The future of bank M&A took clearer shape in 2013. A certain kind of deal, the merger of equals, rose to the fore and that momentum has carried into 2014. The trend coincides with a change in dealmaking styles. Buyers used to win banks in pricey, unpredictable auctions. Now they have to be friendly masters of the negotiating table, and often have to conduct patient talks over an extended period of time. It all sounds very friendly, but it's hard to do.

Banks are preaching the importance of getting low-cost deposits on their books now, ahead of new Basel liquidity rules, and the impending rise of interest rates.

These deals are hard to put together but are well worth it -- if management teams can get through the problems of working together. Sterne Agee's Michael Barry and Daryle DiLascia explain.

Baltimore County Savings Bank's 16 branches will officially open next week as branches of First National Bank of Hermitage, Pa.

Buyers used to win banks in pricey, unpredictable auctions. Now they have to be friendly masters of the negotiating table.

The California company ended three years of loan runoff after expanding into San Diego and adding managers for its agribusiness, construction and mortgage operations. What it would really like to do next is find the perfect acquisition.

Bond Street Holdings in Weston, Fla., plans to close four of the 25 branches it acquired from Great Florida Bank in Miami Lakes.

The former bank analyst is striking out on his own after shutting down an investment firm he co-founded with banker Vernon Hill.

North Shore Bank in Peabody, Mass., has agreed to merge with Saugusbank in Saugus, Mass.

Peoples Financial Services in Scranton, Pa., reported a fourth-quarter loss tied to its merger with Penseco Financial Services. The $1.7 billion-asset company lost $2.8 million in the quarter, compared to Penseco's $2.7 million in profit a year earlier.

West Virginia's City Holding is content to have loan officers drive several hours to pursue lending opportunities rather than relying on aggressive M&A. Part of the approach is tied to lessons learned from a risky strategy that blew up on a previous management team in the 1990s.

Patriot Financial is among a handful of investors to team up and bid on 1st Mariner Bank in a bankruptcy auction. Kirk Wycoff, Patriot's managing director, says his firm likes the structure and thinks it provides a market-based solution to community banks' debt hangover.

The clock is ticking on the Canadian bank's ambitious plan to take New York. TD has added a lot of branches and won kudos for its emphasis on customer service, but it's far short of its goal to be No. 3 in retail market share by 2016.