Texas

Pat Hickman, CEO of Happy State Bank, wants his institution to remain viable in the face of stifling regulation. As for selling? That'll happen over his dead body, he says.

Prop 2 easing HELOC regulations and Prop 7 granting prize-linked accounts both passed on Nov. 7

The company, which recently bought Sabadell United in Miami, is pledging to make billions of dollars in mortgages and small business loans in low- and moderate-income communities.

The bank is looking to raise $72 million, which it could use for organic growth and acquisitions.

One of the biggest challenges surrounding the ballot initiatives is voter turnout, which is often just 10 percent of registered voters in elections the year after a presidential contest.

Harvey slammed the Houston area this summer, but Prosperity Bancshares' profit dropped only slightly in the third quarter, and it described the financial impact as "manageable."

The Dallas company reported a 40% increase in net income from the same period in 2016.

The company agreed to buy Commercial Bancshares for $59 million in stock.

While social media is helping get younger members in the door, observers say credit unions won't get far without the right mix of products and services for millennials.

The loan product, which allows consumers retroactively to adjust a payment amount, illustrates how community-based institutions are trying to reach technologically savvy consumers.