Special Report January 2020
A handbook compiling essential information and guidance about the community bank leverage ratio....
07 January, 2020
September 2019
MOE Tips from CEOs: Culture, Excitement and Details Matter to Get the Deal Done
MOEs require a different mindset and attitude, particularly on the part of CEOs. See “What Makes MOEs Unique—and How to Avoid Their Pitfalls” in this issue. Here are some tips...
27 September, 2019
Three Banks into One
There’s a new $1.3 billion bank holding company in Georgia – and it’s the result of a merger of equals. Heritage Southeast Bancorporation came about as the result of a...
27 September, 2019
Unconventional M&A: What Makes MOEs Unique—and How to Avoid Their Pitfalls
MOEs are not like typical acquisitions and cannot be approached in the same manner. They: • Comprise a very small fraction of transactions. • Have a high failure rate due to social/valuation/process...
27 September, 2019
M&A Red Flag — Beware of Dependence on Auctions
M&A transactions initiated through an auction process have become de rigueur in the community banking marketplace. In the right situation, they have several advantages that include speed, limited due diligence...
27 September, 2019
Mergers of Equals: Rare Deals Could Help Community Banks Solve Problems
Last December, Virginia Partners Bank, which has $410.1 million in assets, announced a strategic merger of equals (MOE) with Delmar Bancorp, a $737.9 million holding company that owns The Bank...
27 September, 2019
Read Between the Lines September 2019
Although the Financial Accounting Standards Board is giving small banks more time to comply with CECL, there may be advantages to implementing the standard sooner. Adopting early may help banks...
27 September, 2019