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Roundtable on the Future of Retail Banking

February 12, 2017

Authors

Robert Klingler

Roundtable on the Future of Retail Banking

February 12, 2017

by: Robert Klingler

the-bank-accountOn Friday, February 10, 2017, Jonathan and I sat down with our partners, Jim McAlpin, head of Bryan Cave’s Financial Services practice, and Dan Wheeler, head of Bryan Cave’s Fintech practice, to discuss the impact of financial technology on retail banking.  Like branching strategies, there isn’t necessarily one universally correct strategy with how community banks should address financial technology, but ignoring fintech completely is unlikely to be a viable long-term

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Acquire or Be Acquired 2017 Takeaways

February 3, 2017

Authors

Robert Klingler

Acquire or Be Acquired 2017 Takeaways

February 3, 2017

by: Robert Klingler

the-bank-accountJoining everyone else, we offer our takeaways from BankDirector’s 2017 Acquire or Be Acquired Conference, but we think we might be the first/only podcast recap of AOBA! Bryan Cave’s head of Financial Services, Jim McAlpin, joins Jonathan and me in a free ranging discussion of the conference in Episode 10 of The Bank Account.

Specific topics include some thoughts on KBW’s opening remarks, comments on the investor panel and

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Pinnacle Financial’s Acquisition of BNC Bancorp

January 24, 2017

Authors

Robert Klingler

Pinnacle Financial’s Acquisition of BNC Bancorp

January 24, 2017

by: Robert Klingler

Our new podcast recording studio features fake palm trees and an oaken barrel (off camera), neither of which likely materially impacts Episode 9 of The Bank Account.  Nonetheless, Jonathan and I enjoyed the change in scenery as we discussed the just announced $1.9 billion merger of Pinnacle Financial Partners, headquartered in Nashville, Tennessee, and BNC Bancorp, headquartered in High Point, North Carolina.

In addition, we recorded the episode with a new microphone.  Unfortunately, I’m not sure the new microphone makes

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Lift-Outs: The Rules of the Game and Playing to Win

January 17, 2017

Authors

Robert Klingler

Lift-Outs: The Rules of the Game and Playing to Win

January 17, 2017

by: Robert Klingler

the-bank-accountStraight from the heart of the “crime infested” fifth Congressional District of Georgia, Jonathan and I managed to safely convene for a discussion on lift-outs of bank employees in Episode 8 of The Bank Account.

Lift-outs offer a potential M&A-lite approach to further growth, and when done correctly, can result in a win-win-win for the hiring bank, the affected employee, and the bank the employee is leaving. Among the topics discussed,

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Walt Moeling Joins The Bank Account

December 28, 2016

Authors

Robert Klingler

Walt Moeling Joins The Bank Account

December 28, 2016

by: Robert Klingler

the-bank-accountJonathan and I were joined by the godfather of banking law, our Senior Partner, Walt Moeling for Episode 7 of The Bank Account.

Enjoy Walt’s thoughts on where the banking industry is headed in 2017, what he sees as the biggest concerns today, what one regulatory change he would make if given carte blanche power to improve the system, and a prediction on the number of community banks in the future.

For nearly

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OCC’s New FinTech Charter

December 19, 2016

Authors

Robert Klingler

OCC’s New FinTech Charter

December 19, 2016

by: Robert Klingler

the-bank-accountJonathan and I were joined by Ken Achenbach for Episode 6 of The Bank Account in which we discuss the OCC’s newly announced special purpose charter for FinTech companies.

Among the topics covered in this discussion are how we view the OCC’s announcement, how existing banks may want to look at the announcement, and the largest challenge that we think may emerge for FinTech companies entering the banking space.

Unfortunately, the highlight of

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To Deposit or Not to Deposit: a Question for Fintech Charters

December 7, 2016

Authors

Robert Klingler and Seyi Iwarere

To Deposit or Not to Deposit: a Question for Fintech Charters

December 7, 2016

by: Robert Klingler and Seyi Iwarere

The fintech industry has justifiably greeted the OCC’s announcement of a national fintech charter with optimism. But one area where we have seen significant confusion is the possibility of the fintech charter being granted without deposit insurance, and the implications thereof.

Background.  On December 2, 2016, OCC Comptroller Thomas Curry announced that the OCC is planning to take applications from fintech companies wishing to obtain a special purpose national bank charter.  These banks would be national banks with the same privileges and

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The Financial CHOICE Act

December 2, 2016

Authors

Robert Klingler

The Financial CHOICE Act

December 2, 2016

by: Robert Klingler

the-bank-accountJonathan and I convened after lunch (a delicious assortment of tacos) to record Episode 4 of The Bank Account.  We focused on The Financial CHOICE Act as a potential roadmap for the potential bank regulatory reforms under the Trump administration.

The Financial CHOICE Act represents the the Republican’s 2016 proposal to reform the financial regulatory system.  While Republican’s regulatory reforms may vary next year based on the change in administration (and

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Trump Rally and De Novo Bank Questions

November 18, 2016

Authors

Robert Klingler

Trump Rally and De Novo Bank Questions

November 18, 2016

by: Robert Klingler

the-bank-accountWe took a week off to allow the election results settle in a little bit, but Episode 3 of The Bank Account is now online.

In this episode, Jonathan and I discuss the effects the Trump rally has had on announced M&A transactions, a recent 363 bankruptcy auction whereby Home Bancshares emerged the winner of Bank of Commerce, and questions that anyone considering starting a de novo bank should be prepared to answer.

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Reimagining Your Board’s Function

November 3, 2016

Authors

Robert Klingler

Reimagining Your Board’s Function

November 3, 2016

by: Robert Klingler

the-bank-accountThey said we’d never get this far, but Episode 2 of The Bank Account is now online.

In this episode, Jonathan and I are joined by colleague Ken Achenbach to discuss the recent jury verdict in the FDIC vs. Loudermilk case and what impact it should have on community bank boards and committees.  We also discuss how board performance can be improved by focusing on strategic rather than individual management decisions.

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