GROWTH PLAN: "We don't anticipate that [Northwest's] loan-to-deposit ratio will remain at 65%" after it sells to Chemical Financial, says Lori Gwizdala, Chemical's chief financial officer.

Deposit Franchises Drawing Looks from Aspiring Acquirers

M&A has been marked by the pursuit of earning assets in recent years, but banks that have cracked the organic loan growth code are looking to buy deposit-heavy banks before interest rates rise.

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