Banking, Numbers and the discipline of clear thought
Seeking Clarity. Banking, Numbers and the discipline of clear thought
A weekly read by James Tippit. Banking, Numbers and the discipline of clear thought
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Past Issues
Issue #6 · Jul 14, 2026
The Way Home
A reflection on the Odyssey, the second half of life, a tattoo with my son, and why protecting the banks that protect their communities is the homecoming I want.
Read Issue →Issue #5 · Jul 3, 2026
Statistical Twins
Two Texas community banks read as statistical twins on any peer report. Read three numbers together and one is closer to a capital problem than its board knows.
Read Issue →Issue #4 · Jun 25, 2026
The CRE Trap.
The one-line slide in every strategic plan: reduce CRE, grow C&I. Why it treats a complex problem as a complicated one, and what the engine showed when one Texas community bank tried it.
Read Issue →Issue #2 · Jun 12, 2026
The bank that aced every test.
A bank with pristine credit, strong capital, and lean overhead — quietly losing money on its core business for reasons no single page on its scorecard will ever show. What TBPI saw underneath, and the next-generation question it answered.
Read Issue →Issue #1 · May 30, 2026
The Board chose comfort.
What happens when you have all the data but none of the will to act. A look at how AI adoption stalls in the boardroom and what actually breaks the pattern.
Read Issue →