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1、COREEquityResearch5April2019alnrtenI-detcitrsReU.S.Mid-CapBanksLattewithaMortgageontheSide:CategorizingBanks’BranchStrategiesAsbankingtransactionalactivitycontinuestoshifttowardonlineandmobileapplications,banksareright-sizingtheirbranchfootprints.However,theirremainingl
2、ocationsbecomethatmuchmoreimportant,as84%ofaccountholdersstillvisitabranchatleastonceperyear.Proactivebanksrecognizetheneedtoadapttheirbranchformatstomeetconsumers'evolvingbankingpreferences.Webelievethatbanksthatelecttodonothingriskbeingforcedintothenextwaveofindustryc
3、onsolidation.Toevaluatewhereourcoveredbanksstandindeployingtheir"branchesofthefuture,"werecentlyconductedseveralbranchvisitsandheldcallswithbankexecutives.Wealsovisitedafewofthemoreinnovativebranchesofthenation’slargestbankstoprovideperspectiveonourcoverage'sefforts.Web
4、elieveourU.S.mid-capbankscoverage's“new”branchescomparewelltothoseofthelargestU.S.banks.Thebiggestbanksmayenjoyscalebenefitswhenitcomestoinvestingintechnologyandmarketing,buttheseadvantagesarelessclearwhenevaluatingtheirbranches(eventheirstate-of-the-artlocations)vs.our
5、coverage’scomparableofferings.Thisreportreviewstheapproachesourcoveredbanksaretakingwithrespecttotheirbranchnetworksandplacesthemintothreebroadcategoriesbasedontheirbranchstrategies.TheBaristaBankers:Thesebanksarefocusedonredesigningtheirbranchestocreateamoretailoredcus
6、tomerexperienceandenhancebrandawareness.Mostaimforanopenconcept,withuniversalbankersprovidinghighervalue-addedservices.Afewareevenmovingtowardamorecasualcoffeeshopvibe,wherecustomerscancasuallystrollinandhopefullystickaroundforfinancialadvice.NamesinthisgroupincludeASB,
7、BKU,BOH,BPOP,CBSH,CFR,DCOM,FHB,ISBC,OZK,andUMPQ.TheFootprintFocused:Namesinthisgrouparefocusedonrightsizingtheirfootprintstodriveefficiencygains.Thisexpense-savingsfocusedgroupincludes:AMAL,EWBC,FFBC,FHN,FIBK,FULT,HOMB,NYCB,PB,PBCT,SNV,TCF,UBSH,WBS,andZION.TheLessRetail
8、Reliant:We’veheardlittleaboutmajorbranchchangesfromnameslikeSBNY,SIVB,TCBI,andWAL,astheyaremuchmorefocusedonco
