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Community Banking Blog

From the “Examiner from Hell” to “The director time forgot,” attorney-consultant Jeff Gerrish knows community bankers’ challenges, and provides practical advice and awareness.

Using a bank holding company structure can help your community bank in several ways, and now more banks can utilize the "small bank holding company" variation.
Community Banking Blog

Forming small BHCs just got better

Written by Jeff Gerrish | 06/01/2018 - 22:10 |
Comments:   DISQUS_COMMENTS
New bank law makes longstanding advantages available to larger players
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Family-owned banks come with all kinds of issues. Jeff Gerrish says acknowledging the realities of family ownership proves essential now and when control comes to the next generation.
Community Banking Blog

5 family bank myths that must be shattered

Written by Jeff Gerrish | 05/23/2018 - 22:41 |
Comments:   DISQUS_COMMENTS
 ...without leaving the next generation with a scrambled nest egg
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The return of something more like "normal" for new-bank chartering has expert Jeff Gerrish tuned to a new rythym.
Community Banking Blog

De novos: They’re playing my song

Written by Jeff Gerrish | 05/16/2018 - 13:25 |
Comments:   DISQUS_COMMENTS
Community bank believer thinks more new charters are coming
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Contingency liquidity plans work well right up until the point where the stop working, warns Jeff Gerrish. A "black swan"—an unforeseen event—may trigger a calamity.
Community Banking Blog

Rolling snowballs, black swans, and bank liquidity

Written by Jeff Gerrish | 04/24/2018 - 19:28 |
Comments:   DISQUS_COMMENTS
Community banks’ ALCO game’s flipping—don’t misstep
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What ingredients should your board be baking in? Jeff Gerrish explores tapping debt versus equity and the issue of shareholder dilution.
Community Banking Blog

Is your capital pie large enough?

Written by Steve Cocheo | 04/11/2018 - 21:17 |
Comments:   DISQUS_COMMENTS
Capital allocation’s role in enhancing shareholder value begins with quantity
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The chairman's gavel should be a living symbol of leadership, says expert Jeff Gerrish, and not just a rubber stamp with a fancy handle.
Community Banking Blog

The job behind the gavel

Written by Jeff Gerrish | 04/05/2018 - 01:33 |
Comments:   DISQUS_COMMENTS
What community banks should expect of their chairmen
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Confused about S corps versus C corps? Jeff Gerrish offers a straightforward answer.
Community Banking Blog

Queries persist on Sub S for banks

Written by Jeff Gerrish | 03/07/2018 - 20:04 |
Comments:   DISQUS_COMMENTS
Here’s the best answer based on new tax law
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Sometimes major growth means upgrading from old approaches and older concepts. Jeff Gerrish recently helped a community bank planning a major growth initiative to weigh what would have to change.
Community Banking Blog

Updating the abacus

Written by Jeff Gerrish | 02/27/2018 - 14:14 |
Comments:   DISQUS_COMMENTS
Making a major strategic move demands board-level planning and consultation
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Banking expert Jeff Gerrish thinks it's best when community bank board members put some personal funds into bank ownership.
Community Banking Blog

Should board members have “skin in the game”?

Written by Jeff Gerrish | 02/01/2018 - 22:50 |
Comments:   DISQUS_COMMENTS
Aligning shareholders' interests with directors’ interest
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"Exit stage left" can sometimes be the best lasting contribution a troublesome director can make to the bank. Jeff Gerrish discusses key points to ponder before urging such board members toward the door.
Community Banking Blog

Big broom in the boardroom

Written by Jeff Gerrish | 01/26/2018 - 14:29 |
Comments:   DISQUS_COMMENTS
Sweeping out the “meh,” the obnoxious, and the useless from your board
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