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News & Resources

Five Strategies to Reconfigure Branches, Free Up Capital, and Fund Growth

This article by Brookline Branch Services associate Gianna Whitver and Peak Performance consultant Guenther Hartfeil was originally published in BAI Banking Strategies on December 1, 2016. In an age of new channel investment, banks must restructure physical...
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How the New Accounting Rules Affect Your Bank Branch Real Estate (BRE)

By now you’ve probably heard about the FASB lease accounting changes. People are upset. Retailers and lessees across the country will soon need to recognize leases on their balance sheets as liabilities, removing the beloved...
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4 Reasons to Sell your Branches Now (Before They're Worthless)

CoStar recently reported on Citigroup’s prediction that one-third of US bank branches will be closed in 10 years. Citigroup blames FinTech for this, and suggests that automation will be one of the main factors involved. Antony Jenkins,...
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Are You a Bank or an ALDI?

 Our last post described how bank failure rates are performing so far in 2015-2016. In this post, we go into more detail about the 8 US banks that have failed since January 1st, 2015. The smallest of...
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90% of banks have unsustainable efficiency ratios

As banks contend with worsening efficiency ratios, fintech competition, and ever-increasing regulatory burdens, 2016 is looking to be a tough year for banks, especially community and smaller banks. A somewhat positive – or less negative, I...
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Mobile is no longer an option (and banks aren't just competing with banks)

Mobile is no longer optional for banks, a recent article by SNL article reports. Customers have become conditioned to mobile and omni-channel experiences from other industries and expect the same seamless, frictionless mobile and online experiences from their banks. In this...
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Bank like a Retailer: the Wegmans Model of Expansion

Bank like a Retailer: the Wegmans Model of Expansion Wegmans, 2012. Photo courtesy of Ray Sawhill. Wegmans is a regional Northeast grocery retailer best known for its larger-than-average stores, its happy employees, and its leagues of brand...
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Bank branch closures hit 2-decade high

(Requires SNL Subscription): “… 94,715 U.S. branches at June 30, down from 96,329 a year earlier. During the same period, deposits grew from about $9.4 trillion to more than $10 trillion.” ...
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Bank of America's Data Mapping Adds $1 Per Share

“By being smart about its network of branches and ATMs, Bank of America BAC has reduced its annual expenses by $800 million while losing very few customers.” ...
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Reexamining the Branch of the Future

Before we can consider the future branch, we must ask ourselves: what is the purpose of a branch now? How will this purpose translate through new branch structures, and how will it transform over time...
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Banks Widen Search for Ways to Downsize Real Estate

(Requires American Banker Subscription): “It is smart for CertusBank and other institutions to try to take extra space that they are not using and sublease it, said Bill Yeomans, president of Brookline Branch Services in...
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Fast-Rising Costs Emerge as Latest Worry for Banks

(Requires American Banker Subscription): “Higher-than-expected expenses in the fourth quarter could be a signal that banks’ cost-cutting initiatives are losing steam.” ...
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Biggest banks grow more deposits, cut more branches than US aggregate

(Requires SNL Subscription) “The nation’s 50 largest commercial banks increased deposits at a greater rate than all U.S. banks in aggregate, but the largest banks also saw a greater reduction in their number of branches.” ...
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Why Scale Is Overrated in Banking, in Two Charts

“Are there economies of scale in banking? To put it simply, no, at least from an expense standpoint.” ...
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Tellers Become Guides and Storytellers in High-Tech Branches

“If banks can agree on one branch-design principle, it’s that the branch of the future will not have teller windows. Instead, they will be equipped with self-service machines that can handle transactions like cash a...
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A Branch Doesn't Just Sell Products — It Is a Product

“Someone recently shared with me a rather detailed written recap of a meeting at a midsize community bank. And while I have never worked with that organization, the scene described seemed all too familiar. Based off...
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Three Hard Facts Retail Bankers Need to Face

“Retail banking these days brings to mind the adage about academic politics, where ‘the competition is so vicious because the stakes are so small.'” ...
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Subleasing Branches: Tricky, But It Beats a Fire Sale

Many community banks still do business in facilities that were built in a different generation and have become obsolete, says Bill Yeomans, president of Brookline Branch Services in Syracuse, N.Y. “Some of these branches were built...
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It's Long Past Time to Kill the Bank Branch

(Requires American Banker Subscription) “For years, bankers have bemoaned the looming death of the traditional bank branch. Now it looks like it’s actually starting to happen. Finally.” ...
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How Bank Branch Sales Polarize the Buyers

“Buying a bank branch isn’t as attractive as it used to be. Especially for smaller buyers.” ...
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Florida Losing Bank Branches at a Fast Clip

“Florida is one of the leading states for closures of bank branches, according to a study by SNL Financial. The state had a net loss of 79 branches during the 12 months ended Sept. 30, with...
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A Beautiful Branch Only Depreciates in Value

“The Georgia landscape is adorned with beautiful bank buildings. Many are embellished with majestic white columns that convey a sense of prosperous permanence. All of them were expensive to build. Bill Short, our CEO at...
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