Best joeberq Podcasts (2025)

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Blackrock writes off $150M Renovo loan as Private Credit woes continue 14:47

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16h ago14:47

14:47

Another one of those ‘one-off’ events occurred as Blackrock wrote off its entire $150M investment in Renovo Home Partners. Another blowup in the private credit market. In addition, we check in on the ongoing lawsuits and fallout from the First Brands collapse. BDO’s role as the auditor of First Brands. Major U.S. insurers continue to gobble up priv…

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The CRE maturity wall continues to shift with 2026 coming into focus 14:27

1d ago14:27

14:27

The CRE maturity wall was created by the increase in interest rates from the Federal Reserve starting in 2022. The increase in rates caused banks to ‘extend and pretend’ hoping that the Fed would eventually bring down rates making it easier to renew and roll over existing CRE loans. This action pushed CRE maturities out to 2025 through 2027. The CR…

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BND: Strategy Room Bonus - Private Credit Market Update 6:06

3d ago6:06

6:06

This is a clip from the BND: Strategy Room Live Stream from 11-1-2025. This clip provides an update on the Private Credit Market. Blackrock had another of those "one-off" delinquencies.By Dr. Joseph Bergquist

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BND: Strategy Room 11-15-2025 2:20:18

3d ago2:20:18

2:20:18

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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How can bank board's better deal with AI? 12:27

5d ago12:27

12:27

How can bank board’s properly understand and implement AI? This episode looks at a blog post from PCBB which discusses the challenge for bank board’s in understanding AI and what they can do to strengthen their skills. In addition, we consider an article from Bank Director which dives into how bank board’s can develop AI algorithms to create fairne…

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Does niche lending allow your bank to build better relationships? 13:24

6d ago13:24

13:24

Many Community Banks around the U.S. focus on niche lending products to grow their business and build strong relationships with their customers and communities. This episode looks at three such banks. First Guaranty Bank focuses on commercial leasing. Bell Bank focuses on nonprofit lending. Georgia Banking Company focuses on ESOP lending. Every Com…

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Is selling underwater securities always the best strategy? 12:48

7d ago12:48

12:48

Bank investment portfolios were hit hard when the Federal Reserve increased interest rates a few years ago leading to negative AOCI and unrealized losses in their bond portfolio. Should banks sell those underwater securities to reposition their existing investments for positive income? The answer, it depends. This episode examined an article from B…

1
Citi Strata Elite rewards card disater! 9:35

8d ago9:35

9:35

Citi just rolled out their new rewards card named Strata Elite to compete with AMEX and Chase. Unfortunately, the rollout did not go according to plan as a number of customers were locked out of their accounts and have not been able to utilize the card much less realize the benefits. This episode examined an article from The Wall Street Journal (su…

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Are regulatory exams about to get better for Community Banks? 15:27

9d ago15:27

15:27

The Federal Reserve, OCC, and FDIC are all working on slimming down exam requirements for Community Banks. Some of the potential changes include regulatory actions such as “matters requiring attention,” scrapping any requirements that are not found in law or regulation, increasing the existing threshold from $10 billion to $30 billion, changing wha…

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Interview with Chad Hull, Investment Banker with Janney 27:03

12d ago27:03

27:03

Chad Hull, Investment Banker, with Janney Montgomery Scott returns to discuss the current bank M&A market. Chad and I discuss some of the large banking M&A transactions recently announced. We consider the pickup in M&A activity throughout 2025 and what changes are driving the uptick. Chad provides his thoughts on why the activity could be sustained…

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Is deposit insurance being reformed to benefit billionaires? 13:44

13d ago13:44

13:44

Banking regulators are considering deposit insurance reform to better protect consumers and businesses. Congress is also considering deposit insurance reform through a proposed act titled the Main Street Depositor Protection Act (S.2999). The question is, who will the deposit insurance reforms really benefit? Is this reform focused on consumers and…

1
No more bank robbers? 13:43

14d ago13:43

13:43

According to an FBI report, bank robberies in the U.S. have declined from a high of approximately 9,500 in 1992 to less than 1,400 in 2023. Why have bank robberies decreased? This episode reviews are article from Investopedia titled “The death of the bank heist: Where have all the bank robbers gone?” This article presented five theories, 1) not a b…

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What is going on with credit scores? 16:13

15d ago16:13

16:13

A war of sorts has broken out between Fair Isaac and the three credit reporting bureaus (Trans Union, Equifax, and Experian) over pricing and usage of the FICO credit scoring model. This episode examines how American’s overall credit scores are performing, how rental payments can be used to improve consumer credit scores, and the effects on consume…

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Update on U.S. auto industry 22:33

16d ago22:33

22:33

The U.S. auto industry is currently dealing with a myriad of problems that include a pull back on electric vehicles, tariffs, a fire at aluminum producer Novelis, underwater car trade-ins, concentration of purchasing by the wealthy, subprime delinquency, and microchip issues with Dutch (CCP controlled) company Nexperia. Some of these issues will be…

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BND: Strategy Room 11-1-2025 2:09:02

17d ago2:09:02

2:09:02

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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BND: Strategy Room Bonus Episode - Subprime auto industry crisis! 32:05

18d ago32:05

32:05

This is a BND: Strategy Room bonus episode from the 10-25-2025 live stream. This episode details the current subprime auto industry crisis, which has seen the recent failures of Tricolor Holdings, First Brands, and now Primalend. A number of banks have gotten ensnared in this crisis.By Dr. Joseph Bergquist

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Interview with Dan Knezevich, Commercial Appraiser 24:29

19d ago24:29

24:29

Dan Knezevich has been a commercial appraiser for over 30 years. Dan’s background in appraising commercial properties is extensive. We discuss the different valuation methodologies, pricing for commercial appraisals, what constitutes a commercial property, valuing different property types, and other services his firm provides. Dan is the President …

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The rise of Erebor! 14:02

20d ago14:02

14:02

Erebor bank earns preliminary government approval to proceed as a new startup bank. Erebor is seeking to target many of the same customers from Silicon Valley Bank. The approval for Erebor follows a wave of other companies and startups seeking to become banks. This episode examined articles from The Wall Street Journal and S&P Global Market Intelli…

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CFPB 'deluged' with comments on Open Banking! 18:24

21d ago18:24

18:24

The CFPB collected approximately 14,000 comments on the 1033 rule aka Open Banking rule during the open comments period. The Open Banking debate drew comments from many different groups, which included banks, fintechs, advertisers, food suppliers, consumer advocates, convenience stores, credit unions, grocers, retailers, retirees, libertarians, mor…

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Chengpeng Zhao pardoned! Update on crypto regulation and activities (Crypto Series Part XXX) 19:13

22d ago19:13

19:13

This is part 30 of the crypto series. Lots of activity in the crypto world! Founder of Binance, Changpeng Zhao, was pardoned by President Trump. US banks are starting to warm up to stablecoins. Zelle is getting into the international crypto competition. Banking panel says stablecoins must be simple. Fed Governor Michael Barr warns about stablecoin …

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Major ruling in Heartland Tri-State Bank crypto embezzlement case (Crypto Series Part XXIX) 13:23

23d ago13:23

13:23

This is part 29 of the crypto series. Shareholders of Heartland Tri-State Bank received a favorable and somewhat unprecedented ruling from a judge in the crypto embezzlement case. The judge awarded bank shareholders all money recovered, and the FDIC got nothing! Heartland Tri-State Bank was a small bank in Kansas that failed in July of 2023 due to …

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BND: Strategy Room 10-25-2025 2:15:14

24d ago2:15:14

2:15:14

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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BND: Strategy Room Bonus Episode - Update on failed Silvergate Bank 10:19

25d ago10:19

10:19

The SEC is continuing with charges against Ex-Silvergate Bank CFO. Silvergate Bank was the first bank to fail in the Spring Banking crisis of 2023. Silvergate was the main crypto bank in the country at that time and ran the Silvergate Exchange Network (SEN), which was the main rail system between the crypto world and the banking world. The failure …

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Win more commercial relationships by mastering the account switching experience! 12:20

26d ago12:20

12:20

The account switching experience for commercial banking clients remains one of the most confounding issues. We delve into some of the main bottlenecks, which are redirecting payroll, merchant services, ACHs, customer payments, notifying vendors, and closure of legacy accounts. This is a process that can take 3 to 6 months to complete. The bank that…

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Cybersecurity threats are increasing, does your bank have an incident response plan? 11:55

27d ago11:55

11:55

As banks continue to grapple with cybercrime that includes ransomware, phishing attacks, and business email compromise (BEC), they need to have an incident response plan. However, simply having an incident response plan is not enough. This plan needs to be updated, tested, and practiced annually. This episode examines an article from Independent Ba…

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Review of CSBS Annual Survey of Community Banks for 2025 11:41

28d ago11:41

11:41

The Conference of State Bank Supervisors (CSBS) has released their annual survey of Community Banks. Some of the reports’ key findings include community banker optimism is up, net interest margins, core deposit growth, cost of technology, and cost of funds are the main concerns. Regulatory burden fell from 1st to 6th in this year’s survey. Communit…

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FinCEN offers clarification on bank Suspicious Activity Reporting (SAR) 16:27

29d ago16:27

16:27

The Financial Crimes Enforcement Network (FinCEN) issued frequently asked questions (FAQs) on issues related to suspicious activity reports (SARs). The FAQs clarify regulatory requirements relating to structuring, continuing activity reviews, and a bank’s decision not to file a SAR. Scott Bessent stated, “These are commonsense yet consequential ref…

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Review of Federal Reserve Bank of New York Survey of Consumer Expectations 12:42

30d ago12:42

12:42

The Federal Reserve Bank of New York’s Center for Microeconomic Data released their Survey of Consumer Expectations for September 2025. The report found that household inflation expectations increased at short and long-term horizons and labor market expectations continue to deteriorate. Links to the press release and the report are included below. …

1
BND: Strategy Room 10-17-2025 2:04:20

1M ago2:04:20

2:04:20

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

1
How can bank boards deal with shareholder activism? 12:46

1M ago12:46

12:46

With the bank M&A market heating up, shareholder activism could be on the rise. This episode examines a recent article from Bank Director titled “Shareholder activism could heat up. Should boards fight back?” With the recent announced acquisition of Comerica by Fifth Third Bank, it was revealed that an activist investor played a role in pushing Com…

1
Are consumers shifting to the 'Super App'? 13:19

1M ago13:19

13:19

The rise of so called ‘super apps’ that help small businesses to manage messaging, financial services, payments, and provide other tools could change the game for how banks manage their own apps. WeChat, in China, has been the prototype as the do everything app in the world. But now WhatsApp, google, and X, are all in on trying to create their own …

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Review of ICBA Advocacy in Action for 4Q 2025 13:24

1M ago13:24

13:24

This episode examines ICBA Advocacy in Action for 4Q 2025. This is a quarterly publication from ICBA which covers all the hot button regulatory topics in the banking industry. Regulation covered includes 1071 rule, deposit insurance, digital assets regulatory framework, trigger leads, ACRE implementation, 1033 rule, and GSEs. A link to the PDF is i…

1
Fifth Third Bancorp buys Comerica in big $10.9B bank M&A deal 18:58

1M ago18:58

18:58

Fifth Third Bancorp has agreed to purchase Comerica for $10.9 billion. This is the largest bank M&A transaction since 2021 and one of the largest bank deals since 2009, being over $10 billion in value. This episode examines multiple articles from S&P Global Market Intelligence (subscription required). As the bank M&A market is heating up, strategie…

1
BND: Strategy Room Bonus - Charlie Javice Sentenced! 12:17

1M ago12:17

12:17

Charlie Javice was found guilty of defrauding JPMorgan Chase on the sale of her company Frank. Charlie was sentenced to 7 years in prison and is required to pay JPMorgan Chase over $400 million for both the company and their legal fees.By Dr. Joseph Bergquist

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First Brands Group files for bankruptcy! Private Credit Market in trouble? 19:56

1M ago19:56

19:56

First Brands Group filed for bankruptcy with $2.3 billion missing and a criminal investigation being started. First Brands Group is the second major failure in the auto industry within the last month following the bankruptcy of Tricolor Holdings. Both companies are tied to the Private Credit Market. First Brands Group appears to have committed majo…

1
BND: Strategy Room 10-11-2025 2:17:05

1M ago2:17:05

2:17:05

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

1
Fitch Ratings warns about systemic shock to Private Credit! 16:33

1M ago16:33

16:33

Here we go again! Another warning about Private Credit, this time from Fitch Ratings. According to their resent research, a shock to the financial system that impacts the Private Credit sector could create a large systemic problem for a wide range of investors and lenders (i.e. Hedge Funds, Private Equity Funds, and Banks). In this episode we revie…

1
Is AI profitable Part 4: McKinsey Beyond the Hype 20:08

1M ago20:08

20:08

Companies are beginning to realize a hard truth about AI, namely that making a significant investment building flashy AI prototypes is easy, but creating measurable business value (i.e. a profit) is not! 80% of companies report using the latest GenAI and the same percentage have reported no significant gains in topline or bottom-line performance. T…

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Is AI profitable Part 3: McKinsey Superagency in the Workplace 17:01

1M ago17:01

17:01

While nearly all companies are investing in AI, only 1 percent of leaders call their companies “mature” on the development spectrum. This is according to a report from McKinsey titled “Superagency in the Workplace: Empowering people to unlock AI’s full potential.” The report states that the long-term AI opportunity is $4.4 trillion in added product…

1
Is AI profitable Part 2: MIT State of AI in Business 2025 16:19

1M ago16:19

16:19

By Dr. Joseph Bergquist

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Is AI profitable Part 1: The GenAI Paradox 13:19

1M ago13:19

13:19

By Dr. Joseph Bergquist

1
BND: Strategy Room 10-3-2025 2:11:11

2M ago2:11:11

2:11:11

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

1
Was KPMG partially responsible for the 2023 banking crisis? 20:03

2M ago20:03

20:03

KPMG, one of the big four accounting firms in the U.S., was the audit firm for Silicon Valley Bank, Signature Bank, and First Republic Bank, the three major banks that failed in the banking crisis of 2023. A new report from The Senate Permanent Subcommittee on Investigations examined KPMG’s role in the bank failures. Does KPMG bear any responsibili…

1
Review of Bank Director 2025 Technology Survey 21:21

2M ago21:21

21:21

Bank Director’s 2025 Technology Survey examines decision-making, data strategies, and how banks are using artificial intelligence. Banks are continuing to grapple with data, AI maturity, and technology costs. This episode examines an article from Bank Director titled “2025 Technology Survey: Banks Grapple with data, AI maturity.” Links to both the …

1
How should banks deal with cross-border payments? 11:45

2M ago11:45

11:45

Cross-border payments reforms continue to take shape. It is important for community banks to understand opportunities and significant changes in this space. The G20 roadmap continues to take shape around three key areas. 1) Payment system interoperability and extension, 2) Legal, regulatory, and supervisory frameworks, and 3) Cross-border data exch…

1
Review of OCC Report on Bank Trading and Derivatives Activity for 2Q 2025 12:07

2M ago12:07

12:07

This episode examines the results from the OCC 2Q 2025 Bank Trading and Derivatives Activities report for banks in the U.S. Bank trading revenue increased $16.6 billion in the 2nd quarter. Derivative notional amounts increased by $13.1 trillion to $223.5 trillion. Links to the press release and report are included below. Link: OCC Reports Second Qu…

1
The failure of public schools is epidemic! 15:52

2M ago15:52

15:52

A new report from NAEP on public school performance in the U.S. shows catastrophic results with 1 in 5 Americans functionally illiterate! The public school system in the U.S. has consumed trillions of dollars only to deliver worse results. This episode examines two articles from the Epoch Times (subscription required) title “Latest education scores…

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BND: Strategy Room 9-27-2025 2:08:54

2M ago2:08:54

2:08:54

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

1
What is myth versus fact for banks when it comes to Stablecoins? 12:35

2M ago12:35

12:35

With the passing of The Genius Act and other potential legislation on the way, Banks will soon have a full regulatory framework around Stablecoins. This new legislation has brought expectations around Stablecoins, with some people seeing major change while others think not much will happen. In this episode we consider myth versus fact by reviewing …

1
Is there an opportunity for Community Banks in Multifamily lending? 12:09

2M ago12:09

12:09

National and regional banks have been pulling back on Multifamily lending. Does that create an opportunity for Community Banks? The pullback in lending by the largest banks is due, in part, to higher interest rates on existing debt and tighter liquidity. We consider some tips for Community Banks that could lead to multifamily lending success. This …

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