July 27, 2023· 46 min

The Massive Shift Underway in the US Banking System

Scott Hildenbrand

Orality

Model

50%

Speaker Breakdown

HostJoe Weisenthal(1,957 words)

M:94%

HostTracy Alloway(1,455 words)

M:29%

GuestScott Hildenbrand(6,022 words)

M:29%

Oral Indicators

Agonistic23%

literally, completely, very

Engagement75%

you, our, your

Memory Aids100%

listen, now, so

Repetition100%

like (130x), banks (92x), bank (80x)

Parallelism71%

And I'm Tracy Alloway...., So yeah...., And I was like, no....

Sound Patterns90%

94 question(s), alliteration: "markets move", alliteration: "barclays brief"

Formulaic Phrases6%

you know what, i mean, the way i see it

Literate Indicators

Hedging5%

maybe, could, might

Passive Voice3%

be guaranteed, be bailed, is modeled

Abstract Nouns17%

investment, recommendation, vacation

Subordination7%

since, because, though

Sentence Length32%

Avg: 12.9 words/sentence

Word Complexity45%

investment, analyze, anticipate

Academic Markers0%

Impersonal Style25%

785 personal pronouns found

Descriptive Style71%

literally, completely, especially

Description

When Silicon Valley Bank imploded, there was a lot of talk about the future of regional and community banks in the United States. Can they compete with the large, too-big-to-fail institutions? What will happen to their deposits and their cost of capital? But actually the challenges facing smaller banks long precede March's banking drama. Tensions have been building for years, and will likely continue to do so, even if things have stabilized over the last few months. On this episode, we speak with Scott Hildenbrand, the chief balance sheet strategist at Piper Sandler, who works hand-in-hand with smaller banks to address these issues. We discuss the competitive landscape, the threats to their business model and why he thinks massive consolidation is on the way. See omnystudio.com/listener for privacy information.

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