How Humans Win! An Article by Bobby Edwards. If you only read one of my Bird on Banks this year, read this one.

Posted inOperations
Brian Edwards has been a cherished colleague and friend of ours for several decades. His son, Bobby, is clearly a chip off the old block. When Brian proudly shared with me Bobby’s reflections on the impact of AI on our life and work, I immediately asked for his permission to republish it. Our industry and its leaders are struggling mightily with the role AI could and should play in our businesses. Bobby’s article sheds a…

2026 results are in. What’s ahead?

Posted inNewsletters, Strategy
The pace and magnitude of change emanating from on by the increased deployment of new, largely tech-driven tools and regulatory easing lead to optimism among bank CEO's these days. Banks are freer to focus on business opportunities more than they have been for some time. While the environment is far riskier than in past years due to highly volatile and unpredictable economic swings and policy making, the fundamentals of the US economy and the efficiency…

Operating principles for success in Commercial Real Estate lending 

Posted inCommercial Banking
One of the single most successful CRE lenders I’ve ever met is Roger Disalvatore. Roger is an excellent human being, a wonderful father and the best CRE lender I know. His approach to all real-estate based lending, including national projects, is firmly anchored in first-hand knowledge and relationship building. Here are some of the main principles I learned from Roger; they all focus on one thing: building lasting relationships. Take a sincere interest in your…