Bank Law Monitor

Bank Law Monitor

A Legal Blog for the Financial Services Industry

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Straight Talk About Community Banks

Posted in Cyber-Graham

Context As many of you know, I spent six years as a bank regulator in the Securities Disclosure Division of the OCC. Since moving out to the Northwest, I have had the privilege of being involved with several hundred community banks ranging from de novos to capital raises and from enforcement actions to mergers and acquisitions.… Continue Reading

Confluence

Posted in Cyber-Graham

Deal Talk Well, it’s almost Spring and the flowers and deal talk are starting to bloom. We hear and see a lot of activity going on in the Western United States. Our sense is that this activity is being fueled by a confluence of factors: continuing low interest rates and skinny margins; loan concentration concerns… Continue Reading