regional-banking
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The 168-Year-Old Island Bank Making a $10 Billion Leap
First Hawaiian Bank has spent 168 years learning how to be local. Its proposed TriCo deal asks whether that advantage can cross the Pacific without losing what made the bank valuable in the first place.
First Horizon Bank
First Horizon has spent 162 years learning a difficult banking trick: how to get bigger without becoming distant. Its wager is that Southern customers still want a banker who knows the market - plus the balance sheet, software and specialists of an $84.4 billion institution.
Atlantic Union Bank
Atlantic Union Bank grew from a $2,500 rural institution into a $38.1 billion Mid-Atlantic franchise. Its wager is that scale and local judgment can still share the same balance sheet.
Old National Bank
Old National has spent nearly two centuries turning local relationships into regional scale. Now the question is whether a $74 billion bank can keep the community-bank feel that made it valuable in the first place.
F.N.B. Corporation
F.N.B. grew from a bank run out of a Pennsylvania house into a $51 billion regional institution. Its next contest is subtler: making relationship banking work at digital speed without losing the local knowledge that built it.
Bank OZK
From two branches and $28 million in assets, Bank OZK built a $41.7 billion institution by pairing community banking with a national construction-lending machine. Now the Little Rock bank is trying to keep that edge while making its balance sheet less dependent on real estate.
Valley Bank
Valley Bank has spent nearly a century getting bigger without wanting to feel big. Now, with about $64 billion in assets and a push into partner banking, it is testing whether a regional lender can offer national-bank machinery with a relationship banker still attached.
Fifth Third Bank
The bank with America’s strangest fraction just became its ninth largest. Behind the 5/3 sign is a 168-year experiment in turning branches, payment rails and software into one sprawling financial utility.
Busey
A bank born in an Illinois town of 2,000 people now spans 10 states. Its wager is that local relationships can survive a $20 billion merger - and become more useful when banking, wealth and payments sit under one roof.
Umpqua Bank
A timber town built a bank so workers would not have to cash paychecks at the tavern. Seventy-two years later, the name disappeared - but Umpqua's experiment in making banking feel human still echoes through the West.