How Esquire Bank carved out a profitable niche serving law firms
Release Date: 01/05/2024
How community banks can keep farmers farming in turbulent times
ABA Banking Journal Podcast
Agriculture has never been for the faint of heart — but in an environment where global trade policy is changing rapidly, how can ag bankers help position their producers to weather the changes? The latest episode of the ABA Banking Journal Podcast — presented by — features features Nate Franzén, head of ag banking for First Dakota National Bank and the 2026 winner of ABA’s . On the podcast, Franzén discusses how ag bankers can support farmers and ranchers during turbulent times. He also how the bank is helping family farms stay viable. Its initiative combines ag lending with...
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The birth of American money and how it triggered a revolution
ABA Banking Journal Podcast
The latest episode of the ABA Banking Journal Podcast — presented by — features historian Andrew David Edwards, author of . Edwards discusses: How the American colonies developed monetary systems based on temporary “bills of credit” in the absence of hard-money currency. Why British leaders rejected this form of money and attempted to bring the colonies into their global imperial financial order. The role of monetary pressures in driving dissatisfaction with British rule and uniting the colonies. The challenges the Continental Congress faced in financing the American...
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Creating seamless customer experiences in banking
ABA Banking Journal Podcast
First Horizon Bank is a growing regional bank that spans the nation’s fastest-growing population centers, from Texas to Tennessee to Florida. How does that expanding retail franchise meet consumers’ digital needs? On this episode of the ABA Banking Journal Podcast — presented by — First Horizon’s head of consumer and small business banking Shaun McDougall discusses: How consumer expectations have changed — where they expect seamless digital experiences and where they still value human interaction and guidance. How AI tools are empowering bankers at First Horizon to engage...
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Telling a different kind of story about community banks
ABA Banking Journal Podcast
has spent 16 studying banking leadership and performance, first at The Motley Fool, then at Bank Director magazine and more recently on his own, creating videos and visuals to tell the story of community banks in new and creative ways (including with drones). On this episode of the ABA Banking Journal Podcast, Maxfield discusses: His own family origins in agriculture and banking What he’s learned from interviewing and shadowing community bank leaders and investors across the country What it takes to be a discipline to be a CEO in a business with little margin for error, especially when...
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Making the jump from a high performer to a high-performing leader
ABA Banking Journal Podcast
“Leadership is a skill you have to develop and maintain over time,” says Velera Wilson. On the latest episode of the ABA Banking Journal Podcast, leadership keynote speaker Wilson discusses key practices of leadership development for both current and future bank leaders. Among other topics, she covers: How emerging leaders can help themselves succeed in the transition from high-performing individual contributors to high-performing leaders. The delicate balance between coaching and hands-on management. Why poor-performing leaders can spread weak leadership throughout organizations. Tips...
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Remembering 9/11, a quarter century later
ABA Banking Journal Podcast
As the nation marks the 25th anniversary of the September 11 terrorist attacks on the United States, the ABA Banking Journal Podcast — returning for its ninth season — brings you conversations with two financial industry professionals to help illuminate the impact 9/11 had on bankers, the financial system and the whole nation. ABA President and CEO Rob Nichols was a senior Treasury Department official on 9/11, and he recounts being sent to a secure bunker in the White House complex with Vice President Dick Cheney and other top officials. At Treasury, Nichols had a front-row seat to how the...
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Banking the brave new world of college athletics
ABA Banking Journal Podcast
The ability to pay college athletes has led to dramatic upheaval in banking college sports. Revenue-sharing with athletes has required big increases in spending that colleges may not have been counting on, just to be competitive. Meanwhile, the revenue shares and is putting big money in the hands of athletes who need extra support to handle it. On the latest episode of the ABA Banking Journal Podcast — sponsored by — Charles Frazier, head of the entertainment and sports banking unit at City National Bank, talks about how his team supports both colleges and athletes amid these changes. He...
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Tactics for meaningful strategic planning
ABA Banking Journal Podcast
Virtually all banks engage in strategic planning, but how do they ensure the strategic plan actually drives performance and doesn’t just get left in a binder on the shelf? On the latest episode of the ABA Banking Journal Podcast — sponsored by — Exchange Bank’s Kevin Bender discusses tactics for making strategic planning a process that engages employees and board members in the future of the bank, drives prioritization of scarce resources and identifies each bank’s biggest opportunities. Bender will join Joseph Cady to discuss six components for every bank’s strategic plan at...
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Why it might be time to revisit a key FDIC ratio
ABA Banking Journal Podcast
What kind of difference can a single ratio make? In a new , ABA’s Patrick Mitchell and Brittany Kleinpaste discuss the FDIC’s 2% Designated Reserve Ratio target for the Deposit Insurance Fund. This target — established by statute but set at the FDIC’s discretion — is a level higher than the DIF’s Minimum Reserve Ratio of 1.35%, and it has been 2% since it was first established in 2010. On the latest episode of the ABA Banking Journal Podcast — sponsored by — Mitchell and Kleinpaste discuss the simulations that were used to set the ratio 16 years ago and why it might be time...
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Understanding the 2025 Home Mortgage Disclosure Act data
ABA Banking Journal Podcast
On the latest episode of the ABA Banking Journal Podcast — sponsored by — ABA economist Dan Brown discusses the recent release of Home Mortgage Disclosure Act (HMDA) data for 2025. He examines several trends, including the varying composition of bank mortgage loans in different regions, where banks face the stiffest nonbank competition in the mortgage market, a recent rebound in refinancings and a growing generation gap in homebuying activity.
info_outlineEsquire Bank has found a strategy that turns the typical ratio of business client loans to deposits on its head. Through its nationwide vertical of services for law firms, Esquire Bank brings in roughly $1.80 in core deposits for every dollar lent. On the first ABA Banking Journal Podcast episode of 2024, Andrew Sagliocca — president, CEO and vice chairman of Long Island-based Esquire Bank — discusses the bank’s unique niche in serving the litigation sector, including the complex financing its clients require, and how the bank developed its strategy to meet these firms’ needs. Sagliocca also discusses the bank’s merchant services solutions and how they fit into the bank’s strategy.