The Banker Next Door

Dr. Joseph Bergquist
  • 4.8 (8)
  • BUSINESS

BND is focused on the U.S. Banking industry and how the industry intersects with finance, technology, and economics. Topics discussed can include all types of banking products and lines of business along with strategy, marketing, management, and leadership.

  1. 14H AGO

    Review of FSB report 'Vulnerabilities in Government Bond-Backed Repo Markets'

    The Financial Stability Board (FSB) released a report in February 2026 that outlines three vulnerabilities in government bond-backed Repo Markets. The interlinked potential sources of structural vulnerabilities include 1) Repo Markets can facilitate a build-up of leverage, 2) Demand and supply imbalances in Repo Markets can arise quickly in stress periods, and 3) Repo Markets are highly concentrated along various dimensions. This report is excellent, providing background on Repo Markets, how they work, structural vulnerabilities, interlinkages, and potential contagion. Repo Markets play a critical role in facilitating the flow of cash and securities throughout the financial system. A link to the report is included below.    Link: Vulnerabilities in Government Bond-backed Repo Markets

    21 min

  2. 1D AGO

    Review of Cornerstone Advisors report 'What's Going on in Banking' 2026

    Cornerstone Advisors released their annual report ‘What’s Going on in Banking’ for 2026. The report focuses on Banks and Credit Unions in the United States and provides survey results from hundreds of bankers. The main themes in this year’s report were AI, crypto, tech spending, fraud, and payment channels. Most bankers are very optimistic about the overall outlook for 2026. Deposit gathering is their main focus. They view big fintech as their main threat. AI adoption is increasing. Fraud continues to be a big problem. Most believe tech spending will increase. Most banks are talking about tokenized deposits, blockchain, and stablecoins. Instant payment adoption is increasing, but not where it should be. Most banks are focusing on CRE and C&I lending in 2026. Banks should be doing more with fintech partnerships. Finally, what is going on with Open Banking? Included below is a link to Cornerstone Advisors website. Link:  https://www.crnrstone.com

    26 min

  3. 2D AGO

    Remembering American Economist Dr. Murray Rothbard

    Dr. Murray Rothbard (March 2, 1926 to January 7, 1995) would have turned 100 on March 2, 2026. Dr. Rothbard was an American economist of the Austrian School, an economic historian, political theorist, and activist. Dr. Rothbard was one of the most prominent economic thinkers of the 20th century. He was a central figure in the libertarian movement. Politically he was right leaning but got involved with both political parties throughout his career. He was founder and leading theoretician of anarcho-capitalism. He wrote extensively, publishing over 20 books, thousands of essays, and was editor of various periodicals and journals. Dr. Rothbard is absolutely one of the economists from the 20th century whose work should be studied. This episode reviewed an article from The Epoch Times (subscription required) titled “Murray N. Rothbard at 100.”

    23 min

  4. 3D AGO

    BND: Strategy Room Bonus - Is the Private Credit Market about to meltdown?

    This video is a clip from BND: Strategy Room Live Stream on March 7, 2026. The approximately $1.8 Trillion private credit market turmoil has entered a new phase. It started last year with the failures of Tricolor Holdings, First Brands, and several other small companies. Now Blue Owl Capital is in free fall, BlackRock is restricting investors from withdrawing from one fund while marking down the value of another fund to ZERO, Blackstone had to put in $400 million of their own money to honor redemptions over 5% in one of their private credit funds, and other major players such as Apollo and KKR are seeing their stocks drop 30%+. UK mortgage lender MFS collapsed almost overnight and the ripples of that failure are just beginning. Lawsuits are flying all over the place involving JPMorgan, Barclays, Western Alliance, Jefferies, and more. The Basel Committee on Banking and Supervision warned banks about their high dependence on significant risk transfers (SRTs). All the while, banks continue to lend and sell their loans to Nondepository Financial Institutions (NDFIs) unabated.

    28 min

  5. 4D AGO

    BND: Strategy Room 3-7-2026

    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.

    2h 28m

  6. 5D AGO

    Review of Q2 The State of Commercial Banking 2026

    Q2 is a fintech company that has been around for over 20 years delivering innovative digital banking solutions. This episode looks at one of their market analysis reports titled “The State of Commercial Banking 2026.” The report has six key takeaways, which include 1) liquidity recovers enabling stronger NIM, 2) loan demand has rebounded, 3) competitive climate has intensified, 4) fraud risk is increasing, 5) bank deals are now technology plays, and 6) commercial banking continues to focus on business efficiency.  The report states, “M&A momentum is being fueled less by opportunistic growth and more by the need to modernize platforms, integrate fintech capabilities, and reach AI at operational scale.” Banks in 2026 need to focus on smarter pricing, sharper differentiation, faster decisions, and stronger trust.

    24 min

  7. 6D AGO

    Let's talk about Swipe Fees: A review of ICBA Interchange Guide for 2026

    How does a debit or credit card transaction work? What are Swipe Fees? ICBA just released a new Interchange Guide which explains this payment channel for small business customers. A debit or credit card transaction has six steps and includes four parties (cardholder, merchant, acquirer, and issuer). Swipe Fees are what the merchant pays the acquirer to accept the card. Swipe Fees have three parts: Interchange, network fee, and acquirer fee. Interchange is what the issuing bank collects. You can have debit and credit card interchange. Network fees are the portion that card networks such as Visa and Mastercard collect. Acquirer fees are the portion that acquirers such as Square, Strip, PayPal, and Clover keep.

    14 min

  8. MAR 4

    Review of FDIC report on bank lending to nondepository financial institutions (NDFIs)

    As the consternation on Wall Street around the Private Credit market continues, we examine bank lending to NDFIs. This has been banks largest and fastest-growing loan segment since 2010. The compound growth rate from 2010 to 2024 is 21.9%, almost three times as high as the next segment, which is multifamily CRE. NDFI lending has increased from $56B in 2010 to $1.32 trillion in 2025! NDFI lending as a percentage of Tier 1 capital rose from 4.1% in 2010 to 52.3% in 2025. The largest financial institutions have the highest concentration of NDFI loans. Starting in December of 2024, the Call Report filings were changed to require additional reporting on NDFI lending. These changes include the addition of five subcategories. Lending to NDFIs poses substantial risk to banks as the credit decisions, credit administration, and collateral valuations fall outside the direct control of Banks (Ex: Tricolor Holdings and First Brands). This episode reviews the FDIC report on bank lending to Nondepository Financial Institutions and an article from S&P Global (subscription required) titled “US banks’ NDFI lending pace reaccelerates in Q4 2025.” A link to the FDIC report is included below.   Link: Bank Lending to Nondepository Financial Institutions

    24 min
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4.8
out of 5
8 Ratings

About

BND is focused on the U.S. Banking industry and how the industry intersects with finance, technology, and economics. Topics discussed can include all types of banking products and lines of business along with strategy, marketing, management, and leadership.

Information

  • Creator
    Dr. Joseph Bergquist
  • Years Active
    2023 - 2026
  • Episodes
    400
  • Rating
    Clean
  • Copyright
    © Copyright 2022 All rights reserved.
  • Show Website
    The Banker Next Door

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