EXPOSURE: About a quarter of the Montana banking department's revenue comes from two banks. "We have tried to work on balancing our assessments
to temper that risk," says Melanie Hall, the state's banking commissioner.
Bank mergers, failures and charter consolidations are cutting into the exam fees that provide the financial lifeblood for regulators in Idaho, Montana and other states. Their attempts to balance the budget can cause small banks to pay higher fees.
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