The most notable quotes from American Banker stories of the previous week. Readers are encouraged to add their own observations in the Comments fields at the bottom of each slide.
There seems to be undue emphasis being placed on a provision that, generally, would have done nothing to avoid the recent financial crisis. Ultimately, however,... Read More
It's been nearly two years since the FDIC first unveiled its so-called “single point of entry” approach, which is designed to help unwind a systemically... Read More
Most banks have been adding deposit share in some key markets while slipping in others. This graphic provides snapshots of how the battlefield is changing.
Deposit costs lagged short-term interest rates on the way up and the way down during the last cycle. A relatively large representation of long-term certificates of deposits could help as rates rise.
Planned price increases and hints that households are looking for higher yields for their savings suggest that the flood tide of deposits could finally be ebbing.
Simone Lagomarsino has helped turn around a lot of banks, but she'd never seen one in such bad shape. Yet in a phenomenally short amount of time, Lagomarsino has righted the ship at Heritage Oaks Bank.
ViewPoint Financial Group is acquiring LegacyTexas in hopes of creating a large community bank solely focused on the greater Dallas-Fort Worth metropolitan area, bucking a 2013 trend in Texas and across the country of using M&A to enter complementary markets.
If you are a small bank willing to sell for cash, there's an increasing chance a large credit union might be interested in making you an offer.
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Industry observers note how quickly Thoma Bravo LLC made a profit on a company it just acquired in August, and call the purchase a coup for NCR that could help it satisfy a technical need among banks: better consistency among channels.
NCR has been working to become a "hardware-enabled, software-driven business" for eight years. With its purchase of online and mobile banking vendor Digital Insight and transaction switching and fraud detection software company Alaric Systems, it's taken a big step forward.
Bank M&A activity has been lackluster in most parts of the country. It will probably stay that way, since so many banks are too small for buyers to bother with, writes Harvard Winters.
State Bank Financial CEO Joe Evans has hired an ex-colleague, fund manager David Brown, to help lead the next stage of the Atlanta bank's M&A strategy.
Heartland Financial USA's unusual acquisition of Freedom Bank in Sterling, Ill., seems to be more about collecting on a debt than strategic M&A. Such moves are uncommon but have happened in the last few years — and they can work.
It's a hot year for second-lien loans, which are already at $28 billion. But they may be "second" in name only for claims in the event of default because of the increasingly complex structures of debt issuances and inconsistent industry definitions.
A plan to sell a Dallas bank to an investor group through a bankruptcy auction could lead to big losses for groups that made investments at the height of the economic crisis.
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As the industry evolves, American Banker keeps pace. Going beyond breaking news and headline events, American Banker's editorial staff digs deeper than the mainstream business press to identify and analyze trends.
