Costly, yes. But there's costs and then there's costs

The Headache: It's more demanding than ever on bankers. Smaller staffs, increasing regulation, a tougher business environment. It's harder to keep one's chin up and a smile on one's face.

Our Question: What new steps has your bank tried lately to perk up the workforce?

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The story behind the quote that never was

Are you missing new ideas right in front of your nose?

The Headache: The demands of the banker's day just keep growing. Life is busy on all fronts and you have to take care of your customers, be they the public or, for those on support staff, your fellow bankers. It can be tough to keep your chin up, your shoulder to wheel, and all that. It helps to have reminders of good advice, good attitude, good ideas.

Our Question: What advice, quotations, slogans, or other helpful messages do you keep on your desk, on your bulletin board, or under your glass desktop?

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TransUnion study may ID potential borrowers for banks

The Headache: Regulators made it clear that stress testing as required for banks over $10 billion under Dodd-Frank is not required for community banks. But community banks face many financial challenges today--rate risk, loan risk, and even liquidity risk, over the horizon. Vendors, including one endorsed by ABA, offer stress testing to community banks. 

Our Question: Has your bank tried stress testing on its own? Is it worth the time and expense? 

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The Headache: There's a huge amount of noise, evolution, change--call it what you will--going on out there in financial services. One community banker recently said he was sure there were competitive factors he wasn't even aware of, the way things are changing.

Our Question: How can a community bank ensure that it remains relevant to its customers and its community?

Come see what other bankers think, and add your own views