# Competing With Giants: How Community Banks Win

Page: https://stenobird.com/podcast/banking-transformed-with-jim-marous-343931/competing-with-giants-how-community-banks-win
Text version: https://stenobird.com/podcast/banking-transformed-with-jim-marous-343931/competing-with-giants-how-community-banks-win.md
Podcast: [Banking Transformed with Jim Marous](https://stenobird.com/podcast/banking-transformed-with-jim-marous-343931)
Published: 2026-05-05T09:00:00+00:00
Episode link: https://thefinancialbrand.com/banking-podcasts
Audio file: https://www.podtrac.com/pts/redirect.mp3/chrt.fm/track/A27C8C/tracking.swap.fm/track/2IMk17EdnEqyRhJTIpIU/traffic.megaphone.fm/FPMN8839658604.mp3?updated=1777929880
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JSON: https://stenobird.com/v1/public/podcasts/banking-transformed-with-jim-marous-343931/episodes/competing-with-giants-how-community-banks-win
Duration seconds: 2694

## Resource

Ryan Bailey spent 20 years at Bank of America, JPMorgan Chase, TD Bank, Fifth Third, and USAA. Then he took over Cambridge Savings Bank, a 190-year-old, $7 billion mutual community bank in Massachusetts. In this Executive Leadership Series episode of Banking Transformed, recorded live at the Financial Brand Forum, Jim Marous and Ryan get into how community banks actually win against the giants. They cover the strategy behind Ivy Bank, Cambridge Savings’ national digital deposit brand, and why Ryan believes half of the smaller banks in the country won’t be here in 10 years. They also dig into closing the analytics gap with a JPMorgan Chase, using AI to improve customer experience instead of just cutting cost, bringing legacy employees along on a fast digital agenda, and what USAA taught Ryan about loyalty. Ryan closes with one Monday morning move every community bank CEO can act on right away. In this episode: • Why scale no longer guarantees dominance • Gathering deposits nationally, lending locally with Ivy Bank • Ryan’s prediction on community bank consolidation • Closing the data gap without an enterprise budget • The Monday morning move every CEO should make #BankingTransformed #CommunityBanking #DigitalTransformation #Fintech #BankingPodcast #FinancialBrandForum #IvyBank #CambridgeSavingsBank

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