Driving the CBus | Convert audio-to-text with Sonix

Brett Johnson:
So Scott, a non-profit you, or Heartland Bank likes to support. Tell me about it.

Scott McComb:
Yeah that's … How much time do we have? That is a extremely large question. Part of what community banking is all about is focusing on the community, and what is needed in the community. Because of that, we are sponsors, and supporters of well over 100 nonprofit organizations inside of Central Ohio, and on a national basis.

Scott McComb:
Some of the larger ones I think that we have supported is we are a big supporter of the USO of Central and Southern Ohio – "We're the Force behind the Force" – that are armed-forces men, and women in active duty service.

Scott McComb:
Our big mantra for the bank on an annual basis … We have a golf outing that supports children's charities. We firmly believe in the principle set by Colin Powell. The little red wagon concept that he had, about 15-20 years ago, where, if you can invest in a child's- early-childhood-development type causes, you can make a serious impact to their lives.

Scott McComb:
That brings us to all kinds of different charities that we've supported over the course of time, whether it's Junior Achievement, or whether it's the Lutheran Social Services, which is a very diverse group. Everything from Meals on Wheels, to childhood development, to reading, and workforce development, to … Victory Ministries is another one that we've supported. The Ohio Dyslexic Learning Center for children with dyslexia. That's hard to say, today, for whatever reason. There's just a whole host of ones that we've covered. Special Olympics … I couldn't list them all.

Brett Johnson:
Sure. That sounds good. I think there are certain categories of businesses that are obligated, almost. It's a good thing to do, and you know you need to do it. It's not one of those, "Hey, we've got to do this now" No, We've gotta do this." [cross talk].

Scott McComb:
Community banking is about taking capital inside the community. We take deposits, and investors that are willing to give us their capital, so we can provide them a return. Those are our shareholders. Then, we take depositors' money, loan it out locally to businesses, and it becomes this perpetual circle.

Scott McComb:
One of the things that is super-important is benevolence. Making sure that there's a food pantry, and that the food pantry has the resources it needs, in every community that we serve; things like that. It's just what community banking is all about.

Brett Johnson:
Right. Let's talk a little bit about your professional background, and history up to this point.

Scott McComb:
Sure. I have a very different background than most folks in my business. I'm an entrepreneur in the banking world. My father was a career banker; started off in a finance company, then got into community banking, here in town, with the Grove City Savings Bank in 1967.

Scott McComb:
That's when we moved to town, and I was one years old. I was born in Ironton, Ohio, and came up here … My whole family's from West Virginia. We are hillbillies, and the rest of the family's still living in the trailer behind the house in the holler. That's just the way it happens.

Scott McComb:
We were lucky enough to make it out of there, through the power of 4-H. My father actually made it out of the mountains, because he got a scholarship to Marshall University to be the captain of the livestock judging team … He majored in biology. Very eclectic background, there.

Scott McComb:
My background: we moved to Grove City, Ohio, here, and my father ran the Grove City Savings Bank for a guy named Jack Havens, who is one of the founders of modern-day Columbus, really. Chairman of Bank One; Chairman of the Ohio State University. He worked for him, and George Gestos.

Scott McComb:
Anyway, long story short, I finished high school. I was in college. Went to Grove City High School. Went to Ohio State … I was either gonna go to Ohio State, or go in the Marine Corps, because I was kind of a troubled youth. I was never really in trouble, but I liked to have fun … I think we've all been there.

Scott McComb:
I went to Ohio State, and I majored in High Street, and High Street was-

Brett Johnson:
I've heard that twice now, on my podcast.

Scott McComb:
Yeah, High Street is a great place. You learn to budget. You learn to love. You learn to fight. All those great things, right? I majored in High Street. Never really even declared a major, until I went back the second time, frankly.

Scott McComb:
When my father got to a certain point, where his bank was sold – he was working for a larger bank – he started Heartland Bank, and he was going to start Heartland Bancorp from scratch, and buy another smaller bank, and change the name to Heartland. That's how Heartland started.

Scott McComb:
When he did that though, he realized … He had a big epiphany moment in his life, where he said, "You know, really, Scott, the only way to wealth, to true wealth, is to own a business, and to earn money through equity; earn capital through equity. You can't really save your way to wealth, and to financial independence. It's just extremely difficult to do that."

Scott McComb:
He encouraged me to start my own business, as well. I was, again, majoring in High Street, and he helped me … He helped me start a home and business monitored-security-system company. I started that when I was 20. I ran that for about 10 years. It was called PFM Alert Systems. That standed for Police, Fire, and Medical Alert Systems.

Scott McComb:
That sprouted a couple other things. I sprouted a janitorial business, because I didn't make any money in the security business, for the first four or five years. To pay the mortgage, I had to clean other offices, and it just so happened, he needed a janitor at the bank. My first job at Heartland Bank, I was the janitor.

Scott McComb:
I cleaned the office in the Grove City office. Then, we had a Wilson Road office; then we had a 161 Frantz Road-Dublin office. I cleaned that. I had three or four different cleaning jobs. Then I started contracting out for other cleaning jobs, and that became a whole business, where I had employees, and 1099 contractors, and that kind of stuff. Meanwhile, the security business continued to thrive, and do really well.

Scott McComb:
I took the proverbial quarter off of High Street, at Ohio State, because reality was hitting me in the head, and I was doing … I was starting to do well. I was starting to turn a profit, and do those things, so I dropped out of school, and I just ran my business.

Scott McComb:
Did really well for about 10 years in that business. I was offered a number to … Was approached to sell the business, and they said "Well, just write a number on a piece of paper", and I wrote a number on the piece paper. and they took it; and I thought, "Damn, I should have probably asked for more money!"

Brett Johnson:
One more zero! Why not one more zero? Yeah, right.

Scott McComb:
My gosh, what did I do? Anyway, I went to work …I sold the business; did really well. Paid off all my debt. Put away money for the kid's college education. Went on to work for corporate America, with a company called Vector Security. Vector's one of the top three, probably, alarm companies in the nation, and a very, very good company, but you can't own any of the company; no one can own any of the company.

Scott McComb:
It's actually a wholly owned subsidiary of the Philadelphia Contributionship, which is the very first insurance company that was started by Benjamin Franklin in 1752. Goes way, way, way, way, way, back, and no one owns any of it except for the Philadelphia Contributionship. They paid me very well, but it was very disenchanting, because I wasn't building equity again.

Scott McComb:
I was going to start something else. I gave them three months' notice, and said, "Guys, this has been great. You paid me really well; took care of me, but I really gotta build equity, here. I've learned the only way to true wealth is through owning a business, and creating equity through sweat equity, and creating values."

Scott McComb:
I left there, and I was going to start something else. My father and I were on a golf trip in Orlando, Florida, and we're sitting at the bar having a Jack Daniels. That's what him and I like to drink, and what we drink together. I said to him, "Hey, is there anything I could do for you at the bank?" and he said, "Let's talk about that."

Scott McComb:
He laid out a whole plan of what I would do at the bank, and he agreed to give me a salary, which was 50 percent of what I was making at Vector Security, but I had no experience in the banking business. I said, "Okay, great. Let's do it."

Scott McComb:
I joined him at the bank as the Director of Internet Banking. We launched – very first thing that was in the technology world – driving, launching an internet bank, or the internet portion of the bank, in 1999, which was pretty revolutionary back in 1999.

Scott McComb:
I started there, and my entrepreneurial skills that I had learned in the previous decade really just kicked in, in the banking world. There's not a lot of entrepreneurs in the banking world. It was very easy to go in, and make common-sense decisions, work circles around folks … Entrepreneurs work 10-12 hours a day. That's what they do every day. Bankers not so much; bankers are usually [cross talk]

Brett Johnson:
The banker hours come true.

Scott McComb:
-working the banker hours. Not so much anymore, but back in that time frame, that's the way it was. I joined the bank, and I never really gave up any responsibility. I learned the business. I was a teller for a while. I was the worst teller on the planet. I have dyslexia, so I transposed numbers, I can't read really fast, unless it's a financial statement, or something like that. If you threw a box, opened up a box of matches, and threw 'em out, I'd get within five of how many are on the table, just guessing. I have that going on, as well, which is confusing, and exciting at the same time.

Scott McComb:
I came through the bank, and I kept getting promoted, and taking on more responsibility. I'm a natural salesperson, and I love to build relationships, so, that worked out really well. I ended up becoming a loan officer, and getting a whole portfolio of customers that I brought into the bank.

Scott McComb:
Then, they made me the Chief Operating Officer of the bank, like seven years after I joined the bank. I thought to myself, "Wow, if I play my cards right, they might let me run this place." Because I knew my father was gonna retire … I'm coming up through the ranks, but I didn't have my degree. I'd promised my mom, before she died – I lost my mom very early – that I would finish my degree one day.

Scott McComb:
I put those two things together, and I decided this is the time to go do it. In 2007, I went back to school, and was running the bank as the bank's Chief Operating Officer; also, during the financial crisis, and then, I was going to school at night in Ohio State. I ended up graduating in 2009 [cross talk] Thank you. I'm very proud of that. It was a lot of work, a lot of dedication.

Scott McComb:
Then, I guess in between there, I went to the Graduate School of Banking at the University of Wisconsin. That was in the early 2000s, it was like 2000-2003. A lot of education there. That's really where they teach banking there. You don't learn it in college, you learn it when you get out in the field, and in multiple other schools, and in courses, and things in the banking world.

Scott McComb:
My philosophy is that I never stop learning. I'm like a sponge. I'm afraid that I'm going to fall behind by not constantly figuring out how I can make myself better, or how I can find the next thing for my team to execute.

Scott McComb:
That's my background. It's a lot different than what you'd hear from other folks. Whenever I tell other bankers that, they can't believe that … They just can't believe it. They're like, "Oh, my gosh, no wonder!" So much things make sense, after that point-

Brett Johnson:
Sure. Sure.

Brett Johnson:
-because we don't run our bank like a bank. We run it like a technology company; like another business. If we want to run in herds with the other banks, then that makes what we deliver a commodity. Most people think banking is a commodity. I've discharged my team with going after the three or four percent of the population that understands value, and if we get those folks in the door, then we've successfully doubled the size of the bank, and we're probably doing pretty well.

Brett Johnson:
Exactly. Let's go into why a podcast for the bank. What were you thinking about?

Scott McComb:
Well, again, podcasts are hot. People want to understand. They want snippets. They don't want an hour long, or they don't want two hours long; a dissertation on this, or that, or the other thing, but they're very interested.

Scott McComb:
The population now understands that knowledge is at their fingertips. Well, that didn't happen … That's only been there for about 11 years, 12 years … The advent of the iPhone, or the iPod. Besides that, you had the internet, and podcasting really wasn't that popular, because it wasn't convenient. You had to be sitting at your desk.

Scott McComb:
Well, now, if I'm running, I can listen to a podcast. I'm out doing sit-ups, or I'm out fishing; I'm out knitting, I'm doing whatever … I can educate myself. I think there's a whole class of people, a large portion of the population, that has that same desire that I have. That, "Hey, what am I missing? What else can I … How can I stimulate myself, besides sitting in front of the TV, and have somebody lie to me, or try to change my opinion on something, or whatever? How can I educate myself, and maybe understand culture better? Maybe reach a new level of enlightenment?"

Scott McComb:
I think that's what podcasts do to folks, so, I thought that it would be really cool to have a podcast, where we could pump the bank a little bit, but it's really not about the bank. People don't want to be sold anything, right? That's just not what people want to be sold. They want to confirm their decisions. They want to be enlightened.

Scott McComb:
Moreover, I wanted to let people know, because Columbus is now this hot … One of the hottest cities east of the Mississippi. I wanted everybody to understand why, and how it got that way. That was the whole part of Driving the CBus. Who is driving the CBus? Obviously, CBus is Columbus, but who is driving it, and how did we get here? It wasn't by accident that we got here.

Scott McComb:
I've been in this town all my life, and when I have people grow up, younger folks in their 30s, they don't know Jack Havens. They don't know what the Ohio Sports Commission does. They don't understand the place of Kip Morse, and the Better Business Bureau, and what they've done. They don't understand local radio, with Randy Malloy, and CD102.5, and what they've been fighting.

Scott McComb:
I just thought it was a really good topic to start off with. That was our first line of topics. Now, I think we're shifting to where we're going to talk about just business in general, and then some other things that are happening in central Ohio, and try to keep it going.

Brett Johnson:
You got a team around you thinking about this, brainstorming, or is it just you, solo, going, "Hey, we're gonna do this … We're gonna do this …"?

Scott McComb:
We have a little bit of a team. I was the impetus of the whole team. We have a really crack marketing team. My assistant, Tracy Bayles, is really a crack person, and helps out a lot with me brainstorming stuff.

Brett Johnson:
By the way, she's in the room, folks [cross talk]

Brett Johnson:
Yes, she is here, and she just winked at me, so, it's cool. Then, my daughter Kailyn really helped us. She was the producer of Driving the CBus. She has really had an impetus there. We also have a group called Distribution Strategies, which is led by a young gal, named Ashley Trout. Ashley is one of the most creative people in our company. She is able to take all the wild ideas that I come up with, and boil them into value, and then execute … Her, and her group executes that value. She's helped me out quite a bit, as well.

Brett Johnson:
Well, good. From first thought of the podcast to open mic, and recording, how long did that take for you?

Scott McComb:
It took about two and a half months. We read some white papers on how to do podcasts; we listened to some podcasts. We had a little focus group – inside the bank – of people that listen to podcasts regularly, about what they like, and what they don't like.

Scott McComb:
We read one paper, I can remember it was the impetus, I forget the name of the author who it was, but basically said, "The most important thing is don't script it. It can be about anything. It has to be in a manageable amount of time, and the most expensive thing that you should really focus on is a really good microphone."

Brett Johnson:
Right.

Scott McComb:
Those are the things we took to heart, and I created the questions that I would ask. I created … Sent those out to our folks, and I created our first 10 or 12 guests. Kailyn produced them, and then off to the races we went.

Brett Johnson:
How hard was it to get those first guests, when you didn't have a podcast produced, and you're calling them, going, "I want you to be a guest"?

Scott McComb:
They were so excited. They were just excited to be part of it. The whole idea that I had was to obviously do things not only to tell the story, and all that, and you try to help the community, but you're obviously trying to help yourself, as well. If there's no reward, or some gratification, or some way that it helps, then what are you doing with your time? We live in that kind of society.

Scott McComb:
I actually hoped, and we actually were able to accomplish, where we could take our social media circles, and promote the podcast, and we were hoping to marry up with their social, the guests' social media circles, and maybe we'll meet somebody new. Maybe somebody will learn something different.

Scott McComb:
It's so inexpensive. It doesn't take a lot of time. There is a craft behind it, and frankly, it's becoming even more, and more eclectic over the course of time, with cameras, with all kinds of things, where people can look, and see … I actually drove to Cleveland to watch a podcast of things you should know, which is super-popular. There's millions of people that watch things, listen to things you should know. She wanted to go and see the podcast, so she drove up there with a friend to see the podcast that I thought, "Wow, you know the podcasts have arrived, when someone's gonna drive two and a half hours one way to check it out."

Brett Johnson:
Yeah, and I think we're dealing with a generation that's never experienced … You and I are at the cusp of it. We can listen to old radio programs. That's what they did. That was the entertainment form at the time, but, I think it's really cool that it's going back to that, that somebody will drive, or spend money to sit in an audience, and watch two people talking, or three people talking behind a table, and be entertained. Simple as that. It amazes me that it's come back to that again. I think it's great.

Scott McComb:
I think the death of cable is upon us. Really, it is. I think that the sitcom … I think the lackluster of Hollywood, all those things are … people have better things to do with their time. Now, we have books on tape. We have all kinds of things. I think the more nonfiction type entertainment models, and inputs are really coming on with this generation.

Scott McComb:
The millennial, everyone wants to throw the millennial generation under the bus, about, "Oh, they sit in the basement, and play video games, and they're living here til 35." That's not true. There's a very, very, very, small group of the millennial generation that are doing that.

Brett Johnson:
There's been a piece of every generation that did that.

Scott McComb:
That's right. Exactly.

Brett Johnson:
Every generation. Yeah.

Scott McComb:
Exactly. That's just wrong. Frankly, we hire a lot of millennials that are at our bank, and if we can get more, and more of them, that's what we want to do. The fact the matter is they are very focused. They do treasure their time, but because they can use technology … They grew up never having to change a channel, to get up to change a channel. They're not afraid of the technology, so they can run rings around us baby boomers, and X'ers. They're just three times more effective with what they can do with the tools. They don't need as much time to get the same stuff done. Let's face it.

Brett Johnson:
Right, and looking at it as tools, too. They have that recognition, where X'ers, and Boomers are going, "This is so fun, I'm getting sucked in …" It's like, "No, it's a tool. Stop!"

Scott McComb:
Well, that, and also women in the workforce. I'm a big proponent for single moms, and for just women, in general. They are able to handle so much more on a different level, emotionally. I don't know how to explain it, but they're just more effective. Now that we're having more, and more women in the workforce, I think we're finding that we have … If you take those tools, and you put them together, a more decisive, focused workforce with technology, no wonder we have all the productivity we have, and we're chasing inflation that we can't ever get.

Brett Johnson:
Right. Yeah. With your busy schedule, how did you figure out a publishing schedule? How many times per month? Every week? How did you figure that out? What did you want to do?

Scott McComb:
My schedule was very hectic, so, what we were able to do, though, is do it in spurts. I would set up three in a row, and do three in a row; produce them. Then we would wait to launch them. We did them in spurts, when my schedule would allow.

Scott McComb:
Summertime is a decent time to do those. The spring and the fall are usually very, very busy with travel for me, because I have some national positions. Then, the Winter, I like to spend some time in Florida, and get out of these Ohio winters. We were able to do them in spurts, and I think we had a total of maybe five recording sessions for 12 podcasts, and it worked out pretty well.

Brett Johnson:
I think a lot of podcasters do a batch recording. It's just easier; it fits the schedule. As long as it's not time-sensitive, it's okay. It works out just fine.

Scott McComb:
It's not time-sensitive, but, that's the thing … If your topic is about current events, though, then it's-

Brett Johnson:
Can't do it. Right.

Scott McComb:
You can't do it, and if you're gonna do something, have segments about current events, and things, then it wouldn't work out so well.

Brett Johnson:
Any references to it, of-

Scott McComb:
That's right.

Brett Johnson:
"This coming summer …" Oh, gotta edit that out.

Scott McComb:
That's right. Exactly.

Brett Johnson:
But it happens, yeah … You talked about social media, between yourself, as well as guests. What was the social media strategy, at least for your podcast? Which channels to use? Which social media has you've seen work real well, and maybe ones like, "Nah, kick that to the curb; it's just not working"?

Scott McComb:
We're very active on social media, primarily for the bank, on Twitter, LinkedIn, and Facebook; not so much on Instagram, and not so much on Pinterest. We've really used those three things along with our website. We have a lot of customers, because they're doing internet banking, and paying bills, and checking their balance. Very active website.

Scott McComb:
We were able to push those things out on those mediums. Never really did a press release, per se, we just wanted to put it out there, and let people start to see, and see what kinda reaction we got. Obviously, we wanna maintain our reputation risk as a financial institution.

Scott McComb:
It was very important that Scott didn't get out there, and say something that would offend people that are depositors, or whatever. We wanted to be very sensitive to that. At the same time, I think my customers, they bank with us because they know who we are, and we're very transparent; we're just going to say what we feel, and we believe everyone else should be able to say what they feel – no big deal.

Scott McComb:
Those are the mediums that we really chose, so, we drove those … A very regimented preemptive announcement for each launch. One that's gonna launch on Saturday, we would hit the media, hit all those mediums, and say, "Okay, this is coming on Saturday", and then maybe one or two more posts about that coming up, and then it's live. Then we're back into square one, again, waiting for the next episode to be launched.

Brett Johnson:
Yeah. You're using YouTube as, basically, the platform. I wanna know, why did you choose YouTube?

Scott McComb:
Well, it's just where we had videos already. We have various interviews from me, and other mediums. What we would hope is that because everything was already there, that they would see this, and then maybe go to see some other things that had to do with the bank, and get to know us, and what a community player, and a community supporter we are.

Brett Johnson:
Gotcha. Your current setup for "studio," what's it like? Describe it.

Scott McComb:
It is basically the Amerine Conference Room at Heartland Bancorp. It's just a basic conference room; not a big one. We don't do anything special. My daughter Kailyn plugs in microphones into her laptop; we have two microphones there that are $150 a piece. That's our total cost, and a little piece of software, and that's it.

Brett Johnson:
Yeah, good. She does the editing, as well, then, too [cross talk]

Scott McComb:
She does the editing. We try not to do a ton of editing, because we really want it to be real, and conversational. I think podcast listeners understand that … They don't want it to be too scripted. They want people to speak off the cuff, and talk about things that come to their mind, and be very genuine in their delivery of the material.

Brett Johnson:
Sure. What are your biggest challenges in creating the podcast?

Scott McComb:
Biggest challenge is my schedule, and lining up with Kailyn's schedule, because that's not what she does full time. This is an add-on to her thing. We really don't have somebody that we've hired to specifically do this, that does that for a living, and such, and so forth. That was a big challenge, getting it going.

Scott McComb:
Another challenge of getting going was getting buy-in, internally. I do a lot of things where I don't have a lot of buy-in, because I think that I'm going to create the buy-in. I lose as many times as I win, but I'm not afraid to lose, on the aspect that you have to take risks in order to win.

Scott McComb:
I think everybody knows that at the bank, that I'm willing to jump out, and do something new, to see what happens, and try it, and see how effective it might be. That was a little bit of a thing. People were like, "I don't know what that's gonna be about …" What kind of reputation risk do we take? "What's he gonna say?" Nobody ever knows what I'm gonna say, and I kinda like it that way. Those are a few things.

Scott McComb:
Besides that, we really didn't have any challenges. It was very smooth, and once we did the first couple episodes, people were like, "Hey, when's the next one? What's the next one gonna be about?" or, "Hey, here's a suggested guest you could have …" "I really like this." We got a lot of feedback, a lot of likes; social media really took to it. I think we really accomplished what we set out to do.

Brett Johnson:
I think that leads into the next question about advice for businesses, not necessarily in the banking industry, but any business interested in podcasting – from your experience, what you've had to do internally. Not, again, businesses that are like yours, but they're going to run into those walls of internal, "Uh, do I really wanna do that?" What advice would you give?

Scott McComb:
Well, a lot of folks'll say, "Well, geez, you only had 35 people listen to that. That's not very much". Well, have you ever done direct mail? You're gonna send out 5,000 things, and you might get 10 phone calls. That's better than direct. mail, and it's cheaper. Before you shut the door on it, and you decide never to do it, why not try it?

Scott McComb:
I think the big thing is that they have to have a commitment to it, to keep it going over time. Even if you did one or two a year, or three a year, and you're talking about your business, and what you did, and everything else, there's nothing bad, I think, that can come from that, unless you get too political, or if you- with your business … Maybe your business is only gonna cater to people on the left, or whatever. That's fine if that's an angle that you're gonna go for, but you do take some risk in that regard.

Scott McComb:
Besides that, I really don't see any downside to people telling their story. Because, especially, in Columbus, for instance … In Columbus, people support local ventures, and they wanna know your story. Part of what we even tell our Heartland Bank associates is, "Go out, and tell your Heartland story. This isn't a mechanical thing. You're helping make this story over the course of time. Go tell your story, and people will become believers."

Scott McComb:
I truly feel that any business can do that, as well, if they are ethical, if their associates are taken care of properly, and they have a positive attitude, and they have the utmost in integrity. I really think you could take this medium. and make it work for you.

Brett Johnson:
Yeah, because you can't fake what you just did. You can't. It's from the heart. Yes, there are actors that can put on the voices, and such, but we're not actors. We've not been trained to do so. I think the inhibitions come down, and you just want to talk, and talk about yourself, and talk about the story, and talk about helping people, for the most part.

Scott McComb:
Right. They definitely don't have short, fat, bald, actors. That's for sure. I would not be an actor.

Brett Johnson:
Without giving away too many secrets, possibly, maybe a vagueness … Some future plans for the podcast? Where do you want to go with it [cross talk]

Scott McComb:
I'd be more than happy to tell we're going. We're an open book. Where I want to go is I want to find someone to help us to be more professional in putting it on. I'd like to true it up a little bit more, with taking on a challenge of going to some of the other things, like, if we had a video thing of it, a video portion of the podcast. Not every one, maybe, but certain ones.

Scott McComb:
I would love to talk about different strands of conversation. Not just about Driving the CBus, but taking Driving the CBus as an impetus to have some conversations that have different threads, whether that's an industry thread, whether that's a local thread, maybe that's a national thread, maybe it's a nonprofit thread, who knows? Just some of the things that I'm involved with to be able to help the people that we associate with continue to grow their communities, and get the word out, and talk about their challenges, and their victories. That's our next step.

Scott McComb:
We're trying to … I think we figured out that we're going to take it not only to a business segment, where we're going to talk to our customers about their business; not about how they bank, but about their business, and challenges they have with their business, and successes, and what works, and what doesn't, that kind of thing …

Scott McComb:
As well as a more industry-focused piece that would be a different angle. That'd be maybe even a separate podcast, where we talk to industry experts, and service providers, and that kind of thing, just about what's happening in the business, and appeal to the banking community as a whole, on a national level.

Brett Johnson:
I think any way you can peel away some mysteries of what banks can do, whether it's the B2C, or the B2B, it's good. Again, this will time this podcast, but just with the school-admissions scandal. That stuff happens because there are so many layers of mystery.

Scott McComb:
That's right. That's right. Well, yeah, I don't know if we wanna get started on that. It was just nice to see the IRS, the FBI, and the Justice Department actually take some people down that are breaking the law. Not only breaking the law, but they're just dishonest. These are people that don't have to do it.

Brett Johnson:
That's what's the head-scratcher about it is-

Scott McComb:
It just is amazing-

Brett Johnson:
-that's exactly right.

Scott McComb:
I'm gonna ruin my life, and my kids' life, and everything else, just because I wanted them to have this status. They can buy status, right? They have [cross talk]

Brett Johnson:
Yes, they can. For the amount of money that was being thrown around, they could have donated to get their kid in … Ultimately. Really.

Scott McComb:
Yeah, it's crazy.

Brett Johnson:
I think this forum helps bring back those layers that, then, you can understand the banking business.

Scott McComb:
That's right.

Brett Johnson:
There are a lot of misconceptions about it, and I think podcast is a really good way-

Scott McComb:
Oh yeah.

Brett Johnson:
-to bring back saying, "You know what? I remember Scott talking about that on his podcast."

Scott McComb:
That's right. Well, you know what it's about? We find our customers, all the time, just don't understand the why. They need to understand the why. When we go to talk to folks about banking, and such, and so forth, we're not in … We're just not going to come back with a yes or no. I never want to come back with just … I fight that every day, as the bank gets bigger. Our culture is the most important thing to us, and to our board of directors. As soon as that changes, we're going to have issues. I'm not going to let that change.

Scott McComb:
We want to go, and tell customers how it can be a yes; not a no, but how it can be a yes, because they have to get that from someplace. They're not getting it from their accountants; they're not getting it from their suppliers, and everything else. They have to have somebody telling them, "Look, this is what has to happen for you to get to the next level."

Scott McComb:
Me giving them more money could be the nail in the coffin. That's really … I could kill somebody with a loan, just a company, with a loan, just as soon as we can help somebody with a loan. That's really what we want to try to provide folks. I think that the why behind banking is … It would be very, very revealing.

Scott McComb:
Right now, the history books are being written wrong about the financial disaster, for instance – how it occurred, what happened, the big bad [TARP]. That was just such a bad thing. All those are … That's all fiction. I lived it. I was going to Ohio State, after majoring in High Street. Remember, we talked about that earlier … All through that section, that would be a whole 'nother … We could do something on the financial disaster, with people that lived it, and say, "This is how the Big Short occurred," and it would be fascinating [cross talk] and it's not what you see on TV-

Brett Johnson:
You'll have a following for it; people love that stuff that was not covered properly. They love it.

Scott McComb:
That's right.

Brett Johnson:
They love it. We're in a generation that that instant information is there, that you can google it up, and find what you hope is the truth, or at least differing views. Then, it's up to you to come up with the right stuff in your mind, whatever you wanna believe, yeah-

Scott McComb:
That's right. Getting it from the people who lived it, I think, is about the most real way you can get that information.

Brett Johnson:
Exactly. Exactly.

Brett Johnson:
In today's world, it seems like … In one of my podcasts, I was interviewing someone from the media. They'll remain nameless. Somebody does their homework, they can find out who it is. The fact of the matter is that person said to me … I said, "What do you think about what's going on in the media these days? What's happening to journalism?" He says, "What do you mean?" I said, "Well, I mean it seems to me like everybody … Everybody that has an interview has a preconceived notion, and they're asking questions to validify their preconceived notion." He said, "Oh, that's the way they teach … That's why they've teached journalism for the last 20 years."

Scott McComb:
What happened to reporting the facts? He says, "Well, that's not what it's about. Journalism is about developing an axiom, or a thought, or a theorem, and then proving the theorem through your questioning." I said, "That's not journalism. What happened to …?

Brett Johnson:
That's muckraking, ultimately, yeah, I guess-

Scott McComb:
Anyway, that's what he said, and I didn't want to queer the podcast, so I'm like, "Okay, we're not going to do that." We changed the topic, and went on to something else.

Brett Johnson:
That's interesting. Again, I think that's unique [inaudible] as a podcaster. You can go down a rabbit hole, which we're doing right now, which I have no problem with at all, because it validifies what this whole thing's all about.

Scott McComb:
That's right.

Brett Johnson:
It's just interesting conversation. Find out more about you; find out more about … I want to listen this podcast, now. Scott sounds like a pretty good host. They must be pretty good. You've referenced a couple … That's the thing. That's what it's all about, as well as being a proponent, with my radio background, as well, too, it's just a really easy-access forum to talk to your future, or current customers, too.

Scott McComb:
That's right [cross talk] It's all about relationships. The world's about relationships. People want to do business with folks that they know, like, and have respect for, and can [cross talk] have trust. That's what it's all about.

Brett Johnson:
Well, thanks for being a part of the podcast. I really appreciate it. It's good to know you better, about where the podcast has been, and going. Our listeners at least can have an opportunity to know what to expect in the future, too, which is fun.

Scott McComb:
That's great. It's been a pleasure being here. I love your studio, everything that you've got here is great. Promoting, the whole basis of this podcast, was very interesting to me, because it really hit me as being, yeah, I would love to talk about that. I did it. It was easy. It was … It can open up doors for you. I appreciate being able to tell my story. Thanks very much.

Brett Johnson:
You bet. Thank you.

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