

The Findley Companies
Supporting the financial industry for over 50 years!

Financial Industry Advisors
Since 1965, The Findley Companies have been committed to supporting "Premier Performance" for California financial institutions.
The Findley Companies are composed of three separate, but highly integrated, service areas: The Findley Reports, The Findley Group, and Gary Steven Findley & Associates, which respectively provide performance reporting and analysis, financial management consulting, legal representation and financial institution ratings.
Findley Reports Banking Newsletter

For almost 60 years, The Findley Reports has published the Findley Reports Banking Newsletter, and we thank you for your subscription. I have written the Newsletter for nearly 40 years, taking over for my father in 1985, and over these past 40 years, the banking industry has experienced a considerable amount of change.
2025 marked the final year of publication for the Findley Reports Banking Newsletter. Going forward, we will continue sharing insights on the banking industry through a new format titled “Reflections.”
-Gary Steven Findley, Editor

Findley Reports Performance Criteria
Since 1967, The Findley Reports has been the foundation of the Findley Companies, providing valuable and accurate financial information to assist directors and managements in meeting the challenges and complexities of bank operations. The Findley Reports provides the banking industry with performance benchmarking through its annual designations of "Super Premier Performing," " Premier Performing," and "Commendable Performing" classifications.
Namesake
I recently had the opportunity to visit The Preserve, which is an elephant preserve outside of Fredericksburg, Texas that I have been involved with for well over a decade and have written about on several occasions in our past Newsletter. At least twice a year, I visit The Preserve to get some “elephant time,” at the same time to interact with the other animals that are there which include, giraffes, wallabies, kangaroos, emus, porcupines and tortoises. Hopefully, one day, there will be a rhino.
The Preserve is a special spot for me in the sense that it’s an opportunity to interact with the animals and get some much-needed quiet time. I encourage you to visit their website The Preserve | Fredericksburg TX | Animal Experiences and see all the interesting things The Preserve is doing. If you are ever in Fredericksburg/Hill Country part of Texas outside Austin and San Antonio, stop by The Preserve for a visit and experience the animals.
Over the last decade a group of elephant supporters have created The Friends of the Preserve which is designed to provide an educational forum for students, adults and underprivileged children regarding the importance of Asian elephants and interaction with these wonderful creatures. Twelve years ago, in conjunction with my wife, I worked with the owners of The Preserve to relocate from California to Texas where they could continue interaction with animals that was not permissible in California.
On my recent visit, I was honored with a namesake. The Preserve named one of the recent giraffe additions “Findley,” a two-year old giraffe who joins the other giraffes and who can be fed and interacted with as much as the elephants. At one time I was hoping to have an elephant named after me, but they are all females. One of the elephants is named “Becky” … we keep telling my wife she is named after her and there is another named Sofie which happens to be the name of my daughter in law who lives in Denmark with my son and three Viking grandsons.
As I was feeding the wonderful giraffe named “Findley,” the owners of The Preserve told me about how when Findley arrived at The Preserve, he was bulling the other giraffes. However, they fixed that issue quickly by castrating Findley. I suspect there are many of those who felt that would be a fitting act for my namesake Findley. Irrespective, the most important thing is I was honored with the gesture, and the attached is a picture of me with Findley.
Again, I encourage anyone who would like to interact with these special animals to take the time to visit The Preserve. I find going at least twice a year gives me the opportunity to ground myself and, also, to realize there are more important things than, basically, just balance sheets, income statements, board governance and regulatory agencies.
I hope you can visit The Preserver over the next year or so and see my namesake. He will enjoy eating lettuce from your hand.

Industry Experts Discuss Today's Existential Banking Challenges
This special episode brings together a powerhouse panel of industry experts to tackle the existential challenges facing community financial institutions (CFIs) today. In a banking environment shaped by market pressures, rapid technology disruption, evolving regulations, and shifting customer expectations, survival is far from guaranteed.
Moderator Curt Hecker, CEO & Executive Chairman of PCBB, leads a dynamic conversation with Gary Steven Findley, Esq., President of Gary Steven Findley & Associates; Aaron Donaldson, Financial Institutions Consulting Co-leader and Principal with RSM; and John Pietrzak, President and CEO of Devrai Capital. Together, they share practical strategies CFI leaders can put to work immediately — covering capital planning, board effectiveness, technology adoption, AI readiness, and more.
These insights are not just future-focused — they address what every CFI executive and director should act on now to ensure long-term relevance and resilience. This episode intentionally runs longer than usual, reflecting the depth and urgency of the topics discussed. To make it easy for listeners to dive in, chapters have been included for quick navigation. Listeners can choose the segments most relevant to their role or revisit critical advice.
The length, structure, and caliber of voices in this discussion make it an invaluable resource for anyone committed to shaping the future of community banking.
MODERATOR:
Curt Hecker
CEO & Executive Chairman
PCBB
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