# ![@CorpusCol Avatar](https://lunarcrush.com/gi/w:26/cr:twitter::1322239703135956993.png) @CorpusCol CorpusColossus

CorpusColossus posts on X about bank, in the, ceo, $wfc the most. They currently have [-----] followers and [---] posts still getting attention that total [-----] engagements in the last [--] hours.

### Engagements: [-----] [#](/creator/twitter::1322239703135956993/interactions)
![Engagements Line Chart](https://lunarcrush.com/gi/w:600/cr:twitter::1322239703135956993/c:line/m:interactions.svg)

- [--] Week [------] +83%
- [--] Month [------] +48%
- [--] Months [-------] -68%
- [--] Year [-------] -15%

### Mentions: [--] [#](/creator/twitter::1322239703135956993/posts_active)
![Mentions Line Chart](https://lunarcrush.com/gi/w:600/cr:twitter::1322239703135956993/c:line/m:posts_active.svg)

- [--] Week [--] -13%
- [--] Month [--] -7.70%
- [--] Months [---] +12%
- [--] Year [---] +14%

### Followers: [-----] [#](/creator/twitter::1322239703135956993/followers)
![Followers Line Chart](https://lunarcrush.com/gi/w:600/cr:twitter::1322239703135956993/c:line/m:followers.svg)

- [--] Week [-----] +0.10%
- [--] Month [-----] +0.11%
- [--] Months [-----] +1.30%
- [--] Year [-----] +6.10%

### CreatorRank: [-------] [#](/creator/twitter::1322239703135956993/influencer_rank)
![CreatorRank Line Chart](https://lunarcrush.com/gi/w:600/cr:twitter::1322239703135956993/c:line/m:influencer_rank.svg)

### Social Influence

**Social category influence**
[finance](/list/finance)  20.95% [stocks](/list/stocks)  15.24% [technology brands](/list/technology-brands)  4.76% [social networks](/list/social-networks)  3.81% [countries](/list/countries)  2.86% [cryptocurrencies](/list/cryptocurrencies)  2.86% [financial services](/list/financial-services)  2.86%

**Social topic influence**
[bank](/topic/bank) 17.14%, [in the](/topic/in-the) 7.62%, [ceo](/topic/ceo) 4.76%, [$wfc](/topic/$wfc) 4.76%, [fdic](/topic/fdic) 4.76%, [list](/topic/list) 3.81%, [$bkut](/topic/$bkut) 3.81%, [more than](/topic/more-than) 3.81%, [$soub](/topic/$soub) #1, [level](/topic/level) 2.86%

**Top accounts mentioned or mentioned by**
[@ron284ron](/creator/undefined) [@aureliusltd28](/creator/undefined) [@fredinheaven4](/creator/undefined) [@fredearle4](/creator/undefined) [@shortbusace](/creator/undefined) [@timyanbankalert](/creator/undefined) [@shortbus_ace](/creator/undefined) [@groditid](/creator/undefined) [@invertedfragil1](/creator/undefined) [@codifybaseball](/creator/undefined) [@moraloverdraft](/creator/undefined) [@srcreditofficer](/creator/undefined) [@chasesfish](/creator/undefined) [@oldkohn](/creator/undefined) [@jbulltard1](/creator/undefined) [@catahoulavalue](/creator/undefined) [@jaynachman](/creator/undefined) [@itsgrahamparker](/creator/undefined) [@fcnightingale](/creator/undefined) [@therickwilson](/creator/undefined)

**Top assets mentioned**
[Wells Fargo & Co (WFC)](/topic/$wfc) [Basis Cash (BAC)](/topic/$bac) [JPMorgan Chase (JPM)](/topic/$jpm) [SVB Financial Group (SIVBQ)](/topic/$sivb) [Newton Protocol (NEWT)](/topic/$newt) [U.S. Century Bank (USCB)](/topic/$uscb) [Bank OZK (OZK)](/topic/$ozk) [NB Bancorp, Inc (NBBK)](/topic/$nbbk) [Fiserv, Inc. (FI)](/topic/$fi) [PNC Financial Services Group Inc (PNC)](/topic/$pnc) [First Interstate BancSystem, Inc. - Class A (FIBK)](/topic/$fibk) [Hanover Bancorp, Inc. (HNVR)](/topic/$hnvr)
### Top Social Posts
Top posts by engagements in the last [--] hours

"$USCB buying back almost half of Patriot's 22% position at a hair under market. So accretive to EPS. But the outside catalyst is basically saying "my work is done here""  
[X Link](https://x.com/CorpusCol/status/1963941303676191136)  2025-09-05T12:24Z [----] followers, [----] engagements


"The TDR offender is $MNSB which had a gigantic CRE ($60 mil) TDR. $HBCP was just below the cutoff. The big moves in nonaccrual loans are $PBAM(ATB) $GBFH(SBA) $NEWT(SBA)$PBHC (ATB) $SOUB (C&I) yet again and $SSBI (IRE) also yet again"  
[X Link](https://x.com/CorpusCol/status/1984816622599639211)  2025-11-02T02:55Z [----] followers, [----] engagements


"@Aureliusltd28 I'm not in the weeds of either loan book but I know that $OZK lends with an eye toward risk/reward and profitability while $MBIN always seemed more focused on growth first. So unless the current facts are skewed against $OZK it will do better"  
[X Link](https://x.com/CorpusCol/status/2001034133414330550)  2025-12-16T20:58Z [----] followers, [---] engagements


"Worth noting that $ZION's bank CEO Paul Burdiss is retiring early and soon. Since he's being replaced by a BYU grad not clear if this is performance-related or cultural. I always thought well of Burdiss past encounters"  
[X Link](https://x.com/CorpusCol/status/2003855140005298605)  2025-12-24T15:47Z [----] followers, [----] engagements


"@Aureliusltd28 @chasesfish @shortbus_ace Should $CCBG (a) live with cyclical ROE based entirely on the level of short-term rates (b) achieve higher returns by taking on more credit risk that it can manage (c) achieve higher returns by shedding less competent employees who are slowing everyone else down. (c) for me"  
[X Link](https://x.com/CorpusCol/status/2016616454011949205)  2026-01-28T20:56Z [----] followers, [---] engagements


"@oldkohn Used to be State Bank of Cross Plains for those of us who'd forgot about it were checking in every [--] years"  
[X Link](https://x.com/CorpusCol/status/2018047315664056583)  2026-02-01T19:42Z [----] followers, [---] engagements


"@Ron284Ron "After years of underperformance $GLBZ is poised to continue to underperform.""  
[X Link](https://x.com/CorpusCol/status/2019237856427053464)  2026-02-05T02:33Z [----] followers, [---] engagements


"SMBC Manubank (CA) CFG Community (MD) Apex (TN) and First of Alabama. Glossary: ADC Construction ATB 3+ Categories in meltdown C&I Commercial & Industrial CRE Investor RE Leases MF Apartments SFR Houses"  
[X Link](https://x.com/CorpusCol/status/2019933309447635024)  2026-02-07T00:36Z [----] followers, [---] engagements


"Banks with big jumps in loans 30-89 days past due: $BYFC (ADC MF) $FFMH (ADC) $FRST (ADC CRE) $NBBK (C&I SFR) $PBHC (ATB) $PFBC (CRE MF) $TFIN (ATB) and $WTFC's Macatawa sub (C&I). Big jumps in nonaccruals: $BHDB (MF) $FDVA (C&I) and $FGEB (ADC). Truly an odd trio"  
[X Link](https://x.com/CorpusCol/status/2019933311490240598)  2026-02-07T00:36Z [----] followers, [---] engagements


"Banks with big jumps in restructured loans: $FFBB (SFR) $MNSB (C&I) and $NODB (CRE). This is the second quarter in a row for $MNSB and their restructured loans are now 6%+ of total loans. And their CEO is a former regulator. There ought to be a law"  
[X Link](https://x.com/CorpusCol/status/2019933313541292479)  2026-02-07T00:36Z [----] followers, [---] engagements


"@GRoditiD @Aureliusltd28 I should have pointed out that Mt Gox another mountain bad at custody"  
[X Link](https://x.com/CorpusCol/status/2020975302479102232)  2026-02-09T21:37Z [----] followers, [--] engagements


"@jbulltard1 It worked for Fiserv for a long time"  
[X Link](https://x.com/CorpusCol/status/2021271870260293894)  2026-02-10T17:15Z [----] followers, [---] engagements


"@Ron284Ron @Catahoula_Value $NRIM is taking significant share from them as well as $WFC. It's not clear if that's OK on a risk-adjusted basis"  
[X Link](https://x.com/CorpusCol/status/2021591880647971269)  2026-02-11T14:27Z [----] followers, [---] engagements


"@JayNachman @ItsGrahamParker Just read your book after seeing the excerpt in the Guernsey Press of all places"  
[X Link](https://x.com/CorpusCol/status/2021721429717422170)  2026-02-11T23:02Z [----] followers, [--] engagements


"@shortbus_ace Enes Kanter did not"  
[X Link](https://x.com/CorpusCol/status/2021777636209385912)  2026-02-12T02:45Z [----] followers, [---] engagements


"@FredinHeaven4 Great question. Suspect it was that FRBK was pissing people off and nobody likes Norcross. Perhaps UCSB is more neutral. Looks like they are slowly winding it down and there's little risk it metastasizes into a complete disaster. So why bother"  
[X Link](https://x.com/CorpusCol/status/2021980043405406281)  2026-02-12T16:09Z [----] followers, [--] engagements


"@invertedfragil1 @FCNightingale That was the HQ before they moved it to Dallas. Manufacturers Bank was in the Ren Center"  
[X Link](https://x.com/CorpusCol/status/2022135163418030519)  2026-02-13T02:26Z [----] followers, [--] engagements


"@TheRickWilson No - Brigid O'Shaughnessy: You know down deep in your heart and in spite of anything I've done I love you. - Samuel Spade: I don't care who loves who I won't play the sap for you. I won't walkin Thursby's - and I don't know how many other's - footsteps"  
[X Link](https://x.com/CorpusCol/status/2022416578529390791)  2026-02-13T21:04Z [----] followers, [---] engagements


"@Roger774501171 Wally Berger"  
[X Link](https://x.com/CorpusCol/status/2022450370824540379)  2026-02-13T23:18Z [----] followers, [--] engagements


"Former CEO of FirstBank (Colorado) which is being acquired by $PNC is now CEO of $FIBK. He just posted on LinkedIn that he wants to hire a ton of folks in Colorado. In the circle the circle of life"  
[X Link](https://x.com/anyuser/status/1968095089160491041)  2025-09-16T23:30Z [----] followers, 11.2K engagements


"Here's my list of banks with wilting loan quality in 3Q. The FDIC data is available much faster this quarter. Again this is bank level for everyone $1B+ in assets. I mention every publicly traded bank with a move of 100+ bps in any of [--] categories: [---] bps is really a lot"  
[X Link](https://x.com/anyuser/status/1984816616287142073)  2025-11-02T02:55Z [----] followers, 17K engagements


"Time for the roll call of U.S. banks w/ big (100+ bp) deterioration in credit quality in the latest quarter. It's more names than usual this time though all are fairly obscure. Private names that show up that you may have heard of include MidFirst (OK) Cross River (NJ)"  
[X Link](https://x.com/CorpusCol/status/2019933307442532460)  2026-02-07T00:36Z [----] followers, [----] engagements


"The banks with big jumps in loan losses where nonaccruals did not decline have an asterisk: $FGBI (Leases) $BCBP) $HNVR* $IBTN $INBC $MSBI* and $SOUB (all C&I). The concentration of loss recognition in C&I implies that banks are not willing to fess up on bad CRE loans yet"  
[X Link](https://x.com/CorpusCol/status/2019933315588059219)  2026-02-07T00:36Z [----] followers, [----] engagements


"@Jimfrombaseball Playing for Joe McCarthy teams that scored about [--] runs per game there was no reason to try to steal bases and run the risk of ending a big inning"  
[X Link](https://x.com/CorpusCol/status/2022140671113809947)  2026-02-13T02:48Z [----] followers, [---] engagements


"$BKUT YE financials reveal [--] AFS bonds. The massive bond book is all Held To Maturity. Never seen this before. Cash is only 4.6% of deposits. Equities are another 18.8%. Remember if you sell one HTM bond it all get marked. Completely irresponsible"  
[X Link](https://x.com/CorpusCol/status/2022386506753835008)  2026-02-13T19:04Z [----] followers, [----] engagements


"@Schornack The collapse of M&I in [----] was another example of a bank thinking its home field advantage was skill that they could replicate elsewhere. No they just knew everyone in Milwaukee In Phoenix or Naples or KC they were the sucker at the poker table and didnt know it"  
[X Link](https://x.com/CorpusCol/status/2022468177247244514)  2026-02-14T00:29Z [----] followers, [---] engagements


"The best way to have a high Return on Assets is to have a business that has returns without assets on your balance sheet like trust or processing. The best way to have a profitable trust department is have somebody else build it [---] years ago"  
[X Link](https://x.com/CorpusCol/status/2022787083262115855)  2026-02-14T21:36Z [----] followers, [----] engagements


"@JasonEBurack @UnicusResearch FHB usually means First Hawaiian Bank. Is that a typo"  
[X Link](https://x.com/CorpusCol/status/1982125290684928072)  2025-10-25T16:41Z [----] followers, [--] engagements


"@MaxfieldOnBanks @shortbus_ace This is not an acceptable answer MoB. It's not a mutual. In my world the bank has to work for its owners too. There needs to be a ROE hurdle for them to clear. Having said that to my mind $COLB is good enough to leave alone. It's the local banks like $BKUT that aren't"  
[X Link](https://x.com/CorpusCol/status/1984290383258698055)  2025-10-31T16:04Z [----] followers, [---] engagements


"Glossary: ADC Construction ATB Across The Board C&I Commercial & Industrial CONS Consumer CRE Commercial Real Estate IRE Investor CRE MF Apartments NCOs Loan Losses O-O Owner Occupied CRE SBA Small Business SFR Home Mortgage TDR Troubled Debt Restructure"  
[X Link](https://x.com/CorpusCol/status/1984816620775031010)  2025-11-02T02:55Z [----] followers, [----] engagements


"@ValdivianCap @colarion @TimyanBankAlert It is [--] years old. Hoboken is one sq mile and has [--] bank branches - so lots of competition. $BLFY's is the smallest by a wide margin. Location is not the problem"  
[X Link](https://x.com/CorpusCol/status/1993394651332853895)  2025-11-25T19:01Z [----] followers, [--] engagements


"@OurBank3 @Akston_Capital Pretty sure you mean $FSRL not $FRSB - where LinkedIn does not show any Saunders"  
[X Link](https://x.com/CorpusCol/status/2003306450408604012)  2025-12-23T03:27Z [----] followers, [---] engagements


"@Ron284Ron $FRSB down due to @OurBank3s slanderous typo"  
[X Link](https://x.com/CorpusCol/status/2003509798344827199)  2025-12-23T16:55Z [----] followers, [---] engagements


"@TimyanBankAlert $4B rather than $5B is oddly specific. The only NY bank between $4-5B is $AROW"  
[X Link](https://x.com/CorpusCol/status/2003899632519438632)  2025-12-24T18:44Z [----] followers, [----] engagements


"@Ron284Ron I will monitor the $BKUT situation for you"  
[X Link](https://x.com/CorpusCol/status/2009296661550407810)  2026-01-08T16:10Z [----] followers, [---] engagements


"@FredinHeaven4 @Ron284Ron They only own 8%. Need to keep others happy since they are no dual-class scumbags like $BKUT. Also want to buy other banks"  
[X Link](https://x.com/CorpusCol/status/2013745433483395233)  2026-01-20T22:48Z [----] followers, [--] engagements


"@Ron284Ron $FGFH raised dividend today by 10%"  
[X Link](https://x.com/CorpusCol/status/2014017600259244271)  2026-01-21T16:49Z [----] followers, [---] engagements


"The banking connection to the death of Olivia N-J is that she and former $WBC.AX CEO David Morgan co-starred as child actors in "Funny Things Happen Down Under" in 1965"  
[X Link](https://x.com/CorpusCol/status/1557041714858270725)  2022-08-09T16:30Z [----] followers, [--] engagements


"@Ron284Ron Same town as $MCHT but in less dire shape"  
[X Link](https://x.com/CorpusCol/status/1658179420119523343)  2023-05-15T18:35Z [----] followers, [---] engagements


"Reasonable results out of the megabanks and the early reporting microcaps (which tend to be well-managed). Expecting more End of Days fodder as the herd straggles in. Hope I'm wrong - investment performance is preferable to Cassandran schadenfreude"  
[X Link](https://x.com/CorpusCol/status/1679848790616883202)  2023-07-14T13:42Z [----] followers, [----] engagements


"@TimyanBankAlert $MCHT* On the other hand their payout ratio is still pretty manageable and the ROA is still 0.50%. All of which is to say that writing down the bonds and not writing up the deposits is a shorthand we should move past"  
[X Link](https://x.com/CorpusCol/status/1687271279420751872)  2023-08-04T01:16Z [----] followers, [---] engagements


"It's possible that the FDIC didn't force the neg. TBV banks like $MCHT to raise equity because $SIVB convinced that it was too dangerous and no capital was available. Does $BRBS' deal change that dynamic"  
[X Link](https://x.com/CorpusCol/status/1738267357645066275)  2023-12-22T18:36Z [----] followers, [----] engagements


"@FredEarle4 If a community bank is truly serving the community it will gain market share $ASCN and $ELMA don't. If the community values the bank's presence the bank can charge enough to earn a decent ROE these two don't. Only the employees benefit from their independence"  
[X Link](https://x.com/CorpusCol/status/1751962211621146660)  2024-01-29T13:35Z [----] followers, [--] engagements


"@Ron284Ron $ELMA divd is still less than the pre-Covid rate when they were the only bank to cut the divd"  
[X Link](https://x.com/CorpusCol/status/1754328956457603107)  2024-02-05T02:19Z [----] followers, [---] engagements


"@FredEarle4 @no__bs__ $BKOR is the other community bank there. They've got essentially the same loan yield but the cost of deposit is [---] bps lower"  
[X Link](https://x.com/CorpusCol/status/1785995819662885221)  2024-05-02T11:32Z [----] followers, [---] engagements


"And according to today's Irish Independent the reboot actually worked The status quo may prevail despite being generally despised. "Poll shock: Sinn Fin support plummets as Independents now most popular among voters". $AIB $BIRG"  
[X Link](https://x.com/CorpusCol/status/1796947449229066726)  2024-06-01T16:50Z [----] followers, [----] engagements


"@FredEarle4 @NWCTrader Exactly. The problem with being in the middle of the woods is that no big bank will buy your competition and zombify it. And nobody will buy you. I own a lot of backwoods banks but none of them have more than [--] community bank competitor. $ELMA has 3"  
[X Link](https://x.com/CorpusCol/status/1798433718119338182)  2024-06-05T19:16Z [----] followers, [--] engagements


"@flea_press Complete list of guys who don't us kibbitzing from dry land: $UNTN $HTBI $TVLF $LSFG $MCBI"  
[X Link](https://x.com/CorpusCol/status/1843411813930778760)  2024-10-07T22:03Z [----] followers, [---] engagements


"@Bonhoeffer_KDS There are many good ones. I nominate $OVLY $FFBB and $RCBC. Would accept another [--] too. The deposit pricing umbrella provided by $BAC $WFC and $JPM is so valuable"  
[X Link](https://x.com/CorpusCol/status/1860872900250665288)  2024-11-25T02:27Z [----] followers, [----] engagements


"@wabuffo @Aureliusltd28 Yes. And $RBCAA too. Should have said that"  
[X Link](https://x.com/CorpusCol/status/1953060352456827105)  2025-08-06T11:47Z [----] followers, [---] engagements


"@Ron284Ron The last $FAHE trade was the day of '25 not the last day of '24"  
[X Link](https://x.com/CorpusCol/status/2016576250672783580)  2026-01-28T18:16Z [----] followers, [---] engagements


"@FredEarle4 @Ron284Ron True. $SFIGA did a bought out after going dark a material shareholder and never made an announcement. Could only see it in the equity account"  
[X Link](https://x.com/CorpusCol/status/1699546587410636992)  2023-09-06T22:14Z [----] followers, [---] engagements


"A little off piste for me but the Varadkar resignation seems very positive for $AIB & $BIRG as it gives the governing coalition [--] months to reboot before the next election. As it is they are so unpopular that the communist/nationalist/terrorist Sinn Fein is a real threat"  
[X Link](https://x.com/CorpusCol/status/1770746138737443225)  2024-03-21T09:35Z [----] followers, [----] engagements


"Just learned from reading the $SFIGA annual that former Dodger standout Carl Erskine who died two weeks ago had been a president of a subsidiary bank. He was a very good pitcher. Hope he was a good banker too"  
[X Link](https://x.com/CorpusCol/status/1785118025819005187)  2024-04-30T01:24Z [----] followers, [----] engagements


"@Ron284Ron More tiny banks should do this"  
[X Link](https://x.com/CorpusCol/status/1827103930687353109)  2024-08-23T22:01Z [----] followers, [---] engagements


"$AUB buying $SASR at slight premium"  
[X Link](https://x.com/CorpusCol/status/1848315661346283812)  2024-10-21T10:49Z [----] followers, [----] engagements


"$UNIF is the only bank to show up multiple times due to the implosion of its commercial equipment portfolio which shows no signs of being over. The offending loan types for other banks are in ( ). A glossary further on will explain the abbreviations"  
[X Link](https://x.com/CorpusCol/status/1853203654398058746)  2024-11-03T22:32Z [----] followers, [----] engagements


"The banks with higher 30-89 day delinquencies are $BPRN (ATB) $BSBK (CRE) $CMRB (ADC CRE) $COSO (CRE) $DIMC (ATB) $FINW (ATB) $GFBH (CRE - SBA) $OPOF (CRE) $TBBC (C&I) $UNIF"  
[X Link](https://x.com/CorpusCol/status/1853203661326835811)  2024-11-03T22:32Z [----] followers, [----] engagements


"Banks with a lot more 30+ days loans: $NEWT (SBA) $EVBN (SFR CRE) the MCBC part of $WTFC (C&I) $MGYR (AB) - the Hungary banker of NJ $QNTO (ADC) $SLRK (CRE)"  
[X Link](https://x.com/CorpusCol/status/1887587122762199324)  2025-02-06T19:40Z [----] followers, [---] engagements


"This is a really tame list considering all the volatilty of the last few years. There's no sign that issues are getting worse frankly. In fact there are many indications that issues are worse outside the banking system that within"  
[X Link](https://x.com/CorpusCol/status/1887587128592506924)  2025-02-06T19:40Z [----] followers, [----] engagements


"h/t to @FredinHeaven4 I missed $CMRB which did use the 90+ but still accruing loophole for a $20+ million CRE loan"  
[X Link](https://x.com/CorpusCol/status/1887649231281791245)  2025-02-06T23:47Z [----] followers, [----] engagements


"No public bank had much worse loans 90+ and still accruing. Ditto for loan losses since banks tend to load those into 4Q and the cupboard is bare for 1Q"  
[X Link](https://x.com/CorpusCol/status/1918985436812173690)  2025-05-04T11:05Z [----] followers, [----] engagements


"Banks with much worse nonaccruing loans are $PFBC (ADC & MF) $FGBI (ADC & CRE) $BCBP (O-O & CRE) $BKGM (O-O & C&I) $CMRB (O-O) $UNB (ADC) $NEWT (ATB) and $SOUB again (ATB)"  
[X Link](https://x.com/CorpusCol/status/1918985438850642214)  2025-05-04T11:05Z [----] followers, [----] engagements


"@Aureliusltd28 @PhilTimyan @JustBankStocks Its phrased wrong. Few put in cash but many get stock for free and have no other assets beyond houses"  
[X Link](https://x.com/CorpusCol/status/1945800311739687191)  2025-07-17T10:58Z [----] followers, [---] engagements


"We don't bitch enough about $SFNC here. Mr. Makris became CEO of a sleepy AR bank in '13. The stock went straight up that year in the belief that he would infuse energy into a lethargic company. But the stock is flat over the next [--] years"  
[X Link](https://x.com/CorpusCol/status/1947680019121070478)  2025-07-22T15:27Z [----] followers, [----] engagements


"@SirBaby6 $BSFO $AMAL are two examples"  
[X Link](https://x.com/CorpusCol/status/1967354313589895285)  2025-09-14T22:26Z [----] followers, [---] engagements


"@Ron284Ron $WOBK was $65 a month ago"  
[X Link](https://x.com/CorpusCol/status/2018408479409504371)  2026-02-02T19:37Z [----] followers, [---] engagements


"1/ Anyone who has been around the block in U.S. bank investing knows that construction lending is the ultimate party drug: it juices returns gets you hooked and then ruins your life"  
[X Link](https://x.com/anyuser/status/1465323928885374976)  2021-11-29T14:17Z [----] followers, [---] engagements


""Do not my friends become addicted to water. It will take hold of you and you will resent its absence." - Immortan Joe. Not financial advice"  
[X Link](https://x.com/anyuser/status/1478751568254152709)  2022-01-05T15:33Z [----] followers, [--] engagements


"Nobody asked but I think the Ukraine will win. Russian superiority in armor and airpower won't matter much in urban fighting against an opponent with high morale. Think Fallujah. If Russia had well trained troops with high morale it would still take a lot of casualties"  
[X Link](https://x.com/anyuser/status/1497320158024589325)  2022-02-25T21:18Z [----] followers, [--] engagements


"@whatifalthist The Serbians and the empire of Stephen Dushan. Caused WWI and genocide in Kossovo. And now isolation from Europe"  
[X Link](https://x.com/anyuser/status/1523704250370379777)  2022-05-09T16:39Z [----] followers, [--] engagements


"Slow change is great for banks and rapid change is bad. In credit it's because underwriting looks backward and rapid change nukes rules of thumb. With rates it's because asset yields are contractual while deposit costs are behavioral and rapid changes change behavior a lot"  
[X Link](https://x.com/anyuser/status/1593677640455655425)  2022-11-18T18:48Z [----] followers, [--] engagements


"A law from [----] prevents banks with 10% of US deposits from M&A of more. As the megabanks grew mostly thru M&A that should've capped their growth. This thread will see how that has played out - TLDR $JPM is kicking ass $BAC is choosy $WFC is in a daze. More as time permits"  
[X Link](https://x.com/anyuser/status/1626682330516541452)  2023-02-17T20:37Z [----] followers, [----] engagements


"Since I don't own it I'm delighted that $SIVB is down 37% on the cap raise. This will prevent ibankers and regulators from pushing spot seconardies as a painless panacea to the banks' predicament"  
[X Link](https://x.com/anyuser/status/1633852238610169861)  2023-03-09T15:28Z [----] followers, [----] engagements


"My predictions for the weekend: A buyer for SVB emerges with a moderate release of over the FDIC cap deposits. And Congress calls for a new round of regulation on liquidity management that will lower LT industry ROE noticeably"  
[X Link](https://x.com/anyuser/status/1634567924999438338)  2023-03-11T14:52Z [----] followers, 16.2K engagements


"@jeuasommenulle It would be humiliating to earn a 10% ROE in their social environment"  
[X Link](https://x.com/anyuser/status/1634585388592291841)  2023-03-11T16:01Z [----] followers, 10.2K engagements


"The $SBNY shutdown is quite odd. It still $6B equity even after a markdown on the HTM bonds. Ran out of marginable assets perhaps Granted the loans are heavily [--] yr fixed on NYC RE so there's embedded loss there but the FDIC has jumped the gun by its historic standards"  
[X Link](https://x.com/anyuser/status/1635048111273046018)  2023-03-12T22:40Z [----] followers, 28.8K engagements


"The median US bank earned 4.29% on assets* in 4Q. LIBOR* is 4.56%. Are the banks screwed Yes and no. The median cost of funding those assets in 4Q was only 0.96%. Financial folks think everyone is like them and wants to get paid the interbank rate but that's not so"  
[X Link](https://x.com/anyuser/status/1637960504449589248)  2023-03-20T23:33Z [----] followers, [----] engagements


"Your 1Q Bank Result CheckList: 1) cheap deposits now create most of the value in banking while most loans (ex cards) destroy value. How much did the $ of deposits with rates 1% change from 4Q Was the change in volume more than offset by wider spreads vs. avg fed funds"  
[X Link](https://x.com/anyuser/status/1644068581842341894)  2023-04-06T20:04Z [----] followers, 25.9K engagements


"As we exit a decade of abnormally great credit for US banks I went through the call reports of all banks with $1B+ in assets to look for early signs of credit deterioration. I'm only flagging those where the Q/Q change is more than 0.5% of loans"  
[X Link](https://x.com/anyuser/status/1688562190813454336)  2023-08-07T14:46Z [----] followers, 17.6K engagements


"Wanted to point out an after-the-Friday-close release (a dubious practice) from $HIFS = $1.53 vs. $4.77. Poor due to NIM down to 1.05% but not heinous since asset quality is still great and they earn their tiny dividend"  
[X Link](https://x.com/anyuser/status/1712930468289458539)  2023-10-13T20:37Z [----] followers, [----] engagements


"$HIFS reports after the close on Friday again and again it is unpleasant. Core EPS were $0.86 as the NIM goes under the Mendoza line to 0.89%. ROE = 1.7%. 50%+ of bank investing is avoiding bad news and 50%+ of bad news comes out after [--] on Fridays"  
[X Link](https://x.com/anyuser/status/1748453489896804451)  2024-01-19T21:12Z [----] followers, [----] engagements


"Hint from Bankland to $WEX owners: loans at Wex Bank 30+ delinquent went from $136 mil. on 9/30 to $417 mil. on 12/31. The second number is 13.7% of all loans"  
[X Link](https://x.com/anyuser/status/1753931821299933653)  2024-02-04T00:01Z [----] followers, [----] engagements


"Since the Fed is resting the current big factor for bank stocks is credit weakness. This is a short tweet to alert you to which banks are seeing alarming deterioration"  
[X Link](https://x.com/anyuser/status/1754297917739843641)  2024-02-05T00:16Z [----] followers, 20K engagements


"@Storage_Venture Women think that men are incapable of taking care of children. It's very strange. Unfortunately this spills over into terrible treatment for fathers in family court during custody battles"  
[X Link](https://x.com/anyuser/status/1770594399442911677)  2024-03-20T23:32Z [----] followers, 14.5K engagements


"@CodifyBaseball On a pace for [---] RBIs which would break Hack Wilson's current record of [---]. However Wilson achieved this with a [---] game schedule so Betts' record might need an asterisk"  
[X Link](https://x.com/anyuser/status/1770863383111168201)  2024-03-21T17:21Z [----] followers, [----] engagements


"Random thought/ Why were all the trust the science dudes against nuclear power when science was pretty clear that it was a good idea"  
[X Link](https://x.com/anyuser/status/1774936612767494309)  2024-04-01T23:07Z [----] followers, [----] engagements


"@CodifyBaseball The weird thing about Arraez is how his hits don't translate into runs. His Padre production projected to [---] games is [---] hits (easily a MLB record) but only [--] runs scored (less than half Ruth's record and not a great year). And the Padres have a slightly above avg offense"  
[X Link](https://x.com/anyuser/status/1794023730424754217)  2024-05-24T15:12Z [----] followers, [----] engagements


"A major US bank narrative is that $JPM $BAC and the other megabanks will crush the community banks like beetles with superior IT. This is a little true but mostly not"  
[X Link](https://x.com/anyuser/status/1795560079703294274)  2024-05-28T20:57Z [----] followers, 22.1K engagements


"When you meet some of the rising stars in American banking you realize how little talent has entered the industry since [----]. It wasnt always this bad. And there are fewer banks to manage"  
[X Link](https://x.com/anyuser/status/1837511389847355548)  2024-09-21T15:17Z [----] followers, 11.4K engagements


"Haven't spent full days with a bank's entire suite of EVPs since the pandemic but the poor quality of those getting promoted high tells me the cupboard is bare at the big banks. Meet 50-100 community bankers/year now. Most are older. Of the younger ones few have an edge"  
[X Link](https://x.com/anyuser/status/1837546464383270968)  2024-09-21T17:36Z [----] followers, [----] engagements


"Here's the quarterly summary of FDIC reports listing which banks had severe declines in loan quality in 3Q. This screen banks $500 mil. in assets and looked at all moves [---] bps. That's a huge move but even so we have more names than usual"  
[X Link](https://x.com/anyuser/status/1853203638979891592)  2024-11-03T22:32Z [----] followers, 18.2K engagements


"The decisive Senate majority means that Elizabeth Warren is no longer important so $WFC can shed its asset cap and its place in the doghouse be taken by $TD which will have the added bonus of pissing off Justin"  
[X Link](https://x.com/anyuser/status/1854218111903486281)  2024-11-06T17:43Z [----] followers, [----] engagements


"Think about this a lot. Kissinger on Trump to the FT in 2018: I think Trump may be one of those figures in history who appears from time to time to mark the end of an era and force it to give up its old pretenses"  
[X Link](https://x.com/anyuser/status/1855351008550899767)  2024-11-09T20:45Z [----] followers, [----] engagements


"@ulyssescapital @GritGrowthCap Except Dick wasn't smart enough to notice that the music had stopped"  
[X Link](https://x.com/anyuser/status/1863230510421443017)  2024-12-01T14:35Z [----] followers, [----] engagements


"Bank Twitter is not paying enough attention: @FreightAlley I pulled the court documents on Kal Freight and by my count heres a breakdown of their creditors and the types of loans they had: Daimler: $132.6M (Trucks trailers equipment collateral) TBK Bank: $72.3M (Loans & factoring secured by receivables/assets) Triumph: @FreightAlley I pulled the court documents on Kal Freight and by my count heres a breakdown of their creditors and the types of loans they had: Daimler: $132.6M (Trucks trailers equipment collateral) TBK Bank: $72.3M (Loans & factoring secured by receivables/assets) Triumph:"  
[X Link](https://x.com/anyuser/status/1871618283348410495)  2024-12-24T18:05Z [----] followers, 19K engagements


"This is the promised post of which banks have benefitted the most from the bleeding out of $WFC during the asset cap. Remember that this is free and took a lot of number crunching. Which is to say that maybe you could do better but it would take a long time"  
[X Link](https://x.com/anyuser/status/1882922283674853873)  2025-01-24T22:43Z [----] followers, 23.3K engagements


"$EFIN not reported yet but call shows 4Q 28% more than 3Q at bank level. Stock is +3% today; next ask is another +11%"  
[X Link](https://x.com/CorpusCol/status/1884624226964873296)  2025-01-29T15:26Z [----] followers, [----] engagements


"Maybe half a bank's costs go to serving customers. The other half is to process transactions and please the regulators. A merger allows the buyer to fire the second half. So a thrift like $WCFB or $GVFF that's losing $ has embedded value that's being paid out to employees"  
[X Link](https://x.com/anyuser/status/1885717859218620726)  2025-02-01T15:52Z [----] followers, [----] engagements


"I was told there would be bank mergers announced after 4Q results"  
[X Link](https://x.com/anyuser/status/1891927321839341924)  2025-02-18T19:06Z [----] followers, [----] engagements


"@Aureliusltd28 We could make the most beautiful toasters. People come up to me and say "Sir with American toasters we could toast thicker pieces of American toast which would hold more American jam". They took that from you. I will bring it back"  
[X Link](https://x.com/anyuser/status/1907773863976386887)  2025-04-03T12:35Z [----] followers, 20.3K engagements


"If you're selling $HBAN -8% today you should not be managing other people's money. Or owning bank stocks. The bank was founded in [----]. This too will pass"  
[X Link](https://x.com/anyuser/status/1907796872510534130)  2025-04-03T14:06Z [----] followers, [----] engagements


"Once again time for my quarterly list of banks with worsening loan quality. This is all banks with $1B+ in assets that are publicly traded with a ratio that's [---] bps worse in any category. I took Restructuring Loans out this time since I saw data that didn't foot. 🧵"  
[X Link](https://x.com/anyuser/status/1918985430420136303)  2025-05-04T11:05Z [----] followers, 30.3K engagements


"Five banks bought by public banks MTD. All sellers have ROEs 10%; most were in the teens in [----]. I'm aware of two other deals that have yet to announced - similar profile. The roundup of the inept asset/liability managers is in full swing"  
[X Link](https://x.com/anyuser/status/1943465465667555382)  2025-07-11T00:20Z [----] followers, 11.5K engagements


"@hekwoys The impregnability of Constantinople made those civil wars less destructive than in the Western Roman Empire"  
[X Link](https://x.com/anyuser/status/1948075060918464767)  2025-07-23T17:37Z [----] followers, [----] engagements

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