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SRM Perspectives on Key Industry Trends

The Great Resurgence of Mergers and Acquisitions

Posted by Keith Ash on Feb 21, 2025 8:15:00 AM

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As we enter 2025, there are a multitude of factors indicating that this year will see a resurgence of merger and acquisition (M&A) activity among banks and credit unions. The primary factors for increased consolidation include economic conditions, a change in administration and related regulatory impact, technological investments, a heightened need for scale, and evolving consumer expectations. In the following paragraphs, we highlight many of the factors that SRM is tracking to help our clients prepare for the new dynamics the industry faces this year.

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Topics: Technology, Economic Recovery, Consumer Behavior, Mergers & Acquisitions, Regulation, Administration, Investments

Credit Union Buyers, Regulatory Delays, and More: Bank M&A Trends to Watch

Posted by Paul Davis on Mar 28, 2022 11:21:12 AM

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As summer approaches, bank consolidation has been steady but not as brisk as many thought.

 

There have been 37 transactions announced by March 18, 2022. If this pace continues, it would be about 25% below last year, though many of 2021's deals were in the works before the pandemic. As with many other business transactions, they were shelved as Covid-19 took hold.

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Topics: Vendor Contract Negotiation, Bank Vendor Management, Mergers & Acquisitions, Expense Management, Credit Unions

Finding the Right Partners Matters: Takeaways from Acquire or Be Acquired

Posted by Richard Whiddon on Feb 10, 2022 10:40:46 AM

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After a two-year hiatus, Bank Director's Acquire or Be Acquired was back with an in-person event in Scottsdale, AZ, last week.

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Topics: Fintech, Vendor management, Automation, Cryptocurrency, Mergers & Acquisitions, Expense Management

Merger Scrutiny, Overdraft Fees & More: Banking Regulation in 2022

Posted by Paul Davis on Feb 8, 2022 11:47:00 AM

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Financial institutions should brace for substantial regulatory change in the year ahead.

Turnover at the top of several federal agencies, including the Consumer Financial Protection Bureau (CFPB), the Office of the Comptroller of the Currency (OCC), and the Federal Deposit Insurance Corp. (FDIC), foreshadows more scrutiny for FIs.

Everything seems to be on the table, including timelines for implementing the Current Expected Credit Loss (CECL) accounting standard, data privacy, and Bank Secrecy Act compliance.

There are, however, several areas that we believe merit the most attention in the coming months.

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Topics: Vendor management, Cryptocurrency, Interchange, Regulations, Mergers & Acquisitions, Overdraft

The Four Whys Driving More Buys | Excess Deposit Strategies Add to M&A Trend

Posted by Paul Davis on Aug 24, 2021 9:30:00 AM

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In response to the banking industry’s recent influx of deposits, several recent bank acquisitions show how some banks are responding to the pressure of putting liquidity to work.

Midsize banks like Truist Financial, Fifth Third Bancorp, Regions Financial, and some community banks have announced acquisitions where they plan to hold onto loans that the sellers would typically roll off the balance sheet.

Their objective? To redeploy billions of dollars in deposits held by the acquirers, shore up net interest margins, and boost returns.

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Topics: Lending Strategy, Mergers & Acquisitions

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