Avoid a change if your bank lacks the ability or resources to implement it successfully. Instead, consider accepting low growth, managing the institution for cash and returning the excess capital to shareholders.

We revisit some of the best comments readers posted to AmericanBanker.com and BankThink.com in 2012.

A longtime director of the troubled First Financial Northwest (FFNW) has retired from the Renton, Wash., company's board.

C1 Bank will likely need to strengthen its compliance department before buying a branch in downtown Miami from U.S. Century Bank.

Jacksonville Bancorp (JAXB) in Florida has sold roughly $25.1 million of troubled assets and completed its previously announced $50 million capital raise.

Despite a lackluster track record in 2012, the two SuperPACs formed by bankers are vowing to increase their influence before the next election hits.

Cybercriminals will target small banks, mobile platforms and cutting-edge payment forms in an effort to delay service and obtain data next year.

Capitol Bancorp (CBCRQ) in Lansing, Mich., has reached a tentative agreement to sell its Sunrise Bank of Albuquerque to a group of unnamed investors.

Carlile Bancshares in Fort Worth, Texas, has completed a deal that adds significantly to its branch network in Colorado.

Private equity firms could unload their bank investments if a weak economy and sluggish earnings persist.

United Community Banks (UCBI) in Blairsville, Ga., has registered $35 million in senior notes on behalf of several outside investors.

Sun Bancorp (SNBC) in Vineland, N.J., has received the Federal Reserve Board's blessing to hire Thomas R. Brugger as its chief financial officer.

QNB Corp. (QNBC) in Quakertown, Pa., is preparing to complete its previously announced succession plan.

Sound Community Bancorp in Seattle has ditched its federal thrift charter. The Washington State Department of Financial Institutions approved an application last week from Sound Community Bank for a state commercial bank charter, which went into effect immediately.

The U.S. Senate confirmed Carol Galante as head of the Federal Housing Administration, the agency she has spent more than a year running as acting FHA commissioner.

The $1.8 billion-asset subsidiary of CNB Financial Corp. (CCNE) said Friday it has appointed Richard Greslick chief operating officer.

TF Financial (THRD) in Newtown, Pa., has agreed to acquire Roebling Financial (RBLG) in New Jersey for $14.5 million in stock and cash.

Mid Penn Bancorp (MPB) in Millersburg, Pa., has repaid the $10 million it owes the Troubled Asset Relief Program.

MB Financial Bank in Chicago has purchased Celtic Leasing, a privately held equipment-leasing company.

United Community Bancorp (UCBA) in Lawrenceburg, Ind., has raised enough funds from its community offering to complete its second-step conversion.