Ceto and Associates is proud to present our blog – The Mad Banker!

Welcome to The Mad Banker!  We are excited to introduce you to our blog written by team members at the bank consulting firm, Ceto and Associates.  mad-banker_BodyWe will bring you best practices for your financial institution, opinion pieces and hot topics in the banking industry.

We hope to entertain and educate you each time you visit.  Our plan is to share thought provoking info with a humorous twist. Hey, banking can be witty and cool, right?  We plan to make this so!  Please feel free to comment and challenge us with your thoughts and insights.  We would love to start an impassioned conversation.

Please share The Mad Banker blog with all your friends and colleagues, and sign up for our e-newsletter to receive the blog straight to your email box.  We hope to continue to see you around and hear from you soon!

-The Mad Bankersmad-banker-hatonly


  • Note: The loan origination process is often a complex process requiring numerous handoffs between front and back office processes. The process also differs somewhat by loan type. Rather than provide a broader generalization of the end-to-end value chain, I have decided it best to split the blog i [Read More...]


  • There is a saying amongst the tech community that was coined by the statistician William E. Deming: “In God we trust, all others must bring data.” This was all well and good back in the 60’s, when an entire person’s life could be summarized on a few sheets of paper – however, today the [Read More...]


  • For Banks and Credit Unions, the post-recession environment has been a time of retrenchment and reinvention.  Those institutions still standing after the collapse of our economy have dusted themselves off and surveyed the new landscape of the industry, an industry that was rocked to its very cor [Read More...]


  • Though it’s a common cause for hesitation, financial institutions need not fear fees as they price their deposit products with the goal of growing revenue and profitability. While they must consider customer’s sensitivity to price changes, they should not be consumed by this concern. Contrary [Read More...]


  • One of the mantras most quoted for personal investors is, “Don’t Fight the Fed.” Essentially, the concept is that the pursuit of an investment strategy that runs counter to the economic environment that the Federal Reserve is attempting to promote, will not perform to expectations. At the F [Read More...]


  • Experts have predicted rising mortgage rates for some time, and it appears the U.S. may finally be entering a prolonged increased rate environment. While post-election mortgage rates rose somewhat sharply to end 2016, the current average 30-year fixed rate mortgage has settled back in at 3.90%. B [Read More...]


  • Rewards checking products have been around for some time. A rewards checking product is a checking account that provides consumer incentives or perks when certain monthly requirements are met. These perks may include high annual percentage rates, ATM refunds, cash back, iTunes credits, airline mi [Read More...]


  • Buying a car requires a great deal of research and decision-making. First, you must take an in-depth look at your finances to see what you are able to afford. Once you have a ball-park idea of what is within your price range, you can move on to determining which brand of car you want. Then, [R [Read More...]


  • In general, how would a bank or a credit union define a ‘good’ customer or member? One that does not overdraw their checking account on a regular basis? One that makes their loan payment on time, every time? One that has their primary relationship with the institution and uses multiple produc [Read More...]


  • Merger and Acquisition (M & A) is not something that is typically associated with Credit unions. In the past, credit unions typically focused on a certain business or industry, usually referred to as a “Select Employee Group,” or more commonly known as a SEG. Until 2005, about 82% of Cre [Read More...]