Why Is It So Important to Hold On to Low-Cost Deposits

When everyone is competing for a scarce item, it becomes difficult unless you improve at it.   This is exactly what we need to do with low-cost deposits. Let’s face it, there is no end in sight to the competition for low-cost deposits. Even when your bank is flush...

Learned Helplessness

When I was working on my graduate studies in organizational development, I learned about the concept of learned helplessness.   What I’ve discovered is that it’s a significant issue. It’s often the reason why organizations don’t become Top Five...