For bank leadership and transaction teams
Test what an acquisition target actually adds.
Separate attractive deposits and market whitespace from branch overlap, customer attrition, concentration, and local-brand risk.
The footprint map is the beginning, not the case.
A target can fill geographic whitespace and still create weak economics, concentrated overlap, or avoidable customer loss. Each part of the case needs its own source and assumption.
Deposit quality
Branch-level deposits, market position, product mix, growth, and customer concentration show what sits behind the headline total.
Footprint fit
Branch overlap, market adjacency, customer geography, and competitor presence show where the target extends the franchise and where it duplicates it.
Retention risk
Brand changes, branch consolidation, product migration, and relationship ownership become explicit assumptions instead of a single haircut.
A target brief with every assumption named.
Deposit profile
Reported deposits, growth, market share, branch concentration, and the parts of the base that matter strategically.
Footprint analysis
Overlap, whitespace, adjacency, branch density, and customer geography displayed in one market frame.
Retention register
Documented assumptions for deposit attrition, branch consolidation, brand transition, and relationship continuity.
Executive brief
The strategic case, the risks that can change it, and the diligence questions that need an answer before the next decision.
Acquisition and Footprint Analysis
The scope follows the target, markets, and diligence stage. The work can begin with public information and become more specific as internal branch, customer, and product data are available.
You receive the market case, overlap analysis, and retention assumptions in one brief.
Bring the target and the question the board needs answered.
We will separate public facts from institution assumptions and identify the diligence that could change the recommendation.
Primary public-data sources
- FDIC Summary of Deposits for branch deposits, deposit market share, and market-presence reporting.
- FDIC Data Tools for institution history, mergers, branch structure, and financial reports.
- NCUA Call Report data for federally insured credit-union financial and institutional information.
- U.S. Census Bureau American Community Survey for demographic, household, housing, and economic context.