Interested in Banking, Real Estate and Stock Market | SMU Alum | Louisiana Native | CCIM | Not Investment Advice
Dallas, TX
Joined January 2025
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A while back I built a dashboard just for myself: a quick way to compare community banks without digging through call reports one at a time.
Thanks to a few people who gave their time, feedback and funding, it's grown into a real website. Today Bank Value Hunter (bankvaluehunter.com) is live.
It's a free screener covering about 4,200 FDIC-insured banks, built on FDIC data. Every bank gets a 0–100 Hunter Score based on five numbers bankers already know: ROE, ROA, net interest margin, efficiency ratio and noncurrent loans.
Look up any bank, or every bank in a state, on its own page
Run a price-to-tangible-book calculator for public or private banks
Follow mergers and conversions, and see warning flags
Pro is $10/month for spreadsheet downloads and advanced filters, with a 5-day free trial and no card needed.
If you invest in or work at community and regional banks, I'd love your feedback.
Not investment advice.
"The Comptroller says more than half of US community banks have disappeared since Dodd-Frank. FDIC data: 3,818 community banks remained at mid-2026, down 35 in Q2 alone. See which ones are left in your state: bankvaluehunter.com"
BankValueHunter retweeted
We need more community banks, not fewer.
Before the 2008 financial crisis: New banks were frequently approved with $5–12 million (sometimes as low as $7–10 million).
After the Great Financial Crisis and Dodd-Frank: Regulators roughly doubled typical requirements (to around $20 million or more). Analyses put average or median post-crisis figures in the $25–32 million range.
Throughout the past decade, industry advisers and regulators have consistently treated roughly $20 million as the practical floor for most community banks, with many proposals required to raise more (often $25–50 million depending on size, market, and risk).
There has been no general reduction in this expectation.
Every previous wave of consolidation has been met with de novo bank creation. Community banks have always “disappeared” but new ones have always been formed to take their place.
The dearth of community banks is not organic. It is bureaucratically engineered.
BankValueHunter retweeted
Any censorship required by governments is now clearly visible
Today’s For You release is in the open-source repo.
Notable updates:
• How ranking weights actually work
• A new filter required for Brazil’s 2026 election
All the details: github.com/xai-org/x-algorit…
BankValueHunter retweeted
🚨 NEW: THE FRAUD LEDGER IS LIVE
$229+ BILLION uncovered - and counting. The first transparent public record tracking fraud, waste, and corruption exposed by the Trump Admin’s Task Force to Eliminate Fraud since January 2025.
ALL IN ONE PLACE 📲 Fraud.Gov
BankValueHunter retweeted
🚨 JUST IN: Treasury Secretary Scott Bessent just dropped a truth nuke OF THE AGES
"People don't want to admit it: where ICE goes, RENTS GO DOWN."
"Was it 10, 15, 25 million illegals? There's NO new housing stock. So you saw rents go through the roof."
Mass deportations solve almost any problem you can think of in your head.
Every. Problem.
@AndrewKolvet
BankValueHunter retweeted
I went to Dartmouth. It costs roughly $60,000 a year all in. I now build homes for a living. They cost roughly $350,000 to build.
Both of these numbers are completely insane. And they are insane for the exact same reason.
The moment the government guarantees a loan, the seller stops caring what the buyer can actually afford. College tuition exploded after the federal government started backing student loans with no underwriting and no discharge in bankruptcy. Home prices exploded after Fannie Mae and Freddie Mac started buying mortgages and removing risk from lenders.
When a bank knows it will get paid no matter what, it will lend to anyone. When the bank will lend to anyone, the seller raises the price. When the seller raises the price, the buyer just borrows more. Nobody feels the pain until the bill comes due 10 or 30 years later.
Colleges added $200 million rec centers and hired thousands of administrators because students were writing checks with money that didn't feel real. Home sellers listed at $500k because they knew the bank would approve it regardless of whether the buyer could sustain the payment.
I benefited from both systems. My Dartmouth degree opened doors. The homes I build get financed by these same banks. I am not pretending to be above it.
But I look at both industries from the inside and tell you they run on the same engine. A guaranteed loan that disconnects the buyer from the real cost of what they are purchasing. The university and the mortgage lender have the same business model. They are financing tools that happen to have a campus or a front door.
If the government removed the guarantee from the student loans tomorrow, tuition would drop 40% within five years. If Fannie and Freddie disappeared, home prices would correct in the same direction. The prices are essentially fake. They are a reflection of how much debt a bank is willing to issue, not how much the product is intrinsically worth.
I say this as someone who went to an expensive school and builds homes. Both systems are broken in the exact same way and nobody talks about it because too many people profit from the status quo.
BankValueHunter retweeted
"Sophie Night" is heading to another city as the WNBA becomes the next frontier for the "Save Women's Sports" movement.
After rallies in Seattle and Portland, XX-XY Athletics founder Jennifer Sey is organizing a rally outside the Indiana Fever's game in Minneapolis, saying support for Cunningham is growing after what she calls a positive turnout in Seattle.
"We just want to honor Sophie and thank her," Sey said. "It really is meaningful in this fight."
BankValueHunter retweeted
.@karolineleavitt is spot on in this viral video: “It’s very ironic and sad to see celebrities who live in gated communities with millions spent on private security, trying to demonize law enforcement.” She was right.
BankValueHunter retweeted
🚨 HOLY CRAP! Pro-amnesty Rep. Pete Sessions (R-TX) just got CONFRONTED for trying to let illegal aliens stay here
SESSIONS: This is about getting enough workers
LAHREN: I DEEPLY resent the idea family farms and ranchers must rely on illegal aliens or they aren't able to survive! To INSIST we need illegals to work for less and undercut American farmers, workers and helping hands, I DEEPLY resent that. 🔥
SESSIONS: You're the first person I've heard say that. We have tens of thousands of job openings right now in Texas, we cannot fill them. It's hard work, getting up at 4AM.
LAHREN: Congressman, AMERICANS are willing to get up at 4AM, sir, with all due respect! I deeply resent that assertion.
NAILED IT! NO AMNESTY EVER. Hire American 🇺🇸🇺🇸
BankValueHunter retweeted
🇺🇸 ONLY EIGHT DEMOCRATS! - Bill Maher did the math on his own party last night and it did not go well.
Two Democrat congressmen, Tom Suozzi and Adam Gray, put out a pledge called Promise to America. Three lines. We are capitalist, not socialist. We want safety, not lawlessness. We are proud, not ashamed of America.
That's it. That's the whole ask.
Eight House Democrats signed it. Out of 212!
Maher's punchline was that, "there has to be an easier way to lose the swing states!"
Sit with that for a second. Two hundred and four members of Congress looked at "proud of America" and decided that was a bridge too far. Not a policy. Not a spending bill. A sentence.
These are people who put their hand on a Bible and swore an oath to the country. Apparently saying you like it is where they draw the line.
Maher also said his vote is in play. When you have lost the guy who has spent twenty years explaining Democrats to Democrats, the problem is not messaging.
Eight out of 212.
You cannot poll your way out of that.
BankValueHunter retweeted
Scott Galloway on GLP-1: “They're now saying that it reduces the likelihood of stage one cancer going to metastatic cancer... by 50%... Everyone at this table is going to be on a GLP-1 within 24 months.”
BankValueHunter retweeted
Bill Maher read the DSA platform to a Los Angeles studio audience and they GASPED OUT LOUD.
Shocked by their own party's platform.
BankValueHunter retweeted
FRAUD IS THE NEW DOPE PART 2: NY Bodegas Caught Undercover Selling Alcohol Using SNAP & EBT Benefits
"Do you have beer?" "Yes."
"He's paying with the EBT card?" "Oh, yes."
"If you put it as food, they don't know it's beer." "Uh-huh."
BankValueHunter retweeted
FRAUD IS THE NEW DOPE PART 1: NYC Clerks Caught Undercover Processing EBT Cards For Drug & Alcohol Purchases As “EBT Cash” & “EBT Food”
“The [EBT] Cash Can Use it. 100%.”
"I did EBT Food."
“You're gonna be chilling with the aliens [Getting So High].”
BankValueHunter retweeted
🚨ABSOLUTE MIC DROP FROM ELON ON DOGE!!!!
Elon Musk: "ZERO died because of DOGE. Zero point zero!"
"When funding is stopped for a fraudulent organization, or for something do you think they're going to say,"Will you please keep funding the fraud!'
Or do you think they're going to come up with a sad story that sounds sympathetic in order to get the funding restored?
Obviously it will be the latter and that's exactly what they did!!!"
LIBERAL WHITE WOMAN: "The cuts certainly caused unnecessary suffering!"
Elon Musk: "No."
LIBERAL WHITE WOMAN: "You don't buy that at all?!"
Elon Musk: "It caused a lot of complaining!"
LIBERAL WHITE WOMAN: "You don't believe any kid in Africa died because of the suddenness with which...
Elon Musk: Zero! How many NGOs could step in? There are literally tens of thousands of NGOs. The Gates Foundation has FIFTY BILLION! What about them? What about any number of organizations?!"
ELON IS ON FIRE!!!!!!