Private thinking for bank leaders who value clarity before pressure arrives.

This is a private weekly note written for community bank CEOs, directors, and senior leaders.

It’s not commentary on the news cycle.
It’s not deal gossip.
And it’s not written to be shared.

Each edition explores how strategic value, timing, optionality, and leadership decisions actually work in community banking — long before those questions become public or urgent.

Most readers have never sold a bank.
Many will only face those questions once.
This newsletter exists so they don’t have to think about them for the first time under pressure.

The note arrives Saturday morning.
It’s free.
And discretion is respected.