There are millions of businesses deserving of loans that banks using traditional data resources might overlook due to their thin credit histories.

The mismatch between demand for new homes and the supply threatens to drive up prices and dampen lending.

Banks are generally selling for less than they did before the financial crisis. Yet there have been select instances in which buyers have been willing to pay significant premiums to sellers' tangible book values. Here are the highest premiums since January 2015 for deals valued at $100 million or more.

Glen Burnie Bancorp in Maryland has appointed a successor to its outgoing president and chief executive.

The $325 million-asset State Bank said in a press release Tuesday that it will pay $29.6 million in cash and stock for the $206 million-asset Country Bank.

Citizens Community Bancorp in Eau Claire, Wis., has agreed to buy Old Murry Bancorp in Rice Lake, Wis.

There is concern that a decline in condo pricing could create loan problems similar to those that cropped up before the financial crisis. Bankers in the area, however, believe foreign investors would take the biggest hit.

A rough economy, regulation and evolving technology will keep forcing small banks to merge, said Richard Hunt, head of the Consumer Bankers Association. Hunt's position puts him at odds with bank advocates, including Camden Fine at the Independent Community Bankers of America, who believe small banks should ignore the drumbeat calling for more consolidation.

Flagstar Bancorp in Troy, Mich., has launched a national homebuilder lending platform.

Sterling Bancshares in Poplar Bluff, Mo., has completed its purchase of Bootheel Bancorp in Poplar Bluff.

Community bank executives need to focus on these three areas in order to embrace change and cater to younger, tech-savvy customers.

American Banker readers share their views on the most pressing banking topics of the week. Comments are excerpted from reader response sections of AmericanBanker.com articles and our social media platforms.

Bank of Missouri knew that using new technology was important in making its business processes more efficient. But its IT team also knew that it had to get buy-in from the employees actually completing the steps as well to see real results.

Bank of Prairie Village in Kansas went through a core conversion last year. Its chairman hopes that his sons, who are set to take over the bank eventually, won't be afraid to embrace new technology since they've experienced the scariest of all bank IT projects.

Banks stocks fell further than the overall market yet again Thursday, as concerns about negative interest rates, the energy sector and other matters showed no signs of abating.

Inspired by marketplace lenders, Live Oak Bancshares created a largely digital product that can make a credit decision on a small-business loan within 48 hours. The product, which combines human decision-making and automated credit scoring, could go national as early as next year.

Bank of Botetourt in Buchanan, Va., founded in 1899, said Thursday it has opened a mortgage division to pursue unmet demand for home loans in southwestern Virginia.

Rather than replace aging servers and add an on-site backup system, The Eastern Colorado Bank moved its IT infrastructure to the cloud. While some bankers fear outsourcing such systems, the community bank has had a hosted core for several years.