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Byron

Byron Earnheart is the Programming Director for the Barret School of Banking in Memphis, TN and the host of the “Main Street Banking” podcast…the only podcast solely devoted to community banks. He has over 15 years experience in the financial services industry; 11 of which have been in banking in various roles from teller work to branch management. He spends his time playing guitar and singing in Delta Heart (the “house band of the Mississippi Delta”), writing music, cooking, reading, and enduring the University of Tennessee Volunteers athletic seasons. He is married to his wife Kelly of 11 years and has two children, John Aubrey (11) and Mary Laura (7). If you'd like to hear Byron's music, check him out on Spotify:

Might as well face it, you’re addicted to…non-interest income!

Did you know…? In doing some research around community banks, NSF fees, and the probable regulations that are coming down from Washington around those, I realized that banks’ performance is heavily addicted to Non-Interest Income.  Big time.  Over the past 5 years, regardless of bank size (and really as far back as the FDIC database …

Might as well face it, you’re addicted to…non-interest income! Read More »

3Q 2019 Update on different industries you may be banking…

As you may/may not know, we offer quarterly online Roundtables covering topics in Digital Marketing, Compliance, and Senior Lending.  This week, we had our Senior Lender Roundtable facilitated by Richard Hamm and he had some great information on the industries that many community banks serve.  I thought it would make a good free webinar for …

3Q 2019 Update on different industries you may be banking… Read More »

“Peeking Under the Hood:” Loan Products and Underwriting. Part 4 of 4

Today, we are wrapping up our series analyzing the FDIC’s Small Business Lending Survey from the community bank perspective. I must say that I have enjoyed this but it has taken me (and hopefully you as well) into directions that were not planned. I can’t say that I walked into this analysis with any expectations, …

“Peeking Under the Hood:” Loan Products and Underwriting. Part 4 of 4 Read More »

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