Tom Michaud, the President and Chief Executive Officer of Keefe, Bruyette & Woods, is back! This time, he joins Steve and Al to answer the question bankers across the country want to know: How to compete with big institutions and non-banks.

 On the show, they get into common mistakes banks make, takeaways from KBW’s Winter Financial Services conference, and why they think the industry outlook right now is relatively positive.  While fusing industry insights with the beats of timeless tunes from U2, the White Stripes and a few other favorites, Tom reminds listeners: the stocks had a 35% rally from the end of October to year end.