Dallas Wells

Dallas is a writer, speaker and former consultant who has held executive roles at two banks with experience in capital planning, liquidity forecasting, investments, budgeting, financial reporting and mergers and acquisitions.

  • Why Is Primacy so Popular at Commercial Banks?

    Why Is Primacy so Popular at Commercial Banks?

    Why are so many bankers talking about "Primacy" these days? Dallas Wells explains the reasons behind this commercial banking trend.

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  • Profitability Profiles: The Story of Bad Apple Bank

    Profitability Profiles: The Story of Bad Apple Bank

    The finale of our series on relationship profitability at selected banks looks at Bad Apple Bank, where a lot of good work on a lot of relationships is being undone by a few big mistakes.

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  • Profitability Profiles: The Story of Surprise Bank

    Profitability Profiles: The Story of Surprise Bank

    Part two of our series on relationship profitability at selected banks. This piece looks at Surprise Bank, which generates its profits from a surprising source and in a surprising way.

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  • Profitability Profiles: The Story of Deadweight Bank

    Profitability Profiles: The Story of Deadweight Bank

    Part one of our series on relationship profitability at selected banks. This piece looks at Deadweight Bank, where a group of underperforming relationships (and RMs) are dragging down the bottom line.

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  • What's Next?: Three Paths for Commercial Banks During COVID-19

    What's Next?: Three Paths for Commercial Banks During COVID-19

    Things are far from normal economically with COVID-19, but commercial banks are out of survival mode and now have time to take stock and ask: What's next? Here's a look at three paths forward.

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  • Why Banks Need to Participate in the Main Street Lending Program

    Why Banks Need to Participate in the Main Street Lending Program

    With the Main Street Lending program about to start, there are several compelling reasons why banks should be looking to participate in this next round of federal help for businesses.

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  • Middle Market Loan Volume Has Crashed

    Middle Market Loan Volume Has Crashed

    The frenzy to process PPP applications has masked some serious problems for commercial bankers. Here's what's happened and why banks now need to start focusing on Main Street lending programs.

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  • LOC Utilization: Recent Indicators

    LOC Utilization: Recent Indicators

    A look at recent changes in utilization rates on revolving lines to see how businesses’ cash flows are being impacted in real time.

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  • PPP and another "P" - Profitability

    PPP and another "P" - Profitability

    With banks taking a huge number of PPP loan applications, it's vital they understand the profitability of these deals and have the right technology in place to originate and service them.

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  • Commercial Deposit Balances: Early Indicators

    Commercial Deposit Balances: Early Indicators

    What will the Fed's recent liquidity injections mean for commercial deposits? And what do commercial deposit balances tell us about current levels of credit risk?

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  • The Potential Risks of Rate Floors and Minimums

    The Potential Risks of Rate Floors and Minimums

    There is building sentiment for adding rate floors in this current market environment. But banks should also be aware of the potential risks involved.

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  • The Bankers’ Guide to Working from Home

    The Bankers’ Guide to Working from Home

    Having a hard time adjusting to working remotely? Dallas Wells has got you covered. He shares his insight into how bankers can effectively work from home.

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  • How to Steer Your Bank's Portfolio Through an Economic Downturn

    How to Steer Your Bank's Portfolio Through an Economic Downturn

    To survive (and thrive) during an economic downturn, your bank must monitor the right indicators, quickly adjust its portfolio strategy, and ensure that strategy turns into tangible action. Learn how.

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  • Stop Focusing So Much on Cost Assumptions

    Stop Focusing So Much on Cost Assumptions

    Overhead costs don't move the needle. Here's what you should focus on instead.

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  • 6 Ways Your Bank Can Price Better for Risk

    6 Ways Your Bank Can Price Better for Risk

    When the economic cycle inevitably turns, how your bank fares will likely depend on how well it prices for risk. Here are 6 ways risk gets mispriced and thoughts on how to correct those mistakes.

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  • A Lesson in Banking Change Management

    A Lesson in Banking Change Management

    Banks don't fear change, but they do view it with healthy skepticism. To move their institutions forward without causing a rebellion, bank innovators must always keep the end user in mind.

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  • Two Painful Lessons Commercial Banks Keep Ignoring

    Two Painful Lessons Commercial Banks Keep Ignoring

    If your commercial bank is clinging to outdated pricing technology, it's likely dealing with a host of unintended (and unwelcome) consequences.

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  • Does Your Commercial Bank Have a CRE Dependency?

    Does Your Commercial Bank Have a CRE Dependency?

    If your commercial bank has grown reliant on CRE loans, it could lead to trouble in the future. How can your bank steer clear of this danger?

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  • Four Reasons Why Now Is the Time to Modernize Your Commercial Bank Technology

    Four Reasons Why Now Is the Time to Modernize Your Commercial Bank Technology

    Four big trends have combined to make create an window of opportunity for commercial banks to add much-needed technology.

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  • Building Your Commercial Bank Around Relationships

    Building Your Commercial Bank Around Relationships

    Commercial banks may talk about being relationship-based in their sales, but are they set up to execute that strategy? And is relationship-based banking a high enough priority?

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