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Sterling Financial (STSA)
Spokane, Wash.
Sterling agreed this spring to buy Commerce National Bank in Costa Mesa, Calif. The deal aims to complement Sterling's Southern California lending team that is focused on multifamily loans with a full-service banking office. Look for it to do similar deals in greater Los Angeles.
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Pacific Premier Bancorp (PPBI)
Irvine, Calif.
Steven Gardner, Pacific Premier's chief executive, was on the hunt for liquidity last year because its growing warehouse lending business pushed its loan-to-deposit ratio to nearly 100%. Two bank acquisitions lowered its ratio to 80.6%.
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PrivateBancorp (PVTB)
Chicago
The company regularly reports impressive commercial and industrial loan growth, but analysts say its deposit-gathering ability is lacking. It is viewed as buyer or even a seller. CEO Larry Richman describes its M&A appetite as "opportunistic."
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Southern Missouri Bancorp (SMBC)
Poplar Bluff, Mo.
Its loans rose 11% at June 30 from a year earlier, and its bank's loan-to-deposit ratio was nearing 100%. In June, Southern announced a deal to buy a bank with a ratio of roughly 55%. CFO Matt Funke says it is on the hunt for other deals.
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PacWest Bancorp (PACW)
Los Angeles
PacWest's recent announcement that it would acquire specialty lender CapitalSource was clearly a move to improve loan growth, but CEO Matt Wagner said future deals could include deposit-heavy banks that would be used to fuel CapitalSource's lending.
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Pinnacle Financial Partners (PNFP)
Nashville, Tenn.
Improving its funding is a priority for Pinnacle. It could use its strong stock to achieve its goals through M&A, analysts say. CEO Terry Turner says the company is interested in deals in Nashville or Knoxville, but the list of candidates is short.
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Independent Bank Group (IBTX)
McKinney, Texas
CEO David Brooks said in May that the acquisitive bank was "paying close attention" to the deposit makeup of its targets. In July, it announced it would acquire Collin Bank in Plano, Texas. The target's loan-to-deposit ratio is 53%, compared with Independent's 99.3%.
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Banks In and Around New York City
The New York City region is home to several thrifts that could turn to dealmaking to improve funding before interest rates go up.
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