The voice of Houston’s banking community
Unpopular opinions, bold predictions, and debates about where Houston banking is headed. Disagree freely.
Unpopular opinion but I’ll say it. The relationship banking advantage that kept community banks alive for 30 years is gone. Tech, capital, and talent all favor the big shops now. Fight me.
Look at the office vacancy numbers. Now look at what banks are still booking. The marks don’t match reality and everyone in the room knows it. This ends badly for at least 3-4 shops before 2027.
Another “closed on a $42M construction loan, grateful for my team” post. We get it. Can we have an honest conversation about how performative the banking LinkedIn game has gotten?
I’ve lost three clients this year to banks I’ve never heard of because they came in 25bps lower. Ten years ago that didn’t happen. The relationship era is over and nobody wants to say it out loud.
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