Do you need a bank holding company?

Description

Abstract: For years, the vast majority of U.S. banks have used a bank holding company (BHC) structure. Recently, however, several prominent regional banks have elected to shed their BHCs by merging them into their subsidiary banks. This development has many community banks wondering whether the BHC model has become obsolete. This article discusses the pros and cons of using the BHC structure. A sidebar looks at the advantages of small BHC status.