All of the banks we talk to, for the most part, live and die by their spread. And I will tell you right now – same bank, same management, same yield curve, same products – 20 years ago kicks its butt on a spread perspective. It’s not even close. The business has been commoditized.”Scott Hildenbrand, Head of Piper Sandler Depository Fixed Income and Chief Balance Sheet Strategist, joins Travillian co-hosts Brian Love, Head of Banking & Fintech Search, and Michael Perito, Head of Bank Strategy, to talk about why traditional playbooks aren’t working anymore and what kind of leadership banks need going forward.He shares what he's hearing in boardrooms across the country: M&A is stalled, balance sheets are still upside down, and CFOs are under growing pressure to move faster and think more strategically. He also breaks down where AI fits into all of this and why too many board meetings still feel like “dentist appointments”.