American Banker discusses banking consolidation and the shrinking community bank landscape. “It’s time, though, to shift the debate from whether big banks should be allowed to merge to even more urgent questions. If banks don’t merge, then what? Does the U.S. want a banking system made up largely of a few giant banks and a few even larger monolithic big tech companies? If not, then banks must grow in size and/or change their offerings if Congress does not apply like-kind regulation to increasingly powerful competitors operating often within the ambit of taxpayer backstops while enjoying immunity from costly regulation.” Read the whole story at American Banker.