Your market runs on a timetable.

This is what we build for your market: every company ranked for fit and timing, each event dated and sourced, read again every month.

As read 21 September 2026

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US community banks

Fifteen from the top of this run. 1,921 read. On record Announced and ahead Changed between reads
Rank Company Stage Event When Status Fit Timing More
13 Community West Bank Stage 0: Absorbing work with people Systems conversion targeted the third quarter of 2026 Due at the read, announced by the bank 67 88
14 Ion Bank Stage 0: Absorbing work with people Second merger, target close October 2026 Ahead, announced by the bank 67 88
12 Arrow Bank, N.A. Stage 1: Holding steady Adirondack systems transition early November 2026 Ahead, announced by the bank 67 88
11 NexTier Bank, N.A. Stage 3: Absorbing acquisitions without a step change Riverside operational merger November 2026 Ahead, announced by the bank 67 92
15 Bank First, N.A. Stage 0: Absorbing work with people Second acquisition, target close 4 December 2026 Ahead, announced by the bank 67 88
Read 18 to 21 September 2026
4 Dream First Bank, N.A. Stage 0: Absorbing work with people One login; acquired labels gone Previously, 18 Sep: separate login pages Read again 21 September 2026 Changed between reads: now one login page 83 90 Open with, below

Open with

Their costs against income got worse again last quarter, and they are up almost fifteen points on the year. That is a number their board already watches.

FDIC call report, quarter ended 30 June 2026

Raise it with

Shane VerDught, Chief Financial Officer. The cost-to-income figure is reported under him.

Chris Floyd, CEO, President and Board Member: the acquisitions and what they are costing to absorb. Kate Middleton, Chief Risk Officer: controls and examiner evidence across the newly combined book.

The bank’s own team page, read 21 September 2026

Do not

Pitch a replacement.

Competing platform installed: not found
9 The Bennington State Bank Stage 3: Absorbing acquisitions without a step change Mobile app redesigned 1 September 2026 On the record 83 78
10 Vallant Bank Stage 1: Holding steady Conversion announced complete 17 June 2026 On the record 83 78
5 First Mid Bank & Trust, N.A. Stage 0: Absorbing work with people Absorbed a $1.20B bank 12 June 2026 On the record 83 88
8 High Plains Bank Stage 3: Absorbing acquisitions without a step change Absorbed a $151.1M bank 22 April 2026 On the record 100 62
7 Security First Bank Stage 1: Holding steady 11 branches bought and converted 10 April 2026 On the record 83 85
6 Merchants & Marine Bank Stage 3: Absorbing acquisitions without a step change Absorbed a $448.2M bank 1 April 2026 On the record 83 85
1 The Fountain Trust Company Stage 0: Absorbing work with people First acquisition closed 10 March 2026 On the record 100 90 Talk to, below

Talk to, with how sure we are of each

  1. Lucas WhitePresidentConfidence 90
  2. Geoff SmithChief Compliance OfficerConfidence 88
  3. Alexis SummersLoan AdministratorConfidence 75
  4. Kevin M. BennettCyber Security AnalystConfidence 70
  5. Dani ThomasLoan Officer Vice PresidentConfidence 65
  6. Adam WaltersLoan OfficerConfidence 60

Pulled 5 September 2026 from 13 sources
2 Heritage Bank Stage 0: Absorbing work with people Absorbed a $1.65B bank 31 January 2026 On the record 100 90
3 Volunteer Bank Stage 0: Absorbing work with people Absorbed a $1.55B bank 1 January 2026 On the record 100 74

Ask the data

  • What is ahead? 5 of the fifteen on this board, each announced by the bank itself.
  • Who is hiring? 9 of the fifteen have conversion or operations hiring on the record.
  • What changed? 1 of the fifteen: Dream First, read twice in three days.

How to read the board

  1. Rank your market

    Rank, Fit, Timing Two scores for every bank, fit and timing, kept apart.

  2. Group your market

    Stage By operations maturity, fit spreads 31.0 points. By company size, 3.2.

  3. Monitor the movement

    Status What moved since the last read, as at Dream First in three days.

  4. Find the people

    More: Talk to Who would be part of the decision, and how sure we are of each.

  5. Brief every conversation

    More: Open with What to raise first, with whom, and what not to pitch.

Now showingUS community banks, 1,921 read, 175 worth engaging.

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Demonstration
Across the 1,921 banks read, the share and the count of banks
38% run costs high against income 731 banks
13% carry an acquisition they have not finished absorbing 255 banks

Your market’s own timetable, anonymized, is research nobody else can publish.

Fit and timing land on each record in your CRM, the evidence in the portal.

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The company doing the selling, TieOut, is invented. The banks, the records and the dates are real public information.