WISHFUL THINKING: Hancock CEO Carl Chaney said he sometimes wishes his bank were a credit union. "I wouldn't have to pay taxes and I would have a fraction of the oversight," he said.
Prosperity Bancshares and Hancock Holding knew they would lose significant interchange income when they hit the $10 billion mark, but they were not quite ready for the increased regulatory scrutiny that came with that growth.

Top Stories

Regulators, advocacy groups and attorneys general are paying close attention to how banks market to and serve different racial and economic groups. There are several things banks can do to protect themselves when putting together a strategic plan.  more »
The mobile wallet finally has some real momentum. Will the biggest banks use the opportunity to take business from their smaller peers?  more »
Disruptors
Apple's long-anticipated move into mobile payments seemed to cover all the bases — Apple Pay will launch with the support of major banks, card networks and retailers. But there were several things that didn't make it into the first version of its mobile wallet.  read more »
TrueAccord, which just raised $5 million, aims to use automation, data and behavioral analysis to transform debt collection — a business where old hands shy away from communicating with consumers by email.  read more »
Capital Bank Financial shares a problem with other investor-backed companies built to make a lot of bank acquisitions: their stocks trade at low premiums because they are overcapitalized, but they are unable to deploy their capital in M&A deals because of those low stock values.  read more »
Yield-seeking investors have fueled a niche bond business that is financing community banks, through the sale of higher-risk, subordinated debt. It is unclear whether the banks need all that capital.  read more »
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