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Insights

Insights, organized by the work.

Articles, white papers, media appearances, and firm news from the practitioners who do the work.

Featured
Digital & AI

My AI Journey

A banking executive's year inside the AI shift: agentic systems, the primacy of clean data, the art of the prompt, and an honest account of what still goes wrong.

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Strategy & Liquidity
White Paper

A Spartan Race Is Scheduled For Some Office Owners

A year into the pandemic, employers have thrown out the old real estate playbook. What a permanent shift toward remote work means for owners of city-center high-rise office buildings.

Digital & AI
White Paper

Blockchain in Banking: A Beginner's Guide

The OCC approved custody in July 2020 and payments use in early 2021. Five banking applications beyond digital currency: identity, payments, loan files, ownership ledgers, and near money.

Risk & Compliance
White Paper

Managing Commercial Real Estate Concentrations in a Challenging Economic Environment

The FDIC advisory on commercial real estate concentrations, replacing the 2008 guidance. Capital, allowance levels, and credit risk-management practices, plus the liquidity risks that compound them.

Regulatory & Remediation
Article

Important Considerations for Banks with High CRE Exposure

Considerations for banks with high commercial real estate exposure, from Stephen Curry and Jason Pumpelly.

General
Newsletter

This Month at Endurance #42

Firm newsletter covering a Trump-era proposal to shrink or eliminate federal bank regulators, plus related banking notes.

M&A & Corporate Finance
Article

What Is Driving Bank M&A

Deal volume recovered from the 2023 trough to 130 deals in 2024 and a 140 to 160 pace in 2025. What is driving it: mark-to-market pressure, geographic scale, technology investment, and CEO succession.

General
Article

9/11, A Personal Perspective

From the 48th floor of 9 West 57th, four miles north. An account of the day, the roll call that ran past midnight, and the colleagues who did not make it home.

Strategy & Liquidity
Article

How Much Liquidity Is Enough?

Liquidity is a critical component of a bank's financial stability, impacting its ability to meet short-term financial obligations and weather unforeseen economic challenges. The ideal level of liquidity for a bank is influenced by a multitude of factors, including its size, business model, risk tolerance, and regulatory obligations. This article explores the dynamic world of bank liquidity and the key ratios that regulators and financial institutions closely monitor to ensure sound financial management.

Risk & Compliance
In the Media

Another Year of Regulatory Intensity

A look at the regulatory intensity facing banks in 2024, by Stephen Curry.

Strategy & Liquidity
White Paper

High Return Opportunities

How banks can pursue higher yield without taking on more risk, and the situations where that trade-off is real.

Risk & Compliance
In the Media

Flowers: What is the ‘new normal’ for small businesses?

As business confidence rises, how small business has changed across five areas: employees, suppliers and partners, customers, community, and technology.

Digital & AI
In the Media

Business Viewpoint: Improving efficiency, implementing new technology, can generate big business improvements

Stephen Curry discusses the acceleration of digitization, and how the pandemic has forever changed how customers interact with businesses. Delaying adoption of digital will only limit your ability to compete and shorten the future of your business.

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