Recent Posts
Social•Feb 21, 2026
Local Deposits Multiply Community Economic Impact
For anyone curious about how local deposits multiple dollars into the local community, dig out your old Econ 101 textbook or search for “money multiplier”. When you keep your $ in a local bank it feeds the local economy. The impact decreases the further away your deposit goes.
By Jill Castilla
Social•Feb 21, 2026
Erebor Claims to Be More American than US Banks
Love to hear how “more American” Erebor is than the 4,000+ US community banks. We’re certainly not beholden to foreign markets & our owners & customers are our neighbors. Wish them the best, but this is a really strange even...
By Jill Castilla
Social•Feb 20, 2026
Banks Cling to $10M Non‑interest Deposits, Risking Obsolescence
Ok, so somehow banks are going to retain a single customer's $10 million in noninterest bearing deposits? Like not pay someone any interest & they'll stay with the bank because they have FDIC insurance? This is such archaic thinking &...
By Jill Castilla
Social•Feb 20, 2026
Fee‑Free Accounts Offer 3.61% Savings, 2% Checking
We're fee free and paying high yields here. I'm not worried about the competition, I'm worried about local economies. 3.61 APY savings, 2.0 APY checking at https://t.co/HHwXUb7kB6
By Jill Castilla
Social•Feb 20, 2026
Stablecoin Advocates Push Government Loans Over Banks
Wow. Now stablecoin yield advocates are saying that government should provide loans to local communities rather than local banks. What could be wrong with that?
By Jill Castilla
Social•Feb 20, 2026
Local Deposits Multiply Small Business Lending, Not Government Debt
Local deposit ➡️ Local loan ➡️ Local growth A $1,000 local bank deposit can support up to $30,000 in #smallbiz lending over 5 yrs. The same $1,000 in stablecoin backs government debt. Local deposits build communities. Stablecoin reserves fund Washington. #banklocal
By Jill Castilla
Social•Feb 20, 2026
Stablecoin Payments Question Need for Traditional Rewards
If stablecoin is the future of payments, why do you need rewards? Are there FedNow rewards? ACH rewards? Check writing rewards? Wire rewards?
By Jill Castilla
Social•Feb 18, 2026
Gambling Addiction: The Top Financial Threat to Businesses
In my 2 decades in banking, the #1 financial villain is gambling addiction. It’s ruined companies, trusted relationships, marriages, credit, families, careers - talk w/ your people about their activities. Monitor your accounts for heavy ATM usage, online purchases.
By Jill Castilla
Social•Feb 16, 2026
Regulators Must Back Bank Innovation Faster Than Crypto Laws
For community banks to have a fighting chance, we must have regulator support of innovation. Even the smallest steps of progress are scrutinized as “novel”. VC Bowman’s efforts should help, but adoption of her new norm must be faster than...
By Jill Castilla
Social•Feb 14, 2026
Stablecoins Undermine Local Growth, Not Banks
Local deposits => local loans => local growth. For our 125 years, that formula has built a thriving community. Stablecoin outside of banking destroys local economic growth. The below post makes that clear. Banks aren’t threatened by stablecoin, our local...
By Jill Castilla