ABOUT BLOGGER

A little about the bankeroverboard. I am currently a community banker located in Chattanooga, TN. I have over thirty years of banking experience including lending, examining, and risk management. I have also been an entrepreneur in the past and present. My one true passion, besides my family is handball. Married with four grown kids, its time for me to live out my professional dream. Since the 1980’s I have been obsessed with Uniform Bank Performance Reports (aka UBPR’s). Think of them as the Holy Grail of the Banking world. I use to go to the library and research banks in my spare time…I know it sounds nerdy, but my obsession means you don’t have to. I literally spend hours in my free time doing bank computations. I have figured out how to identify problem banks in a way no one else has thought of …or just didn’t do. I knew I was on to something when I predicted my first Bank failure in November of 2023.

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