{"podcast":{"title":"The Banker Next Door","slug":"the-banker-next-door-6597036","podcast_index_feed_id":6597036,"rss_url":"https://feed.podbean.com/joeberq/feed.xml","website_url":"https://joeberq.podbean.com","image_url":"https://pbcdn1.podbean.com/imglogo/image-logo/14138475/LOGO-2C-Vertical-1800x1800_4cmi58.jpg","author":"Dr. Joseph Bergquist","episode_count":400,"summary":"BND is focused on the U.S. Banking industry and how the industry intersects with finance, technology, and economics. Topics discussed can include all types of banking products and lines of business along with strategy, marketing, management, and leadership.","last_synced_at":"2026-07-29T06:17:38.092525+00:00","page_url":"https://stenobird.com/podcast/the-banker-next-door-6597036"},"episode":{"title":"Community Bank Earnings for 2Q 2026: NIM compression, loan growth, and expensive deposits","slug":"community-bank-earnings-for-2q-2026-nim-compression-loan-growth-and-expensive-deposits","published_at":"2026-07-28T16:00:00+00:00","page_url":"https://stenobird.com/podcast/the-banker-next-door-6597036/community-bank-earnings-for-2q-2026-nim-compression-loan-growth-and-expensive-deposits","show_page_url":"https://stenobird.com/podcast/the-banker-next-door-6597036","url":"https://joeberq.podbean.com/e/community-bank-earnings-for-2q-2026-nim-compression-loan-growth-and-expensive-deposits/","audio_url":"https://mcdn.podbean.com/mf/web/3y2utetzexw4mja8/Community_Bank_Earnings_for_the_2Q_2026_NIM_compression_loan_growth_and_expensive_depositsb9xkx.mp3","summary":"For the 2nd quarter of 2026, Community Banks saw some slight Net Interest Margin (NIM) compression, loan growth increased especially around C&I lending, underwriting tightened for C&I loans while CRE loans remained steady, and the deposit base remained sticky, but funding costs remain higher. There is a question now around the Federal Reserve and whether they will increase interest rates in the second half of 2026. This episode reviewed a blog post from PCBB titled “H2 2026 Outlook: Mixed Signals for Community Bank Earnings.” A link to the blog post has been included below. Link: H2 2026 Outlook: Mixed Signals for Community Bank Earnings","meta_description":"For the 2nd quarter of 2026, Community Banks saw some slight Net Interest Margin (NIM) compression, loan growth increased especially around C&I lendin…","key_points":[],"chapters":[],"topics":[],"duration_seconds":758,"processing_state":"not_requested","actions":[{"name":"request_transcript","method":"POST","url":"https://stenobird.com/v1/public/podcasts/the-banker-next-door-6597036/episodes/community-bank-earnings-for-2q-2026-nim-compression-loan-growth-and-expensive-deposits/transcription-requests","description":"Idempotently request low-priority transcript generation for this episode."},{"name":"read_markdown","method":"GET","url":"https://stenobird.com/podcast/the-banker-next-door-6597036/community-bank-earnings-for-2q-2026-nim-compression-loan-growth-and-expensive-deposits.md","description":"Read the agent-friendly Markdown representation of this episode resource."}]}}