While this white paper was written in 2012, it still holds relevant as the consolidation in the banking space, particularly among smaller US community and regional banks, is alive and well and expected to play out in the coming years. It should be noted that government regulation, a significant driver of bank M&A, has only increased in size, complication and cost. Consequently, many smaller banks in the country are being forced to consider aligning with strategic partners.
Submitted by FJ Capital Management, LLC
FJ Capital Management specializes in analyzing the banking industry through alternative strategies and was founded in December of 2007. The firm utilizes its extensive research background and a fundamental approach to understand the current banking environment.