Brandon Koeser

My view on the latest FDIC proposal: The FDIC is taking aim at bank boards and how they should govern. Some of these changes will have a big impact to banks looking at life above $10 billion. rsm.buzz/475HjkS

I lasted 20 minutes everyone, please clap.

I may have used a picture from a blizzard in place of this picturesque snowscape to drive the point home.

Despite the Fed taking the risk of recession off the table in the near-term, the full effect of the recent rate campaign has yet to fully hit the real economy. Appreciative of the opportunity to join Jack Milligan on #TheSlant podcast to talk continued risk in the macroeconomy.

@khaslett With those stats, looks like you’re preparing a feast.

Got something cooking!

If only the overview document related to the amendments to the regulatory capital rule was enough. *Pours cup of coffee* Time to crack open the 1,000+ pages of the Basel III endgame proposal.

“The environment is going to get tougher [for banks], but the biggest thing is stricter enforcement of existing regulation." – @RSMUSLLP's Brandon Koeser. bankdirector.com/issues/risk-is… @khaslett #riskmanagement #BDAudit23

Banks still benefit from performing a #risk assessment when entering a #fintechpartnership even if the company doesn't have a long operational history. bankdirector.com/issues/risk-is… @khaslett #BDAudit23

A few thoughts after reflecting on Fed Gov Waller's commentary: 1) The instability we saw in banking earlier this year is not reflective of the whole industry 2) Pay closer attention to core readings on inflation, not just the headline numbers 3) Hawks will be hawks

In a mobile banking world, UX doesn't have to suffer as a result of added security measures. Appreciate the chance to share some insights for this piece exploring the balance between fast and friction.

@JNelly43 That's why Conference USA is ahead of its time.

“National bank with a regional footprint”…but literally has the word “western” in its name! College athletic conferences and banking have one thing in common…if you have the word “west” or “pacific” in your name…you’ll be viewed as a regional brand!

@BrandonKoeser The various 46%s aren't even in line with each other in the latter half of the chart?

Why are the percentages distributed like this? 48% looks like 100%, not halfway up, and 42% looks like 5%!

It was a real honor to kick off #BDAudit23. Macro headwinds, regulatory pressures and technology advancements make these events key for bank leaders to decipher what is the signal over the noise banking. Shoutout to @BankDirector for putting on another great conference.

Informative commentary in the FOMC statement. I wonder if Chair Powell pauses just once - briefly for effect - during the prepared remarks portion of his presser to support the current and future actions of the Fed.

@khaslett @ehmccormick Always one of the best parts of #bdaudit23

Master playlist creator and bank research extraordinaire @ehmccormick is holding court at #bdaudit23

@BrandonKoeser I only need one toaster, Brandon.

Chase is offering me $225 if I open a savings account and deposit $15,000 in it and maintain that balance for 90 days. I just want everyone to know that if I had a savings account rocking $15K, I probably would not be interested in a $225 offer.

@khaslett Not that long ago, there would have been some sort of material good in that offer. Chase branded lunch box or tote anyone? I can see your mind thinking about it for a tote and $225...

I feel pretty proud of my financial position as a 34yo single woman, but I am not "$15K in a savings account looking to sweep up cash offers for savings" proud.

It's not if. It's when. While I've been pointing to the changes in regulatory regimes as a precursor for this shift, recent events will push this effort into overdrive. Even though congressional action may be unlikely, don't underestimate agency powers to adjust regulation.

Fed Senior Loan Officer Opinion Survey: Lending standards are tightening; loan demand is falling. Not surprising when looking at CRE loans. My colleagues and I recently wrote about the CRE outlook in banking. Good data. Great read. rsm.buzz/42A07WN