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Joe Dugan

Community Bank Vs Large Bank

4 min read

Why Community Banks Must Win on Efficiency Now by Becoming Truly Nimble

Picture of Joe Dugan Joe Dugan: 11/13/25 9:14 AM

Key Takeaways From This Blog: The Huntington Bancshares acquisition of Cadence Bank, creating a $258B-asset institution, highlights a powerful trend: mergers are rising sharply. With 57 U.S. bank deals announced in the first five months of 2025 and...

Banks Strategy Organizational Efficiency
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Paper Tiger

4 min read

Digital Bank Brands: Deposit Growth Engines or Paper Tigers?

Picture of Joe Dugan Joe Dugan: 10/24/25 10:44 AM

Key Takeaways From This Blog: Inspired by early successes like Chime and Marcus, dozens of community and regional banks launched digital-only brands...

Technology Strategy Digital Banking
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Sears and Amazon

2 min read

How the Histories of Sears and Amazon Can Inform the Future of Financial Institutions

Picture of Joe Dugan Joe Dugan: 10/2/25 1:24 PM

At one time, Sears was unstoppable. Its name stood alongside America’s industrial greats. It built the tallest building in the world. It sold...

Strategy Strategic Planning Organizational Efficiency
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3 min read

Organizational Efficiency in Banking is Not About Downsizing, it’s About Alignment.

Picture of Joe Dugan Joe Dugan: 9/11/25 2:39 PM

After 30 years in this industry, I’ve seen “efficiency” become synonymous with downsizing. Since the early ’90s, when efficiency was only considered...

Strategic Consulting Strategy Organizational Efficiency
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