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Strategies & Market Trends : Value Investing -- Ignore unavailable to you. Want to Upgrade?

To: Madharry who wrote (24993)	10/12/2006 9:18:16 PM
From: Spekulatius	Respond to of 78740

The math i have been describing (efficiency ratio of 65% for a small bank versus 50% for a large bank) is generally correct but of course the question is if they can hang on to their customer through the merger and integration. There are pretty successful acquirers that do merger as a growth path but many stumble as their integration does not work and they aliniate their customers. I am with BAC and have received bad service in the local downtown branch but pretty decent service in neighbourhood branch where i live now. I like about them is they have ATM's everywhere and my checking account and online banking (which is pretty good, IMO) is free.