Patrick Vernon is a partner in the consulting group at Crowe. He specializes in valuation services, transaction advisory and structuring, and acquisition accounting. Patrick has more than 12 years of experience with providing valuation and accounting of acquired loans, debt instruments, and other financial instruments as well as the valuation of intangibles acquired through financial services business combinations. He also engages in CECL implementation consulting services, assisting financial services organizations in the preparation and implementation of CECL reserves.
Why M&A Could Turn a Corner in 2025
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Written by
Patrick Vernon
Partner
Patrick Vernon
Partner
Bank executives and directors are more positive on M&A in 2025, according to Bank Director’s 2025 Bank M&A Survey, buoyed by stronger bank stocks and expectations for lower interest rates. Possible buyers’ motivations haven’t changed much; they’re still interested in driving scale and adding low-cost core deposits, says Patrick Vernon, a strategy and transaction advisory senior manager at Crowe. Meanwhile, potential sellers might consider reducing commercial real estate concentrations or high cost, noncore deposits to maximize the price they could get in a sale.
Topics include:
- Motivations for M&A
- Low Cost Deposits
- Increased Competition by Nonbanks
- Positioning for Better Prices
Bank Director’s 2025 Bank M&A Survey, sponsored by Crowe, studies current growth strategies, including banks’ appetite for deals and plans for organic growth. The survey results are also explored in the 1st quarter 2025 issue of Bank Director magazine.
WRITTEN BY
Patrick Vernon
Partner
Patrick Vernon is a partner in the consulting group at Crowe. He specializes in valuation services, transaction advisory and structuring, and acquisition accounting. Patrick has more than 12 years of experience with providing valuation and accounting of acquired loans, debt instruments, and other financial instruments as well as the valuation of intangibles acquired through financial services business combinations. He also engages in CECL implementation consulting services, assisting financial services organizations in the preparation and implementation of CECL reserves.