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How Esquire Bank carved out a profitable niche serving law firms

ABA Banking Journal Podcast

Release Date: 01/05/2024

M&A outlook with Paul Davis show art M&A outlook with Paul Davis

ABA Banking Journal Podcast

At the midpoint of the year, what’s the M&A outlook like for community banks? On the latest episode of the ABA Banking Journal Podcast, ABA Banking Journal Contributing Editor Paul Davis discusses what he’s seeing with mergers and acquisitions and what to expect for the remainder of 2024. Davis, the founder of  newsletter, also discusses what he’s hearing from banks about succession planning and talent and talks about budget forecasting, an area the  for 2025.

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Understanding how monetary policy shapes SOFR show art Understanding how monetary policy shapes SOFR

ABA Banking Journal Podcast

On this episode of the ABA Banking Journal Podcast, ABA economist Jeff Huther discusses recent dynamics with the Secured Overnight Financing Rate, the “world’s most important number.” Huther delves into topics in his his , exploring how quantitative tightening has pushed SOFR toward the upper end of the Federal Open Market Committee’s rate target range, the effects of monetary policy mechanisms like the Overnight Reverse Repo Facility, and how banks and other SOFR users can manage volatility that may emerge in the rate.

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Banking and the American founding era show art Banking and the American founding era

ABA Banking Journal Podcast

To mark Independence Day this week, this classic replay episode of the ABA Banking Journal explores the role of banking and finance in the American Revolution and the founding era. John Steele Gordon is an acclaimed economic historian whose books include Hamilton’s Blessing, The Great Game and An Empire of Wealth; he is also the ABA Banking Journal’s “” columnist. In this episode, Gordon discusses: How not having any chartered banks prior to 1782 put the United States at a disadvantage during the Revolution. Conversely, how the Bank of England was a “secret...

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What the C-suite needs to know about redlining enforcement show art What the C-suite needs to know about redlining enforcement

ABA Banking Journal Podcast

“We’re seeing banks that have never been scrutinized before for redlining and being told that they have risk that they have not before and risk in ways that they’ve never really viewed it before,” says Andrea Mitchell. “We’re in some new territory, and I think it’s important for CEOs to understand what their compliance officers and legal departments are seeing on the ground.” In the latest episode of the ABA Banking Journal Podcast — sponsored by  — Andrea Mitchell, a top fair lending attorney, reviews the latest trends in redlining enforcement. She reviews cases...

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A bank CEO’s front-seat view of risk, survival and recovery show art A bank CEO’s front-seat view of risk, survival and recovery

ABA Banking Journal Podcast

Brent Beardall thinks bankers need to be more comfortable with risk. “We’re not out there taking crazy risk, but my point is don’t be afraid to fail,” says the president and CEO of WaFd Bank, based in tech-focused Seattle. “If you’re going to fail: fail quickly, fail small. That’s the two requirements I have, because if you’re not failing, you’re not trying hard enough.” In the latest episode of the ABA Banking Journal Podcast — sponsored by  — Beardall discusses technology experiments that didn’t work, and those that did. He discusses the bank’s tech lab...

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Building successful careers in bank risk and compliance (part 2) show art Building successful careers in bank risk and compliance (part 2)

ABA Banking Journal Podcast

“I need people who understand technology and the business more than I need people who understand compliance,” says Greg Imm, who recently retired as chief compliance officer at M&T Bank. “I can teach them compliance. I cannot teach them technology. We are paying much more attention on what is going on in technology that never existed five, six years ago.” The latest episode of the ABA Banking Journal Podcast — sponsored by  — features part two of a two-part conversation with Imm and David Kelly, retiring chief risk officer at Denver-based FirstBank. At  in...

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Building successful careers in bank risk and compliance (part 1) show art Building successful careers in bank risk and compliance (part 1)

ABA Banking Journal Podcast

In a time of heightened regulatory risk and business challenges, “that’s where the risk professionals become very important,” says David Kelly, CERP, who recently retired as chief risk officer at Denver-based FirstBank. “Those relationships across business lines, because the risk will flow across those business lines, and getting stakeholders together to have those conversations.” The latest episode of the ABA Banking Journal Podcast — sponsored by  — features part one of a two-part conversation with Kelly and Greg Imm, the retired chief compliance officer at M&T...

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Pathward’s road to innovation in financial inclusion show art Pathward’s road to innovation in financial inclusion

ABA Banking Journal Podcast

On the latest episode of the ABA Banking Journal Podcast — sponsored by  — Anthony Sharett, president of Pathward N.A., discusses how his FDIC-insured bank works alongside depository institutions to expand offerings that enhance financial inclusion and reach the unbanked. Sharett discusses Pathward’s reloadable co-branded prepaid card business — which can help a bank offer a  — as well as its gift card business line. Sharett discusses how Pathward uses a design thinking approach to work with its bank clients to “co-create” products. “There are lots of banks...

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Maximizing business, client value from SBA loan programs show art Maximizing business, client value from SBA loan programs

ABA Banking Journal Podcast

What’s new with Small Business Administration lending this year, and how can bankers maximize the value of the SBA loan guaranty programs? On the latest episode of the ABA Banking Journal Podcast — sponsored by  — Erik Daniels of U.S. Bank, the nation’s fourth-largest SBA originator by number of loans, talks about how U.S. Bank builds SBA into its overall business banking strategy. Daniels highlights the role of SBA lending in making efficient use of capital, mitigating risk, providing more tailored solutions to businesses and driving Community Reinvestment Act impact. He...

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Is it time to kill the paper check? show art Is it time to kill the paper check?

ABA Banking Journal Podcast

Checks have become so marginal that the Federal Reserve’s Survey of Consumer Payment Choice relegates them to a category of “other,” which, along with prepaid cards and money orders accounted for less than 9 percent of all payments in 2022. But checks aren’t entirely dead, with 11.2 billion still written in the U.S. in 2021. Meanwhile, their use by criminals as a vector of fraud has shot up. Which raises the question: The paper check won’t die. Is it time to kill it? This episode of the ABA Banking Journal Podcast — sponsored by  — sets out to answer that question, with the...

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More Episodes

Esquire 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.