Market Intelligence

July 17th, 2019
As a general rule, even a moderately profitable bank will struggle to responsibly invest all its earnings into organic growth. There are only so many good loans to make in any market. Loading up on securities will impair a bank’s net interest margin. And mergers and acquisitions should be driven by the quality of available acquisition targets, not the amount of capital held by an acquirer. To earn a satisfactory return on equity, then, a bank mus...

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John J. Maxfield is the executive editor for Bank Director magazine.