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Gustav L. Schmidt, Shareholder with Gunster in Fort Lauderdale. Gustav L. Schmidt, Shareholder with Gunster in Fort Lauderdale.

One of the most significant issues impacting community banks over the last decade has been the effect of increased regulation on community banks’ bottom lines. In the wake of the Great Recession, state and federal governments have overhauled the bank regulatory regime in an attempt to address the problems that led to the market turmoil in 2008 and to prevent future credit crises. However, these new regulations disproportionately impacted smaller community banks because they do not have the same resources to effectively and efficiently handle the increased regulatory burdens. As a result, smaller financial institutions have been considering options to reduce their regulatory costs and burdens and increase profitability. A few banks have sought to accomplish this by eliminating their holding companies.

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