Banks, thrifts and holding companies

On Sep. 30, 2017. Dollars in thousands.

On Sep. 30, 2017. Dollars in thousands.

Year to date through Sep. 30, 2017. Dollars in thousands.

Full-time equivalent, as of Sep. 30, 2017. Dollars in thousands.

Year to date through Sep. 30, 2017. Dollars in thousands.

Year to date Sep. 30, 2017. Dollars in thousands.

The holding company structure makes sense for large banks with complex business models and small banks looking to bulk up through acquisitions. But for a large swath of banks in the middle, the benefits are harder to spot.

The Dodd-Frank Act included a provision to lock some of the biggest firms into enhanced supervision even if they wanted to exit. But that grasp may not be as strong as it used to be.

On his last day at the agency, Keith Noreika called for scaling back the Bank Holding Company Act, arguing that it burdens banks with duplicative regulation and restricts their economic potential.

CapStar Financial is suing an investor on claims he misled other shareholders and is trying to skirt bank holding company laws.