Community banking

Rather than jump right away into lending to car buyers, Access National will start by offering CRE and M&A financing to dealerships.

The Trump administration should not name J. Mark McWatters as head of the consumer agency, given his lack of experience overseeing commercial banks and his leadership of the National Credit Union Administration, a cheerleader for the industry it supervises.

Banks, especially smaller institutions, will be forced to find more ways to differentiate, Bryan Jordan said in an interview that also covered his company's recent purchase of Capital Bank and how tax reform will immediately stimulate the economy.

The company sold securities in the fourth quarter to stay below $10 billion in assets and avoid a cap on interchange fees.

Changing political and economic forces are raising new questions about deployment of tax savings and the cost of deposits, while old concerns about cost-cutting, credit quality and risk taking persist or return.