Revenue and expenses

The Independent Bank-Texas Capital merger could prompt other banks in the state to consider selling or buying.

Several banks have reported spikes in substandard loans, special mention credits and watch-list relationships. What does it all mean?

A 10% cut next year, which will be identical to the fee reduction this year, is projected to save the industry about $85 million.

The Louisiana company's willingness to combine with First Horizon without a big initial payday is fueling talk that other banks could be keen on selling at relatively inexpensive prices.

While layoffs at big banks get the headlines, small and midsize lenders are also trimming payrolls in response to lower rates and fears that a recession is getting closer.

The credit they received in the third quarter is helping to soften the blow from falling net interest margins and weakening loan demand.

The institution also remained well capitalized and its membership rose in the first half of the year.

A new study suggests banks have the ability to operate leaner than ever before. That could fuel investor demands for more cost cutting and drive more banks to pursue M&A.

Loans and net income continued to rise while delinquency rates improved. Other major trends continue, including ongoing consolidation amid sustained membership growth.

Pockets of job growth — in technology and compliance as well as from branch openings in new cities — are offsetting some of the dramatic cuts elsewhere at the world’s largest lenders.