Cost-cutting might preserve your efficiency ratio for a quarter or two, but innovation and differentiation are what build sustainable value over decades. 

As digital transformation has swept through financial services it has forced bankers to continue asking: what does it mean to be a community bank? One of our portfolio companies has been helping community banks hedge their exposure to regional disasters will reinforcing their dedication to their communities even as tragic recent events have sparked new fears for banks serving their communities.

While broad trends may provide stability, they often lead to incremental improvements rather than true differentiation