Check our work.

We can’t show you our clients’ data, so we built a real example. Every claim on this page is shown on one market: the 1,916 US community banks that an operations software company called TieOut sells to.

  1. Buying committeeThe buying committee, each person tagged with the reason they’re on the list.
  2. Your whole marketSee what’s happening across your whole market.
  3. Problems by volumeThe most common problems across your market, by volume.
  4. Ranked by fit and timingEvery account ranked by fit and timing, with the reasons attached.
  5. One standardOne standard, with real examples.
  6. Dated, sourced factsEvery fact dated, and one click from its source.
  7. Month by monthYour market is constantly moving.

The buying committee, each person tagged with the reason they’re on the list.

  • Sales
  • Marketing

At NexTier Bank, a Pennsylvania bank partway through a merger, the research found the people the merger work lands on, and wrote down why each one matters. Fit is how closely the bank matches TieOut’s ideal customer. Timing is how much dated evidence says now is the moment.

NexTier Bank

Fit 67 Timing 92 Worth engaging

Why now Its merger with Riverside Bank of Dublin took legal effect on 31 August 2026, and the systems conversion is expected in November 2026. The bank’s announcement

Buying committee, by persona 8 of 15 people
  1. 1

    Brian Dutton

    EVP, Chief Operating Officer & General Counsel

    Persona Chief Operating Officer Seniority C-Suite

    Responsible for day-to-day operational functions and M&A legal affairs, making him the primary executive owner of the ongoing Riverside Bank of Dublin integration and core conversion program.

  2. 2

    Lou Palumbo

    Chief Information Officer

    Persona Technology leadership Seniority C-Suite

    Owns the bank’s core IT architecture, vendor relationships and the core consolidation technical path required for the upcoming November 2026 operational merger.

  3. 3

    Heather Lively

    Executive Vice President and Chief Financial Officer

    Persona Chief Financial Officer Seniority C-Suite

    Oversees financial planning, capital allocation and budget approvals for bank initiatives, including post-merger integration expenses.

  4. 4

    Justin Steele

    Operations Project Manager

    Persona Loan and deposit operations leadership Seniority Manager

    Has direct, hands-on experience managing core systems and operations projects, having previously served as AVP/Core Systems Manager at NexTier.

  5. 5

    Kevin Materson

    AVP Core Systems Manager

    Persona Technology leadership Seniority AVP

    Manages the core banking platform (Fiserv Premier) that must absorb Riverside Bank of Dublin’s accounts during the November 2026 cutover.

  6. 6

    Jesse Pierce

    Senior Core Systems Administrator

    Persona Technology leadership Seniority Senior

    Provides direct technical administration for NexTier’s core banking systems, handling system configurations and data feeds required for the Riverside integration.

  7. 7

    Carrie Suess

    VP Deposit Operations Manager

    Persona Loan and deposit operations leadership Seniority VP

    The deposit operations leader responsible for managing deposit accounts, exception queues and customer migration workflows for the bank.

  8. 8

    Stephanie Slezak

    Vice President, Loan Operations

    Persona Loan and deposit operations leadership Seniority VP

    Oversees commercial and consumer loan processing, documentation and boarding onto NexTier’s core system.

Found in public professional profiles. The reasons draw on the bank’s own merger announcement and one of its job postings. The research kept 15 of the 20 people it looked at; these are its top 8.

Next Your whole market

See what’s happening across your whole market.

  • Marketing

This is TieOut’s whole market, every bank counted from the research. Filter by region, assets, charter or company size, or keep to the banks worth engaging, and every count follows.

Region
Assets
Charter
Company size

Showing all 1,916 banks analyzed

1,916banks analyzed
175worth engaging
15not placed on the ladder

The four groups, stage by stage

Counting the banks…

Stage mix by region

Select a row to filter by it; select more to add them.

Compare groups

Each bar is the share of that group’s banks analyzed where the research found it: how often it showed up in what was read, not a rate for the market. Hatched bars rest on fewer than 20 banks.

What the research found at each stage

Each bar is drawn against the banks at that stage in this view. A trait counts where the research confirmed it; a signal counts where it found at least one dated signal of that type.

Every dated signal the research found

By assets and company size

select to filter

Fit and timing, scored separately

Fit is how closely a bank matches the traits TieOut looks for in an ideal customer. Timing is how much dated evidence says now is the moment. They are separate measurements, so they are shown apart and never combined.

Notes on how this is counted

Counts, not shares of the market

Every figure counts banks where the research found the evidence. A bank that isn’t counted may still have the trait; the research didn’t find it. Where a share appears, it’s a share of the banks analyzed in that group, given to one decimal so two bars that look different never carry the same figure.

Who is in it

Every bank in the example that passed all three entry checks (an FDIC-insured US bank, $300M to $10B in assets, at least 50 employees), 1,916 in all. Each is counted once, at its latest analysis in the published edition.

Region, assets and charter

These three come from the FDIC’s public directory of insured banks, not from the research. A charter says who licenses and supervises a bank.

Two readings of size

The research and the directory each say how large a bank is, on different dates. Assets come from the directory; smaller, mid-market and larger are the research’s own size bands. The page shows both and doesn’t reconcile them.

What counts as confirmed

A trait counts as confirmed when the research recorded it as met or partially met.

Timing signals

A signal type counts once per bank, when the research found at least one dated signal of that type. Signals outside the ten types aren’t broken out.

The ladder

Stages come from each bank’s own operating numbers. The efficiency ratio is what a bank spends to earn each dollar of revenue, so higher is worse.

Small samples

Any view resting on fewer than 20 banks is hatched and flagged. The number is still exact; read it as anecdote rather than pattern.

Worth engaging

The research marks a bank worth engaging when three things hold together: its fit clears TieOut’s bar, its timing scores 55 or more, and it is the buyer in an acquisition whose work is not yet absorbed. So every bank worth engaging carries the acquisition trait by definition.

This dashboard names no bank

Each row is banded and anonymous, and these panels count rows without ever listing them.

Every figure counts banks analyzed. This dashboard names no bank.

Next Problems by volume

The most common problems across your market, by volume.

  • Marketing

Of the problems TieOut solves, how many of the 1,916 banks show each one. That tells TieOut’s marketing team which webinar to run first, and which banks to invite to speak.

The problems TieOut solves, by number of banks Has the problem Does not show it All 1,916 banks, one dot each

  1. Bringing operating costs down

    730 of 1,916 banks, 38%

    Running costs high against revenue: an efficiency ratio above about 70%, or in the top half of the usual 55 to 70%.

    • FDIC (opens in a new tab)

      Efficiency ratio of 75.80% on its June 2026 call report.

    • FDIC (opens in a new tab)

      Efficiency ratio of 72.60% on its June 2026 call report.

    • FDIC (opens in a new tab)

      Efficiency ratio of 68.41% on its June 2026 call report.

  2. Managing fast headcount growth

    376 of 1,916 banks, 20%

    Full-time staff up 15% or more over three years, on the bank’s own FDIC call reports.

    • FDIC (opens in a new tab)

      Staff grew from 73 to 144 in three years, up 97%.

    • FDIC (opens in a new tab)

      Staff grew from 818 to 981 in three years, up 20%.

  3. Finishing a merger integration

    256 of 1,916 banks, 13%

    Bought or agreed to buy a bank, branches or a business line, and the work it creates is not yet absorbed.

Also seen 291 banks (15%) were hiring for loan operations, deposit operations or conversion work. 228 banks (12%) were partway through a change to their online banking, app or account opening. Both can be signs of these problems rather than topics of their own.

A bank counts in every row the research confirmed for it, so one bank can appear in several.

Next Ranked by fit and timing

Every account ranked by fit and timing, with the reasons attached.

  • Sales
  • Marketing

Each bank scored on two separate questions: how closely it matches TieOut’s ideal customer, and how much dated evidence says now is the moment.

Worth engaging, watch, or leave alone

Three bars put each bank in a group: a fit score, a timing score, and one trait every bank must have, a merger it has not finished absorbing.

  1. Worth engaging 175

    The banks the research marks worth engaging. Each clears all three bars: fit of 21 or more, timing of 55 or more, and a merger it has not finished absorbing.

  2. Watch 448

    Fit of 21 or more, but timing under 55 or no merger still to absorb. These are the banks to watch for a new deal or a timing change.

  3. Leave alone 1,293

    Fit under 21: too far from TieOut’s ideal customer for its timing to matter.

One dot per bank, in rank order. The ringed dots are the fourteen ranked below.

All 1,916 banks, by fit and timing Each dot is one bank, placed at its two scores. The ringed ones open that bank’s analysis.
Worth engaging The rest of the market Opens its analysis Gray dots at fit 21 or more are Watch. Those below 21 are Leave alone.

The fourteen banks whose full analysis you can open

Rank among all 1,916

Ranked by group, then by timing, then by fit. Banks tied on all three share a rank.

Next One standard

One standard, with real examples.

  • Sales
  • Marketing

TieOut’s standard is its ideal customer written down as tests. We wrote it ourselves from public bank data and tested it against real banks. For you, it starts with interviews with your team and your CRM. Every trait a named bank carries comes with a real example: the company, the evidence, the date.

TieOut’s standard

Every bank in the market is read against the tests below. Open any example bank to see its full analysis.

Entry tests

1,916 of 1,916 banks pass all three

What a bank must be to count as part of TieOut’s market at all. These are the firmographics any data provider sells, and every bank in the market passes them, so they cannot tell one bank from another.

Real example

Fit traits

What makes a bank need what TieOut sells. Each one is read from the bank’s own filings, website or job posts, and each count below is an audience.

  1. A merger it has not finished absorbing

    Required

    It is the buyer in a deal, closed or only signed, and the work is not done: the systems are not merged, costs have not recovered, or it is still hiring for operations. Only a bank with this one can be worth engaging.

    256 of 1,916 banks

    Real example

    It took over Adirondack Bank on 1 July 2026. Its filing that day says the banking system conversion and integration is scheduled to be completed later in 2026.

    SEC Form 8-K, 1 Jul 2026 Check it (SEC Form 8-K for Arrow Bank, N.A., opens in a new tab)

  2. High running costs

    It spends a lot to earn each dollar: an efficiency ratio above about 70%, or in the upper half of the usual 55 to 70% range. This scores the level only; a rising ratio counts as timing.

    730 of 1,916 banks

    Real example

    Its efficiency ratio was 72.60% in June 2026: about 73 cents of running costs for each dollar of revenue. It has stayed above 70% on every quarterly report since June 2023.

    FDIC call reports, 30 Jun 2023 to 30 Jun 2026 Check it (FDIC call reports for Ion Bank, opens in a new tab)

  3. Staff growing fast

    Its full-time staff grew by about 15% or more in three years, on its quarterly FDIC report. This measures headcount growth alone.

    376 of 1,916 banks

    Real example

    Its full-time staff nearly doubled in three years, from 73 in June 2023 to 144 in June 2026.

    FDIC call reports, 30 Jun 2023 to 30 Jun 2026 Check it (FDIC call reports for Dream First Bank, N.A., opens in a new tab)

  4. Online banking partway through a change

    Its online banking, mobile app or account opening is partway through a change. After a merger, that is one of the few signs of unfinished work a customer can see.

    228 of 1,916 banks

    Real example

    Over 10 to 13 April 2026 it moved customers of the branches it bought onto its own online banking and mobile app.

    Internet Archive, 10 Apr 2026 Check it (Internet Archive for Security First Bank, opens in a new tab)

  5. Hiring for conversion or back-office work

    It has open roles in loan or deposit operations, reconciliation, core conversion or data migration.

    291 of 1,916 banks

    Real example

    It is hiring a temporary deposit operations specialist for July to December 2026, to reconcile and verify general ledger entries.

    Heritage Bank job posting, Jul to Dec 2026 No link: job ads come down

Timing signals

What makes now the moment for TieOut. These three drive the timing score, which is kept apart from fit, and the standard treats each as current only for a set time after its date.

  1. Just closed a deal

    It has just bought a bank or branches. The legal close starts a conversion with a fixed deadline that runs for several quarters.

    The standard reads it as current for 6 quarters

    Real example

    On 22 April 2026 it took over The First National Bank of Hugo, Colorado, and its three branches.

    FDIC structure record, 22 Apr 2026 Check it (FDIC structure record for High Plains Bank, opens in a new tab)

  2. Costs rising

    Its efficiency ratio, the number bank boards watch most, has worsened over recent quarters: costs are growing faster than revenue.

    The standard reads it as current for 4 quarters

    Real example

    Its efficiency ratio rose about 10 points in a year, from 59.7% in June 2025 to 69.6% in June 2026.

    FDIC call reports, 30 Jun 2025 to 30 Jun 2026 Check it (FDIC call reports for The Fountain Trust Company, opens in a new tab)

  3. Branches opening or closing

    It is opening, closing or selling branches, which changes routing, staffing and reporting, and usually comes with a wider change in how it runs.

    The standard reads it as current for 4 quarters

    Real example

    It closed its West Shaw branch in Fresno and its Bakersfield branch on 24 July 2026, and opened a deposit office in Irvine on 17 August 2026.

    FDIC structure record, 24 Jul and 17 Aug 2026 Check it (FDIC structure record for Community West Bank, opens in a new tab)

Counts against

What lowers a bank’s standing, or disqualifies it outright.

  • Already runs a rival product

    It already runs a competing operations workflow or integration platform. A match counts against the bank.

    22 of 1,916 banks

    Real example Not found

    None of the 14 banks we name runs one, so there is no example to show.

  • Ruled out

    Any one of these disqualifies a bank, whatever else it carries.

    • A credit union
    • Under $300M in assets
    • Over $10B in assets
    • Outside the US
    Real example Not found

    None of the 14 banks we name is disqualified.

Next Dated, sourced facts

Every fact dated, and one click from its source.

  • Sales
  • Marketing

What the research found at NexTier Bank, each fact with the date it happened and a link to the page that shows it.

NexTier Bank, N.A.

A Pennsylvania bank partway through absorbing another bank

Fit
67
Timing
92
Worth engaging

  1. Its merger with Riverside Bank of Dublin took legal effect. Moving Riverside customers onto its systems is expected in November 2026.

    The bank’s own release Check it: Just closed a deal, The bank’s own release, opens in a new tab

    Timing Just closed a deal

    Timing signal

  2. Its quarterly report to the FDIC, the one every insured bank files, shows $2.93B in assets, 313 full-time staff and 34 offices.

    FDIC call report data Check it: The size of bank TieOut sells to, FDIC call report data, opens in a new tab

    Entry check The size of bank TieOut sells to

    Met

  3. Full-time staff grew 17% in three years, from 267 to 313. TieOut’s standard counts growth of about 15% or more.

    FDIC call report data Check it: Staff growing fast, FDIC call report data, opens in a new tab

    Fit Staff growing fast

    Met

  4. Its efficiency ratio fell from 59.5% to 49.2% in three years: it now spends about 49 cents to earn each dollar of revenue.

    FDIC call report data Check it: High running costs, FDIC call report data, opens in a new tab

    Fit High running costs

    Not met

  5. It advertised for a commercial loan servicing specialist in Butler, Pennsylvania. The job includes boarding commercial loans onto the bank’s core system.

    Job board listing No link: job ads come down

    Fit Hiring for conversion or back-office work

    Met

  6. It agreed to buy Riverside Bank of Dublin, Ohio, a bank with about $270M in assets, and merge it into NexTier.

    The bank’s release, archived copy Check it: A merger it has not finished absorbing, The bank’s release, archived copy, opens in a new tab

    Fit A merger it has not finished absorbing

    Met

  7. It absorbed Mars Bank of Mars, Pennsylvania, which makes Riverside its second bank deal in under three years.

    FDIC, the bank’s history Check it: Repeat buyer, FDIC, the bank’s history, opens in a new tab

    Context Repeat buyer

    Met
What it adds up to

The deal has closed and the conversion is expected in November, but its costs are already low. So the research says to open on the conversion date, not on cost.

The research tool’s own record: every trait, with its evidence and sources.

Next Month by month

Your market is constantly moving.

  • Sales
  • Marketing

We re-ran the research on three banks as of the first of each month from June, and again on 18 September, using only what was public on each date. Where something happened, the read moved. Where nothing did, it held.

Three banks, read as of five dates

Replay

Each cell is one read of the bank. The last cell is the published read the rest of this page shows.

How to read the cells: a teal dot means the bank was worth engaging at that read, a ring around it means a score moved past the last read, the mark on each timing bar is 55, and a number on the line before a read is a dated event, listed under the bank.

Butler, Pennsylvania

Fit rose on a job posting and a higher staff count. Timing rose when its merger closed.

  1. After event 1.

    Read as of 1 June 2026: fit 25, timing 85.

    First read: its 8 May deal to buy Riverside is the only fit trait that counts.

  2. After event 2.

    Read as of 1 July 2026: fit 42, timing 85. Fit up 17 on the last read.

    Fit rose: a loan-servicing role posted on 24 June counts as operations hiring.

  3. Read as of 1 August 2026: fit 42, timing 82.

    Held: the deal is still waiting to close, and nothing else has changed.

  4. After event 3.

    Read as of 1 September 2026: fit 67, timing 88. Fit up 25 on the last read. Timing up 6 on the last read.

    Timing rose: the merger closed on 31 August. Fit rose: Q2 staff up 17% in three years.

  5. Read as of 18 September 2026: fit 67, timing 88.

    Held: the operational merger is due in November.

  6. Published read

    Published read of 18 September 2026: fit 67, timing 92.

    The read the rest of this page shows: one run, which could also see job postings.

  1. Before the first read

    Agreed to buy Riverside Bank of Dublin, Ohio.

    PR Newswire, archived copy Check it (PR Newswire, archived copy, opens in a new tab)

  2. Posted a loan-servicing role that boards loans onto its core system.

    Job listing No link: job ads come down

  3. Its merger with Riverside legally closed. The operational merger is due in November.

    PR Newswire Check it (PR Newswire, opens in a new tab)

Elberton, Georgia

Timing fell from 93 to 58 as its systems conversion went from ahead of it to behind it.

  1. After event 1.

    Read as of 1 June 2026: fit 67, timing 93.

    First read: merged on 1 April, with its systems conversion still to come.

  2. After event 2.

    Read as of 1 July 2026: fit 83, timing 84. Timing down 9 on the last read.

    Timing fell: its conversion and rebrand were announced complete on 17 June. Fit rose, but one June run had already read 83.

  3. After event 3.

    Read as of 1 August 2026: fit 83, timing 62.

    Timing slipped, but its three runs split (70, 55, 62), so it does not count as a move.

  4. Read as of 1 September 2026: fit 67, timing 72. Fit down 16 on the last read.

    Worth engaging in 2 of 3 runs

    Fit fell: the read stopped counting its online banking as mid-change.

  5. Read as of 18 September 2026: fit 67, timing 58.

    Timing ends at 58, its lowest, three months after the conversion was done.

  6. Published read

    Published read of 18 September 2026: fit 83, timing 78.

    The read the rest of this page shows: one run, which could also see job postings.

  1. Before the first read

    Absorbed Morris Bank of Dublin, Georgia, and took the name Vallant Bank.

    FDIC record Check it (FDIC record, opens in a new tab)

  2. Announced its systems conversion and rebrand complete.

    Business Wire, archived copy Check it (Business Wire, archived copy, opens in a new tab)

  3. Reported $8.0M of one-time merger costs in its second quarter.

    Business Wire release, on AOL Check it (Business Wire release, on AOL, opens in a new tab)

Mattoon, Illinois

Held: fit 83 and timing 88 to 92 at every read, through a conversion weekend.

  1. After event 1.

    Read as of 1 June 2026: fit 83, timing 88.

    First read: its Two Rivers conversion weekend is set for 12 to 15 June.

  2. After event 2.

    Read as of 1 July 2026: fit 83, timing 88.

    Held: it absorbed Two Rivers on 12 June, the first day of that weekend.

  3. After event 3.

    Read as of 1 August 2026: fit 83, timing 88.

    Held: its 23 July results put $7.1M of Two Rivers costs in the quarter, and neither score moved.

  4. Read as of 1 September 2026: fit 83, timing 92.

    Q2 call report: the first to include Two Rivers, at $9.14B in assets.

  5. Read as of 18 September 2026: fit 83, timing 92.

    Held: the same fit and timing as on 1 September, with nothing new.

  6. Published read

    Published read of 18 September 2026: fit 83, timing 88.

    The read the rest of this page shows: one run, which could also see job postings.

  1. Before the first read

    Bought Two Rivers Financial Group, with its accounts due to convert in June.

    SEC filing Check it (SEC filing, opens in a new tab)

  2. Absorbed Two Rivers Bank & Trust of Burlington, Iowa.

    FDIC record Check it (FDIC record, opens in a new tab)

  3. Reported $7.1M of Two Rivers acquisition costs in its second quarter.

    SEC filing Check it (SEC filing, opens in a new tab)

How we made these: on 29 September 2026 we ran the same research on these banks as of each date, letting it see only what was public then. That means three things: dated news and releases, the Internet Archive’s copies of each bank’s website, and call reports, which come out 45 days after the quarter ends, so 1 September is the first read to see Q2. Job boards keep no history, so a back-dated read sees a posting only if it is still online and carries its own date, as NexTier’s 24 June listing did. Each read is the median of three runs, because one run can drift, and a score counts as moved only when all three runs passed the last read’s range. These are reconstructions, not a record of monitoring.

See every run behind these reads

Each bank’s fit and timing read by read, with all three runs of every read. The numbers on the charts are the events listed with each bank above.

NexTier Bank

Butler, Pennsylvania

Fit rose on a job posting and a higher staff count. Timing rose when its merger closed.

  1. Agreed to buy Riverside Bank of Dublin, Ohio. PR Newswire, archived copy
  2. Posted a loan-servicing role that boards loans onto its core system. Job listing
  3. Its merger with Riverside legally closed. The operational merger is due in November. PR Newswire

Fit how closely it matches TieOut’s ideal customer

0 50 100 2 3 1 Jun 1 Jul 1 Aug 1 Sep 18 Sep Q1 call report Q2 call report 25 42 67 67

Timing how much dated evidence says now is the moment

0 50 100 55 2 3 1 Jun 1 Jul 1 Aug 1 Sep 18 Sep Q1 call report Q2 call report 85 88 88 92

Vallant Bank

Elberton, Georgia

Timing fell from 93 to 58 as its systems conversion went from ahead of it to behind it.

  1. Absorbed Morris Bank of Dublin, Georgia, and took the name Vallant Bank. FDIC record
  2. Announced its systems conversion and rebrand complete. Business Wire, archived copy
  3. Reported $8.0M of one-time merger costs in its second quarter. Business Wire release, on AOL

Fit how closely it matches TieOut’s ideal customer

0 50 100 2 3 1 Jun 1 Jul 1 Aug 1 Sep 18 Sep Q1 call report Q2 call report 67 67 67 83

Timing how much dated evidence says now is the moment

0 50 100 55 2 3 1 Jun 1 Jul 1 Aug 1 Sep 18 Sep Q1 call report Q2 call report 93 84 58 78

First Mid Bank & Trust

Mattoon, Illinois

Held: fit 83 and timing 88 to 92 at every read, through a conversion weekend.

  1. Bought Two Rivers Financial Group, with its accounts due to convert in June. SEC filing
  2. Absorbed Two Rivers Bank & Trust of Burlington, Iowa. FDIC record
  3. Reported $7.1M of Two Rivers acquisition costs in its second quarter. SEC filing

Fit how closely it matches TieOut’s ideal customer

0 50 100 2 3 1 Jun 1 Jul 1 Aug 1 Sep 18 Sep Q1 call report Q2 call report 83 83

Timing how much dated evidence says now is the moment

0 50 100 55 2 3 1 Jun 1 Jul 1 Aug 1 Sep 18 Sep Q1 call report Q2 call report 88 92 88
Every read as a table
Bank Read as of Fit Fit runs Timing Timing runs Worth engaging What the read shows
NexTier Bank 25 25, 25, 25 85 85, 85, 88 3 of 3 First read: its 8 May deal to buy Riverside is the only fit trait that counts.
NexTier Bank 42 (moved) 42, 42, 42 85 85, 85, 88 3 of 3 Fit rose: a loan-servicing role posted on 24 June counts as operations hiring.
NexTier Bank 42 42, 42, 42 82 85, 82, 82 3 of 3 Held: the deal is still waiting to close, and nothing else has changed.
NexTier Bank 67 (moved) 67, 67, 67 88 (moved) 92, 88, 88 3 of 3 Timing rose: the merger closed on 31 August. Fit rose: Q2 staff up 17% in three years.
NexTier Bank 67 67, 67, 42 88 88, 88, 85 3 of 3 Held: the operational merger is due in November.
Vallant Bank 67 83, 67, 67 93 93, 93, 93 3 of 3 First read: merged on 1 April, with its systems conversion still to come.
Vallant Bank 83 83, 83, 83 84 (moved) 58, 84, 85 3 of 3 Timing fell: its conversion and rebrand were announced complete on 17 June. Fit rose, but one June run had already read 83.
Vallant Bank 83 83, 83, 83 62 70, 55, 62 3 of 3 Timing slipped, but its three runs split (70, 55, 62), so it does not count as a move.
Vallant Bank 67 (moved) 67, 67, 67 72 72, 48, 74 2 of 3 Fit fell: the read stopped counting its online banking as mid-change.
Vallant Bank 67 67, 67, 67 58 58, 68, 58 3 of 3 Timing ends at 58, its lowest, three months after the conversion was done.
First Mid Bank & Trust 83 83, 83, 83 88 88, 88, 90 3 of 3 First read: its Two Rivers conversion weekend is set for 12 to 15 June.
First Mid Bank & Trust 83 83, 83, 83 88 82, 88, 88 3 of 3 Held: it absorbed Two Rivers on 12 June, the first day of that weekend.
First Mid Bank & Trust 83 83, 83, 83 88 88, 88, 82 3 of 3 Held: its 23 July results put $7.1M of Two Rivers costs in the quarter, and neither score moved.
First Mid Bank & Trust 83 83, 83, 83 92 88, 92, 92 3 of 3 Q2 call report: the first to include Two Rivers, at $9.14B in assets.
First Mid Bank & Trust 83 83, 83, 83 92 92, 92, 88 3 of 3 Held: the same fit and timing as on 1 September, with nothing new.
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