6-27-2025 2:13:51

11d ago2:13:51

2:13:51

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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Episode 414: Checking up on Millionaires in the U.S. 19:28

11d ago19:28

19:28

This episode examines three articles from Investopedia. The articles are titled “How many people retire with $1 million or more in their retirement account? The number might surprise you”, “Which generation is the wealthiest in U.S. history, and why?”, and “US added over 1,000 millionaires a day last year – more than elsewhere, UBS says.” These thr…

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Episode 413: What is your banks data strategy? 16:52

12d ago16:52

16:52

This episode examines an article from Bank Director titled “Crafting your data strategy.” The article considers how advancements in technology can enable community banks to unlock greater labor efficiency, new revenue opportunities and create better risk management. This all depends on the bank’s data strategy. The article considers potential ‘blin…

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Episode 412: What is the impact of stopping penny production? 10:51

13d ago10:51

10:51

This episode examines a blog post from PCBB titled “The impact of halting penny production.” As a result of high production costs, the US Mint will discontinue printing pennies in 2026. What does this mean for banks, businesses, and consumers? Banks may see adjustments serving cash-based businesses and coin inventory changes. Businesses may need to…

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Episode 411: AI update 17:45

14d ago17:45

17:45

This episode examines a series of AI related articles from The Wall Street Journal and Epoch Times (Subscriptions required). The articles primarily cover AI related developments with Meta and OpenAI. Meta is seeking to fully automate ad creation using AI and is teaming up with Anduril to develop combat VR headsets for the Army. OpenAI has committed…

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Episode 410: Crypto legislation, crypto kidnappings, and more! (Crypto Series Part XXII) 21:14

15d ago21:14

21:14

This is part 22 of the crypto series. In this episode we review all the latest news in the crypto world. Genius Act passes the U.S. Senate. Shares of Coinbase and Circle ride high. Stablecoin legislation could juice demand for Treasury’s. Walmart and Amazon may create their own stablecoins. Various companies are investing in crypto. DOJ seizes reco…

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BND: Strategy Room 6-21-2025 2:00:22

17d ago2:00:22

2:00:22

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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Episode 409: Should your bank implement a digital lending platform? 12:25

18d ago12:25

12:25

This episode examines a blog post from PCBB titled “Benefits of digital lending keep growing, along with loan volume.” The market for small business loans continues to grow. A digital lending platform can provide borrowers with the convenience of applying for loans at the time, place, and using the device that is best for them. Digital lending can …

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Episode 408: What is Proptech? 9:26

19d ago9:26

9:26

This episode examines a blog post from PCBB titled “What is Proptech, and how can it help with CRE lending?” Proptech is the marrying of real estate and technology to change the way that real estate is marketed, sold, and managed. Some examples include Zillow, Airbnb, Appfolio, and Buildium. Proptech can help banks in the following ways: CRE transa…

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Episode 407: What are 7 traits of great leadership? 14:12

20d ago14:12

14:12

This episode examines an article from Independent Banker Magazine titled “What makes a leader truly great? Experts weigh in.” This article shares seven traits of great leaders. Those traits include putting people first, make community a top priority, lead with authenticity, listen and respond mindfully, value education, make thoughtful but efficien…

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Episode 406: Billions of bank sub debt is about to reprice! 11:54

21d ago11:54

11:54

This episode examines an article from Bank Director titled “Billions of sub debt set to reprice, forcing banks to explore options.” Banks issued billions in subordinated debt in 2020 and 2021. That debt is about to be repriced. Bank boards and management teams have some interesting decisions to make. A link to the article is included below. Link: B…

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Episode 405: Bank M&A market update 18:34

22d ago18:34

18:34

This episode provides an update on the bank M&A market for the first half of 2025. We examine three articles from S&P Global Market Intelligence (subscription required) and we review a blog post from PCBB titled “Stats show 2025 is M&A’s year, but what’s helping deals succeed.” Bank M&A was quiet for most of 2024 and then picked up toward the end o…

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BND: Strategy Room 6-14-2025 2:09:32

24d ago2:09:32

2:09:32

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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Episode 404: FED warns banks Private Credit ties create "systemic risk!" 13:11

25d ago13:11

13:11

This episode examines an article from the abfjournal titled “Federal Reserve Research Warns Bank-Private Credit Ties Create “Systemic Risk” and a research report from the Federal Reserve titled “Bank Lending to Private Credit: Size, Characteristics, and Financial Stability Implications.” Private Credit has grown exponentially in the last five years…

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Episode 403: Drug cartels flood big banks with bags of cash??!!!! 14:11

26d ago14:11

14:11

This episode examines an article from The Wall Street Journal (subscription required) titled “Bags of cash from drug cartels flood teller windows at U.S. banks.” Chinese money launders are hard at work funneling their ill-gotten gains through big banks. What is going on here? Why are big banks allowing this? Why are people not being prosecuted for …

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Episode 402: Is an MBA degree still worth it? 13:01

27d ago13:01

13:01

This episode examines an article from The Business Journal (subscription required) titled “Employers put a price on master’s degrees. It’s changing pay scales.” An MBA degree used to be a sure-fire way to the executive ranks and a big salary. Not so much anymore. Employers’ opinions on the value of an MBA are changing. Some value it and some do not…

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Episode 401: How should AI be regulated? 11:29

28d ago11:29

11:29

This episode examines a blog post from Bank Director and an article from The Wall Street Journal (subscription required) titled “The Giants of Silicon Valley are having a midlife crisis over AI.” As the major players in Silicon Valley battle over dominance in the AI space, the rest of us are left to wonder, how will AI be regulated?…

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Episode 400: Crypto in your 401(k), bitcoin checkout, and memecoin dinners! (Crypto Series Part XXI) 19:48

29d ago19:48

19:48

This is part 21 of the crypto series. In this episode we review the potential for crypto in your 401(k), Block’s bitcoin checkout in Vegas, Circle’s IPO, Trump Media shares drop as it decides to buy bitcoin, and President Trump’s memecoin dinner.By Dr. Joseph Bergquist

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Episode 399: Review of Cornerstone Advisors Report the Journey Toward 2030 19:00

1M ago19:00

19:00

This episode reviews a research report from Cornerstone Advisors title: The Journey Toward 2030: Becoming a Smarter Bank. The report details 5 pillars that are key to becoming a smarter bank. They include hyper-efficient, data-driven, nimble, differentiated, and opportunistic. The pillars address the biggest challenges banks and credit unions face …

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Episode 398: Review of FED Senior Loan Officer Opinion Survey for April 2025 13:52

1M ago13:52

13:52

This episode reviews the Federal Reserve Senior Loan Officer Opinion Survey (SLOOS) on bank lending practices for April 2025. Some of the key findings of the report include tighter lending standards and weaker demand for C&I loans, unchanged lending standards and weaker demand for CRE loans, and loans for RRE, HELOC, credit cards, and other consume…

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Episode 397: Review of ICBA white paper on Industrial Loan Companies 14:42

1M ago14:42

14:42

This episode reviews a white paper issued by the Independent Community Bankers Association (ICBA) on Industrial Loan Companies (ILCs). This white paper outlines the history of the ILC charter, the growth of the ILC industry, why ILCs are a threat, and finally why the ILC “loophole” should be closed. A link to the report is included below. Link: ilc…

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Episode 396: Review of FDIC 2024 Annual Report of Activities 11:30

1M ago11:30

11:30

This episode reviews the FDIC 2024 Annual Report of Activities. This report details the activities of the Office of the Ombudsman within the FDIC. What is the Ombudsman and what do they do? The Ombudsman serves as a confidential, neutral, independent, and informal liaison for the banking industry and the general public by facilitating the resolutio…

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Episode 395: Review of FDIC Risk Review Report for 2025 15:32

1M ago15:32

15:32

This episode reviews the FDIC Risk Review Report for 2025. Some of the key findings from the report include economic conditions remained solid in 2024, banking industry was resilient in 2024 despite the challenges of an inverted yield curve and higher interest rates, market risks continue to challenge the banking industry, and credit risk varied by…

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Episode 394: Review of OCC Interest Rate Risk Statistics Report for Spring 2025 14:56

1M ago14:56

14:56

This episode reviews the OCC Interest Rate Risk Statistics Report for Spring 2025. The report shows that smaller financial institutions are very sensitive to an upward movement in interest rates. EVE is also very sensitive to upward interest rate shocks. Larger banks appear to be less sensitive to upward interest rate shocks. Non-maturity deposits …

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Episode 393: Review of FED Economic Well-Being of U.S. Households in 2024 15:10

1M ago15:10

15:10

This episode is a review of the Federal Reserve Board of Governors annual Economic Well-Being of U.S. Households in 2024 report. Some of the key findings from the report include inflation continued to be a top financial concern, the labor market remained solid, people continued to earn money doing gigs, emergency savings measures remained similar t…

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Episode 392: Review of FDIC Quarterly Banking Profile for Q1 2025 13:05

1M ago13:05

13:05

This episode is a review of the FDIC Quarterly Banking Profile for Q1 2025. For all banks, net income increased from prior quarter, NIM ticked down, asset quality metrics remain generally favorable with a little bit of weakness in certain portfolios, loan growth remained tepid, deposits were up for a third straight quarter, and the DIF reserve rati…

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BND: Strategy Room 5-31-2025 2:04:16

1M ago2:04:16

2:04:16

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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Episode 391: How do community banks maintain culture? 16:33

2M ago16:33

16:33

This episode examines an article from Independent Banker Magazine titled “Workplace Culture: A make or break for community bank employees?” The article recommends six ways that a community bank can maintain a strong culture. They include hiring with culture in mind, set cultural expectations, a chance to speak up, reward and recognize, demonstrate …

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Episode 390: What back-office upgrades can drive efficiency? 15:51

2M ago15:51

15:51

This episode examines an article from Independent Banker Magazine titled “Drive efficiency with these 9 back-office upgrades.” The 9 recommendations for increasing efficiency include automate loan exceptions, use RPA to reduce repetitive tasks, establish common sense practices, reduce the use of spreadsheets, get maximum value out of existing solut…

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Episode 389: WOW housing is unaffordable! 15:37

2M ago15:37

15:37

This episode examines a report from the National Association of Realtors and Realtor.com titled “Affordability and Homebuilding: State-by-State Report Cards.” This report breaks down, state-by-state, affordability and supply. Some of the key findings focus on income-based affordability gaps, deficit of affordable homes, impact on first-time buyers,…

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Episode 388: Will there ever be another Warren Buffett? 13:38

2M ago13:38

13:38

This episode examines an article from The Wall Street Journal (subscription required) titled “Why there will never be another Warren Buffett.” The author provides three reasons why there will never be another Warren Buffett: the person, the period, and the package. Warren was a unique individual who was obsessed with studying companies. He was trai…

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Episode 387: Interview with Dr. William Minnis, former bank CEO 25:49

2M ago25:49

25:49

This episode is an interview with Dr. William “Bill” Minnis, who is a former bank CEO of Citizens National Bank of Paris. This bank was located in Paris, Illinois. We discuss being a bank CEO during a difficult time. What he did and did not like about the job. Things he would do differently, and what advice he would have for someone becoming a bank…

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BND: Strategy Room 5-17-2025 2:03:42

2M ago2:03:42

2:03:42

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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Episode 386: Review of TBAC report to Secretary of the Treasury 20:04

2M ago20:04

20:04

This episode examines a recent report from the Treasury Borrowing Advisory Committee (TBAC) to the Secretary of the Treasury. This report covers a number of important topics that include projected funding needs, trade policy, longer-term yields in Treasuries, Treasury’s buyback program, conversation on the debt limit, and terms of issuance. This re…

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Episode 385: Review of Treasury Report on Stablecoins (Crypto Series Part XX) 18:17

2M ago18:17

18:17

This is part 20 of the crypto series. In this episode we review a presentation that was made by the Treasury Borrowing Advisory Committee (TBAC) titled “Digital Money.” The Treasury believes that U.S. dollar-pegged stablecoins are on track to reach an aggregate market capitalization of approximately $2 trillion by 2028. Links to the Treasury presen…

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Episode 384: How can your bank get started with FedNow? 11:21

2M ago11:21

11:21

This episode examines an article from Independent Banker Magazine titled “5 Ways community banks can take advantage of FedNow.” The authors propose 5 steps that community banks can use to adopt FedNow. 1) Lean on third-party providers, 2) Start with a receive functionality, 3) Develop implementation plans, 4) Identify use cases that offer value, an…

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Episode 383: Mar-a-Largo Accord? 19:01

2M ago19:01

19:01

This episode examines an article from The Wall Street Journal (subscription required) titled “Trump is right about trade imbalances. Does he know how to fix them?” The premise of the article is that economist John Maynard Keynes once proposed a plan back in 1941 that would balance trade imbalances between countries but was not utilized. Trump is lo…

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Episode 382: Internal vs External hiring 13:19

2M ago13:19

13:19

This episode examines an article from Bank Director titled “The tough choice between internal promotions or external hiring.” The best thing a company can do is strike a balance between internal talent development and bringing in external talent. This will allow a bank to build a strong, adaptable leadership team. But beware, there are pros and con…

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BND: Strategy Room 5-10-2025 2:02:05

2M ago2:02:05

2:02:05

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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Episode 381: Update on crypto regulation, SOFI, Morgan Stanley, and more! (Crypto Series Part XIX) 21:40

2M ago21:40

21:40

This is part 19 of the crypto series. In this episode we review the upcoming crypto regulations (Stable Act and Genius Act), The Treasury sees stablecoin having a value of $2 trillion, SOFI bringing back crypto investing, Morgan Stanley adding crypto trading to E*TRADE platform, FDIC, Fed, and SEC permitting banks to engage in crypto-related activi…

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Episode 380: How does your bank differentiate itself? Become a niche player! 13:26

2M ago13:26

13:26

This episode examines an article from Bank Director titled “Finding your lane.” There are many possible opportunities out there for banks to develop a niche. They could focus on deposits, cash management and payment channels, or various types of lending. The important thing is for banks to develop expertise in the area they wish to target. Furtherm…

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Episode 379: Why banks DO NOT embrace SBA lending! 14:30

2M ago14:30

14:30

This episode examines an article from Bank Director titled “Embracing SBA lending in difficult times.” This article espouses the opportunity that SBA lending can provide to a bank. The article also provides 5 reasons why banks hesitate to provide SBA lending. Understanding why a bank would not want to provide SBA lending is perhaps more information…

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Episode 378: Four principles executives should use when making capital decisions 11:20

2M ago11:20

11:20

This episode examines an article from Bank Director titled “The cost of flawed capital decisions.” Banks use various metrics to evaluate a transaction. Some of these can include IRR, TBV, and EPS. Do these metrics tell the whole story? The authors lay out 4 foundational principles that bank executives should use when allocating capital. How banks u…

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