I regularly read the Quarterly Numbers which Citizens must submit to the regulators . It`s really a very well run institution . They maintain one of the strongest balance sheets I have ever seen . They have a ton of capital and a huge market share of the estimated available deposits from this community .
I do sometimes wonder why so many other banks would be willing to fight over the remaining share of deposits .
As far as consumer lending is concerned including mortgages only a small % of a banks consumer loans are generated / originated today from a branch banking system . Branches are all about deposit gathering .
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