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The acquisition of Middleburg Financial would create a nearly $2.5 billion-asset bank in northern Virginia with strong mortgage originations and a growing wealth management business. It would provide an endgame for Middleburg while also making Access more appealing to potential buyers.

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Home BancShares in Arkansas would rather buy banks that meet its financial parameters than do one large deal to catapult over $10 billion in assets. The bank also spent most of this year idling with M&A so it could prepare for stress testing.

Greg Carmichael, who has been on the job nearly a year as Fifth Third's CEO, has started putting his stamp on the company by aggressively trimming branches in favor of mobile, seeking to build up its consumer credit business and retooling the balance sheet.

The company believes it is done making acquisitions in its home state. The next phase of growth will likely involve deals and strategic hiring in large urban markets across the Southeast.

Combining biometrics with device ID, social data, behavior patterns and other factors builds a strong foundation for artificial intelligence to conduct identity proofing and transaction authorization.

The California company plans to hire a second chief credit officer to specify monitor commercial lending and specialty lines. At least one analyst said the changes, which also include adjustments to credit policies, calls into question the company's strategic director and growth trajectory.

Attendees at this year's American Bankers Association conference are fixated on the election, fintech competition and banking's changing landscape. While optimistic, many are still wondering where their industry is headed.

BancorpSouth has extended the deadline to complete two acquisitions until the end of 2017 as it seeks to resolve a recent CRA downgrade.

The California company will report a quarterly loss after credit issues surfaced in its technology lending division. Opus had expressed an interest earlier this year to expand the business after making a key hire.

Heightened regulatory scrutiny, stricter credit-quality reviews by buyers themselves, cautiousness over systems conversions and other factors have added about three weeks to deal closings in recent years. There are inherent risks in that trend and ways to minimize them.

Goldman Sachs' newly launched consumer lending website is aimed at some of the very same customers that big banks and marketplace lenders covet, yet there are plenty of questions about its business plan, its ability to manage credit risk and the prospects of online lenders in general.
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