FIGHTING FOR A FUTURE: "It is a matter of long-term survival. Banks may not need the capital certificate right away but we want to make sure the mutual industry stays around for another 200 years," says Robert Oeler, president and CEO at Dollar Bank.

Mutuals Seeking New Ways to Raise Capital

Banks everywhere are evaluating their odds of survival, which takes capital. Mutuals are at a disadvantage in that regard but are looking to change that through new legislation.

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