How Recent Bank Failures Are Affecting Community Banks

As an academic whose research includes community bank funding strategies, Jon Scott has been tracking the recent runs and failures in the banking industry with a keen eye.  

And ear.  

One compelling comment he has heard recently: It may be time to add three more C’s to the traditional Four C’s of Credit Risk. 

Long understood to be capacity, capital, collateral, and character, the new C’s would be concentration, co…