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The bank M&A landscape has been sluggish in recent years. Unrealized losses on banks’ balance sheets, uncertainty about regulatory approvals and mismatched pricing expectations kept many potential deal partners on the sidelines. Could that change in 2025? Bank executives and directors participating in Bank Director’s 2025 Bank M&A Survey, sponsored by Crowe, express greater enthusiasm about M&A compared with recent years. Forty-three percent say their bank is very or somewhat likely to buy another bank by the end of 2025, compared with 35% a year earlier. “The general sentiment in the industry is that M&A is back on the table,”…
Key Findings
Forty-three percent of bank leaders say their organization is very likely or somewhat likely to buy another bank by the end of 2025, up from 35% a year earlier. Scale to drive investment in technology (43%), geographic expansion (37%) and gaining low cost deposits (29%) are the primary motivators for potential M&A. Among potential acquirers, pricing expectations of potential targets (76%) and demands on bank capital (52%) are cited as the two most significant barriers to making a deal. Among respondents representing publicly traded banks, 55% feel their bank’s stock is strong enough to make an acquisition that meets their…
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WRITTEN BY
Laura Alix
Director of Research
Laura Alix is the Director of Research at Bank Director, where she collaborates on strategic research for bank directors and senior executives, including Bank Director’s annual surveys. She also writes for BankDirector.com and edits online video content. Laura is particularly interested in workforce management and retention strategies, environmental, social and governance issues, and fraud. She has previously covered national and regional banks for American Banker and community banks and credit unions for Banker & Tradesman. Based in Boston, she has a bachelor’s degree from the University of Connecticut and a master’s degree from CUNY Brooklyn College.