Perspectives |



M&A at Mid-Year

Values rise, pace quickens from a year ago.

By Bill Poquette, Editor-in-Chief

Maybe it’s the weather. The central part of the country has been sweltering since May, and a couple of big-ticket bank acquisitions in Chicago and Denver seem to suggest a warming-up of merger activity and pricing.


The Rule of Eights

Major legislation comes with compelling regularity.

By Bill Poquette, Editor-in-Chief

True to form, S. 2155 arrived right on time, just eight years after the law it was intended to defang, the Dodd-Frank Act of 2010. True to form, that is to say, because roughly every eight years, major financial reform legislation is spawned to remedy the perceived evils of the previous version. This trend has been quite consistent over almost the past three decades.


CRA at 40

Regulators want to catch up with technology.

By Bill, Editor-in-Chief

At age 40 and counting, is the Community Reinvestment Act seeming a bit long in the tooth? Some think so, and a case is being made — by people who can get it done — for an update that reflects the impact of evolving technology on banking services since the most recent effort to resuscitate the regulations in 1995.


De Novo Trend Gathers Steam

Investors and veteran bankers see opportunity knocking.

By Bill Poquette

Maybe this doesn’t qualify as a ”flurry” of activity, but at least a baker’s dozen of de novo banks are currently in various stages of organization or approval. This is more than at any time since the great recession. And three new banks have opened since Jan. 1: Beacon Bank, Charleston, S.C., Jan. 8; Endeavor Bank, San Diego, Jan. 22; and Infinity Bank, Santa Ana, Calif., Feb. 2.


Some Pressure on Credit Unions?

A U.S. senator asks NCUA chairman embarrassing questions.

By Bill Poquette, Editor-in-Chief

Bankers were disappointed that the Tax Cuts and Jobs Act of 2017 passed in late December last year failed to address credit union taxation. Yet, there may have been some comfort in an encouraging confluence of events over the next 60 days.


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