Everyone knows the U.S. banking industry is in the midst of a process of consolidation that's been going on for more than 20 years. Less well-known, however, is another long-term industry trend that is at least as profound: the bifurcation of the industry between deposit-gatherers and asset-generators. I believe that the best-positioned bank managements are the ones that understand this bifurcation trend and have adopted long-term strategies to exploit it. I'll get to the details in a minute, but first a brief word about consolidation. It wasn't too long ago that banks were restricted from operating outside the states in...
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