Community Banking

The hidden jewel of value investing, community banking covers the latest developments in America’s consolidating financial sector.

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American Banking Association: M&A Expectations for 2020

The American Banking Association has released its outlook for merger and acquisition activity in the banking sector in 2020. The ABA finds that the forces contributing to the consolidation of the industry show little to no sign of dissipating. Larger banks have an advantage as they can spread the costs of things like cybersecurity and regulatory compliance over a more extensive asset base. That gives them a significant advantage over smaller banks. The numbers bear out that theory as larger banks, in aggregate, have higher returns on assets and equity than smaller institutions.

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American Banking Association: M&A Expectations for 2020
January 24, 2020

The American Banking Association has released its outlook for merger and acquisition activity in the banking sector in 2020. The ABA finds that the forces contributing to the consolidation of…

Fintech: Goldman Sachs Launches Its Marcus App
January 14, 2020

Online bank Marcus from Goldman Sachs Group has finally come to mobile devices. The Wall Street financial giant launched its long-awaited app for customers last week. The lack of an…

Bancorp South Bank Completes Deal for Texas First Bancshares
January 3, 2020

The deal creates a new firm with $21 billion in assets. Bancorp South Bank announced the completion of its acquisition of Texas First Bancshares, the parent company of Texas First…

Community Banking: Evans Bancorp to Buy FSB Bancorp
December 20, 2019

Evans Bancorp announced this week plans to purchase FSB Bancorp (FSBC) for approximately $34.7 million. The price of $17.80 per share for FSB Bancorp will be paid 50% in cash…

Community Banking: Cambridge Financial Group Will Buy Melrose Bancorp
December 20, 2019

Cambridge Financial Group is acquiring Melrose Bancorp (MELR) for $25 a share in cash. The mutual holding company for Cambridge Savings Bank will receive quite a boost after this deal. Cambridge…

Community Banking Merger: Kearny Financial Buys MSB Financial
December 20, 2019

Kearney Financial announced it will purchase MSB Financial, the holding company for Millington Bank, for approximately $94 million. The price will be paid in either 1.3 shares of KRNY common…

Japanese Regional Banks: The Trade to Start 2020
December 17, 2019

Japanese regional banks are starting to look for new capital as it becomes increasingly challenging to grow in a low-interest-rate environment. In a move similar to what we saw happen…

Black Tuesday: Banks on Both Sides of the Atlantic Announce Major Job Cuts
December 5, 2019

Black Tuesday: Banks on Both Sides of the Atlantic Announce Major Job Cuts. On Tuesday, December 3, Unicredit, Italy’s largest lender, said it planned to cut 8,000 bank jobs as…

Melvin: FDIC Quarterly Banking Profile for the Third Quarter
December 3, 2019

The FDIC Quarterly Banking Profile arrived last week. For the first time in several years net income fell. Net Income is the nation’s banks totaled $57.4 billion during the three…

Community Banking Recap – November 22, 2019
November 22, 2019

Earnings season is pretty much behind us now, and the Federal Reserve issued its latest minutes. While Wall Street is celebrating the fact that a historically high number of companies…