Community Banks Tame Regulatory Costs By Teaming Up

Law360, New York (December 7, 2012, 6:10 PM EST) -- The cost of complying with new capital thresholds is accelerating a wave of consolidation among community banks as smaller lenders try to buy their way to healthier margins, a trend experts expect to continue into 2013.

Many smaller banks — loosely defined as those with under $5 billion in total assets — are struggling to raise capital from shareholders still stinging from the bank failures of 2008 and 2009.

"A lot of institutions are rethinking their capital structure going forward, and the truth is, a lot...
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