Branch network

The Wilmington, Del., company has identified the 30 branches it plans to close or sell following its acquisition of Beneficial Bancorp in Philadelphia. Most of the closures will take place in Pennsylvania.

Balances from the 52 branches Flagstar bought from Wells Fargo fell by 22% between the deal's announcement and closing, forcing the Michigan company to adjust the math for earning back tangible book value.

Associated will gain low-cost deposits and branches in 13 new markets after the deal closes.

Citizens Community Bancorp is selling its Rochester Hills, Mich., office to Lake Michigan Credit Union.

Christopher Kay will oversee the Buffalo, N.Y., bank's branch and ATM networks as well as development of products and services that seek to mimic the cutting-edge offerings of other industries.

Silvergate is selling the branch to focus more on fintech deposits and specialty lending.

Prosecutors are unlikely to buy Goldman's rogue banker defense, observers say; survey predicts recession within two years.

The company is selling 14 branches, including several around Chattanooga, Tenn., and its mortgage business to FB Financial so it can focus on its Atlanta operations and national lending businesses.

As the Latham, N.Y., credit union adds branches, it plans to put an emphasis on service, rather than transactions.

When Listerhill Credit Union was developing its latest location, management decided on using smart ATMs and a more open floor plan.

The Dallas bank inherited the five Bank of the Hills branches when it acquired Sterling Bancshares in 2011.

Orange County Bancorp has identified two neighboring counties for expansion.

Big banks have plans to open hundreds of branches in new markets to add deposits, but smaller regionals have largely sought to hold the line on costs. Cullen/Frost Bankers' decision to double its branch count in Houston may be a sign that midsize banks are rethinking their retail strategy.

From branch networks to technology and cybersecurity concerns, there's plenty to keep leaders of CDFIs and small CUs awake at night.

Barred by regulators from adding assets for at least another six months, the bank has only one main lever to pull to boost returns.

JPMorgan's chief cautioned against expanded regulation for big companies, arguing that businesses contribute to the economy.

It will also invest in mortgage and small-business lending and in neighborhood revitalization efforts there. The moves are part of a nationwide expansion by the largest U.S. bank.

The Kansas company has agreed to buy three offices from MidFirst Bank.

When the Birmingham, Ala., bank was rethinking its branch strategy, it had to reconsider the role of its tellers. Ultimately, it decided to transition those workers to a more general banker role that emphasizes meaningful conversations with customers and continuous career progression.

The cuts are part of a broader effort to trim expenses by roughly $3 billion a year by 2020.