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Issue 01

October 2026

Examines the business of earning trust in banking: how a Virginia bank lost it, how a Kansas family bank kept it while growing 66%, and why an NBA veteran is betting on it in rural Iowa.

Issue Contents

Letter from our Founder

By Will Lawrence
Page 4
Letter from our Founder

On the Nature of Money

By David Richards
Page 6
On the Nature of Money

Fintech Fiasco

By David Richards
Page 10
Fintech Fiasco

The Art of Banking

By Will Lawrence
Page 22
The Art of Banking

Of Whales and Agents

By Michael Hsu
Page 40
Of Whales and Agents

NBA Veteran Invests in Rural Iowa Banking

By Paul Davis
Page 48
NBA Veteran Invests in Rural Iowa Banking

Colophon

Published
October 18, 2026
Pages
60
Trim
9.08 x 11.58 in
Paper
Paper stock
Printer
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Masthead

The Standard is published quarterly by Bretton.
Founder & CEO

Will Lawrence

President

Natasha Vernier

Editor-in-chief

David Richards

Design

Jasmin Lily Mobasher

Photography

Gianpaolo Pabros

Copy editor

Christopher Amata

Contributions

Michael Hsu, Paul Davis

Printer

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