With high-speed change dominating the worlds of technology and financial services, and with interstate banking now a reality, many bank CEOs and directors are nervously asking the question, "Will I be able to stay independent through the next wave of industry restructuring?"

The question that community bankers should be asking is, "Based on shareholder and customer expectations, do you deserve to stay independent?" Although answering this question requires a thorough strategic and financial analysis of your bank, we recommend two important litmus tests that will gauge a bank's overall ability to remain independent. These tests center around the following questions:

Subscribe Now

Access to authoritative analysis and perspective and our data-driven report series.

14-Day Free Trial

No credit card required. Complete access to articles, breaking news and industry data.