September 25, 2025 I attended an American Cancer Society CEO Council meeting last night, surrounded by dedicated individuals advancing the fight against the myriad diseases we collectively call cancer. Early detection topped the agenda, and we were each tasked with carrying that imperative back to our organizations—it's a critical frontier in saving lives. My own experience with cancer in my twenties underscores the harrowing challenges so many face and sharing it reminds me why this work matters deeply.

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September 11, 2025 Tuesday, September 11, 2001, began like any other late summer workday in New York City. I dropped my daughter off at her kindergarten on the Upper East Side and arrived a little late to my office at Bank of America Securities in midtown Manhattan around 8:30 AM. It was going to be a quiet morning as most of our management team was at our investor conference in San Francisco.

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August 25, 2025 Liquidity remains one of the most critical elements of a bank’s financial stability, directly affecting its ability to meet short-term obligations, sustain operations, and manage through unexpected shocks. The appropriate level of liquidity depends on a bank’s size, business model, risk tolerance, and regulatory classification, but the common thread across institutions is that regulators, investors, and counterparties all view liquidity as a primary measure of resilience.

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August 22, 2025 Stablecoins are real digital currency. While there are many types of digital assets ranging from highly volatile investments like Bitcoin to collectibles like NFTs and meme coins (e.g., the Trump coin), stablecoins are the most boring segment -- coins backed by real world holdings of the asset being tracked. US dollar stablecoins are backed by insured deposits, treasury bills or other short term money funds.

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July 22, 2025 Beginning in 2023, the banking sector has faced persistent headwinds in mergers and acquisitions (M&A), reminiscent of the 2008–2009 liquidity crisis—though with different underlying drivers, such as high interest rates and post-regional bank failure regulations. However, activity began to slowly rebound in 2024, and the first half of 2025 has shown continued momentum, fostering growing optimism for the rest of the year.

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July 17, 2025 The financial services industry—encompassing banks, credit unions, investment firms, insurance providers, and fintech companies—continues to face growing cyber risks in 2025. According to IBM’s Cost of a Data Breach Report, the financial services industry experienced thousands of breaches globally, with an average cost of $4.88 million per incident— significantly higher than the global average.

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July 23, 2025 - The financial services industry continues to face growing cyber risks in 2025. Read our newest article, Safeguarding the Financial Services Industry Against Top Cybersecurity Threats in 2025, co-written with Summit Financial Group to stay on top of these threats.
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July 11, 2025 - The founder of Endurance Advisory Partners, Stephen Curry, shares why 2025 feels like a tipping point for innovation and why banks must rethink everything.Read More

June 27, 2025 - In baseball, not every swing is a home run. But standing still at the plate guarantees nothing. Today, small and mid-size banks find themselves in a similar dilemma with Artificial Intelligence (AI): should they strike early and risk missing, or wait for the perfect pitch—and potentially get benched by faster, more aggressive players?
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May 16, 2025 - I delved into AI this year, eager to learn how it is being utilized in financial services. Through engaging discussions, insightful forums, and practical experiences, I have observed AI's profound impact on many aspects of our industry. This article captures what I have learned and explores the challenges that accompany its successful integration.Read More

March 14, 2025 - As Bowman is now expected to be the FRB Head of Supervision, her recent speeches provide insight into the significant regulatory changes under the Trump Administration.Read More

February 7, 2025 - This interview delves into the technological and political evolution of Silicon Valley and Marc Andreessen’s own shifting political affiliations from left to right, along with his vision for leveraging technology to drive societal progress, the role of innovation in addressing energy challenges, border security, and national defense. Read More

One major concern for bankers is the Federal Reserve’s interest-rate outlook, surpassing credit concerns and regulatory uncertainty. It would be wise to heed Chairman Jerome Powell’s advice and accept the reality of higher interest rates for an extended period, especially as stubborn inflation has persisted.

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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.

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Last year saw turmoil in the banking industry. The multiple bank failures of 2023 sparked regulatory intensity that will undoubtedly continue into 2024 and the federal agencies’ commitment to addressing key priorities before the fall election will fan the flames.

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On February 23rd, the Federal Deposit Insurance Corporation (FDIC) announced a consent order with Tennessee-based Lineage Bank regarding its third-party risk management program and financial technology (fintech) partners. This order underscores the regulatory attention on BaaS banks and fintech clients, signaling concerns about potential risks in the financial system.

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Endurance Advisory featured by ManageCFO magazine for their fractional CFO and CRO successes. Endurance provides businesses with the agility and flexibility to access tailored financial guidance precisely when it’s needed most, without the burden of maintaining a permanent, fixed-cost infrastructure.

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Banking regulators have finally released the long-awaited final rule reforming Community Reinvestment Act (CRA) regulations—a regulation that often receives mixed sentiments from bankers. Fortunately (or unfortunately), regulatory changes typically unfold incrementally. The new rules, therefore, build upon existing ones rather than taking a wholly new direction.

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The drama surrounding the Synapse Financial bankruptcy continued Friday (June 7) with an afternoon court hearing in California’s Central District Bankruptcy Court, although the case appeared no closer to a resolution. As a result, the hearing set the stage for what will be a complex series of events that will stress-test the very concept of banking-as-a-service and challenge the business models that have put millions of consumers’ assets at risk.

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Pumpelly brings 30 years of experience in capital markets to the table from his time at firms such as Cushman & Wakefield, Johnson Capital and HFF. His expertise on credit markets and access to debt and equity alternatives give Endurance clients a unique edge.

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Bankadelic’s “Bank to School” special episodes have ranked among our most popular over the years, and our five guests this time around raise the GPA to new heights. Join Professor Lou as he quizzes them about 2023’s teachable moments, the banking industry’s honor-roll-worthy innovations, their agendas for learning — and the best excuse each one had for not turning in their homework.

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William Mills Agency, the nation’s largest independent public relations and marketing firm specializing in financial technology, has been selected by Endurance Advisory Partners as its public relations agency of record.

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Endurance Advisory Partners announced that it named Roger Beverage to its advisory board. Roger will serve a pivotal role and advise Endurance as it expands the business with a focus on helping financial institutions in the areas of strategic initiatives, risk, technology and operational insights to thrive in the competitive market of banking.

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A downturn in deals throughout 2020 meant that many banks paused efforts for growth, a position that can only be sustained for so long. Now, the challenges and changes wrought by the pandemic have a flip side: new opportunities for growth...“Consolidation is definitely in the winds,” said Stephen Curry, CEO of the bank consulting firm Endurance Advisory Partners.

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To IPO or not to IPO is a decision requiring careful consideration. The IPO market remains vibrant in 2025, with the fintech sector drawing significant interest and even a few community banks getting attention. However, the decision to go public involves much more than just market timing. This year, we have seen significant IPO activity from fintech companies like Chime (which raised $864 million and valued the company at $11.6 billion) and Circle ($34.5 billion market cap).

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This advisory to insured state non-member banks and savings associations (FDIC-supervised institutions) reemphasizes the importance of strong capital, appropriate credit loss allowance levels, and robust credit risk-management practices when managing commercial real estate (CRE) concentrations. This advisory replaces an advisory issued in 20081 that emphasized these same points during a time when CRE market conditions had weakened, most notably in the construction and development (C&D) sector.

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We are experiencing a level of regulatory intensity rarely seen— not the simple effect of “net-new” regulations but the combination of a high-volume of regulatory issuances, the complexity and breadth of regulatory supervision, and the impact that these changes impose across the organization.

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One year ago, today the country shut down and I left my office for what I thought may be a few weeks. A few has turned into 52 and a new pandemic has changed the commercial office market in ways we never imagined a year ago.

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Many non-banks consider acquiring a bank (or establishing a de novo bank) to serve their customers and capture benefits afforded to a bank.

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Before embarking on this strategy, it is critical to determine the order of magnitude of the benefits as well as the costs of operating in the tightly controlled bank environment.

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