Analytics TX, LLC

Super geeky, Python code fix It took me 5 hours of breaking my head with Copilot and Claude to find a solution to a common Python graphs problem. They still failed to give me a usable answer and asked me to stop chasing this path. They insisted it couldn’t be done without imports and random experimental text placements. But, my math brain remembered that latex strings were formattable in Matplotlib, or the PLT library in Python without having to break or guess at the text location on a chart. So, here’s the solution I spun up within minutes of getting the idea. Again, when #CriticalThinking is required, #AI is not your friend. I just feel like an idiot for not trusting my own gut and experience in the first place and wasting 5 hours!! -Dr. Kruti Lehenbauer #python #math.

What is your margin for bad decisions?  Most exec teams treat “margin of error” like a stats exam term.   In reality, it is a leadership decision about risk.  Remember, it is not a game of "Eeny Meeny Miney MOE"! Margin of Error (MOE) is not just math.   It is your buffer against costly mistakes.   Every forecast, Net Promoter Score (NPS) survey, pricing test, or brand tracker needs one.  You never know the true population value.   You only see a sample.   Margin of error defines the range where the true value is likely to sit.   Ignore that range, and you overreact to noise or miss real shifts.  Actionable Suggestions for SMBs:  1) Budget allocations: If campaign A beats B by 1 point, but the MOE is ±3, they are statistically not different.   * Action: Re-test or increase sample size before making budget shifts towards A.  2) Customer Experience and Net Promoter Score: If NPS “drops” from 45 to 42 with ±4 MOE, your customers have not really changed.   * Action: Hold off on redesigning the whole journey. Focus on signals to check if there are consistent moves beyond the MOE band.  3) Pricing and product tests: Running small tests with tiny samples gives you very wide MOE.   You think you are being “lean”, but you may really be buying false confidence.   * Action: Design tests with enough respondents to narrow the MOE to a business-relevant level.  4) Executive reporting: Boards hate surprises more than bad news.   * Action: Show the number, then show the range: “Estimated uplift: 6%, margin of error ±2%.”   This sets realistic expectations and reduces “why were the forecasts wrong?” conversations.  Core idea:   You do not manage the number.   But you must look at the RANGE around the number.  🔔 Dr. Kruti Lehenbauer of Analytics TX, LLC #PostitStatistics on Ryza Content: an evolving experiment with #AI! P.S.: Have you tried using a simple MOE checklist for surveys or A/B tests?

It's patently obvious that a bank can't ONLY look at its own raw data these days, but WHY is it so important to compare a bank to its peers and aggregate lending in its markets? We explore some of the reasons in today's blog post. https://lnkd.in/e_Jv4QDC

What is the biggest economic risk for your business? Executives say that they are bracing for impact.   But the data story is more nuanced than the headlines. We are stuck inside a panic narrative. And panic is a terrible planning tool. From the session between Veriten and Dr. Kruti Lehenbauer, one message stood out:   Most teams are using a “fear filter” instead of an “evidence filter” for 2026 planning. That kills good bets before they ever hit the board. Actionable Insights for your business model: 1) Separate vibe from reality.   - Consumer sentiment feels worse than long-run trends.   - Audit your own data: orders, win rates, sales cycle length, churn.   - If your internal comps are stable while headlines scream crisis, your problem is narrative, not demand collapse. * Action: Build a simple monthly macro dashboard for your business, tied to your own prices, wages, and demand. 2) Model the “real” interest rate you face.   - Tariffs, supply constraints, and compliance costs act like hidden rate hikes.   - They increase your real price of capital and inventory.  * Action: When you run scenarios, bump your assumed cost of capital to reflect tariffs and frictions, not just the headline Fed rate. 3) Watch real constraints, not noise.   - Center your scenario planning on employment, GDP trajectory, and true inflation, not daily market drama.   - Aim for better output quality, not just bigger volume. * Action: Translate each move into one operational question:   “How does this change customer ability and willingness to pay in the next 12–24 months?” 4) Invest where productivity compounds.   - Long-run growth comes from productivity and technology, not headlines.   - Prioritize AI and analytics that free high-skill labor from low-value work. - That is how you protect margins and create room to keep selling even if topline growth slows. * Action: Pair every AI experiment with a training plan and a process redesign, not just a cost-cutting target. If you ignore these, you overreact to the story and underreact to the data.    Core takeaway:   Your biggest economic risk in 2025 may not be the Fed.   It may be the story your leadership team believes about the Fed. #Economics, #Productivity, #InterestRates, #AI Post writeup created using Ryza Content P.S.: If you want a sharper macro lens for your planning off the upcoming Fed meeting, book a short strategy review with Dr. Kruti Lehenbauer.

Today on #COBT we had the pleasure of hosting Dr. Kruti Lehenbauer, Founder of Analytics TX, LLC. Kruti is a longtime statistician and economic consultant who has held leadership roles across analytics, data, and research. She holds a Ph.D. in Public Policy and Political Economy and helps organizations audit business data, uncover hidden efficiencies, and navigate strategic planning, AI adoption, and more. She regularly shares thought-provoking insights and translates complex analysis into clear, actionable takeaways. We were delighted to hear her perspectives on interest rates, inflation, tariffs, and more ahead of next week’s Fed meeting. ▶️ Watch the episode here: https://lnkd.in/gv7_2DK6.

FDIC Regulatory Overhaul The Federal Deposit Insurance Corporation (FDIC) is implementing steps to reform its regulatory and supervisory approach and acting Chairman Travis Hill provided testimony detailing these changes. Below is a concise summary of the key updates impacting Consumer Compliance, Fair Lending, Community Reinvestment Act (CRA), and the overall examination process: Examination Processes & Supervision - The FDIC is reforming supervision to focus more on core, material financial risks and less on risk management process. - The FDIC proposed establishing an Office of Supervisory Appeals—a standalone, independent entity—to adjudicate appeals of material supervisory determinations, aiming for an apolitical and consistent appeals process. - Changes were implemented to streamline the examination process and improve efficiency, including simplifying internal procedures, reducing unnecessary documentation (especially for well-rated community banks), shortening reports, and reducing documentation for specialty reviews (such as anti-money laundering (AML) and information technology examinations). - The threshold for presumptive inclusion in the continuous examination process was raised from $10 billion to $30 billion in assets. Banks between $10 billion and $30 billion now apply a hybrid approach with tailored monitoring. Consumer Compliance, Fair Lending, and CRA - Consumer Compliance and CRA Examination Frequency is being reduced for most institutions with less than $3 billion in assets: Institutions between $350 million and $3 billion (with a strong compliance and satisfactory CRA rating) will have a joint compliance and CRA exam approximately once every five years with a midcycle review. Banks with less than $350 million (with a strong compliance and satisfactory CRA rating) will have a joint exam approximately once every six years with a midcycle review. - Community Reinvestment Act (CRA) Regulations: The FDIC, Federal Reserve, and OCC jointly issued a Notice of Proposed Rulemaking (NPR) to rescind the 2023 CRA Final Rule and replace it with the CRA framework that existed prior to 2023 (the 1995 CRA Regulations). - Fair Lending: The FDIC has ended the use of disparate impact in fair lending examinations, consistent with Executive Order 14281. References to disparate impact have been removed from FDIC policies, procedures, and resources, including the FDIC Consumer Compliance Examination Manual. Chairman Hill's full testimony here: https://lnkd.in/eJt9JBrE.

What is your real goal? Consistency or expertise? The answer is that while consistency can build expertise, the reverse is not always true! Executives rarely admit this out loud, but it drives a lot of decisions:   “I’d rather never start than be publicly average.” In marketing, product, even personal growth, we confuse expertise with worth. If I try and stay average, I feel exposed. If I never try, I can say, “I just never focused on it.” Here is the hidden trade‑off:   You protect your status today, but you pay with future relevance. Some levers to reframe the game around consistency, not instant mastery: 1) Redefine success as “more data than yesterday”  - Every small digital experiment, every rough piece of content, every clumsy first meeting with a new market gives you information. - The win is not brilliance. It is owning more data than you had last week. 2) Build “safe-to-stumble” spaces inside the business   - Treat December as your internal beta month.   - Pilot new messaging with a small segment.   - Test a different pricing narrative on a low‑risk offer.   - When the stakes are framed as learning, people take bolder, smarter shots. 3) Separate identity from skill level   - You are not “bad at marketing” or “bad at languages”. You are just “early in the reps”.   - When leaders model this language, teams stop waiting to be experts before they move. - Progress speeds up because perfection is no longer the price of participation. Expert status is a mirage. Consistency is where compounding happens.    Your business and your life both grow in that quiet middle, where you keep showing up after the first burst of motivation fades. - Dr. Kruti Lehenbauer of Analytics TX, LLC This post was created with the help of Timothy Goebel's Ryza Content tool. P.S.: If you stopped chasing expertise and only tracked your consistency, would you finally give yourself permission to begin and keep going?