一省级农商行，增持！

Core Insights - Ningxia Huanghe Rural Commercial Bank increased its stake in Ningxia Tongxin Rural Commercial Bank to 46.78% by acquiring 24.9 million shares, up from 21.62% [1][2] Company Summary - Huanghe Rural Commercial Bank now holds a total of 36.25 million shares in Tongxin Rural Commercial Bank, following the recent acquisition [2] - As of the end of 2024, Huanghe Rural Commercial Bank has total assets of 75.756 billion, deposits of 49.745 billion, and loans of 39.075 billion [2] - Tongxin Rural Commercial Bank, established in January 1992, has a registered capital of 52.5 million and serves over 380,000 customers through its 15 branches and 142 rural financial service stations [3] Industry Summary - The reform of village and town banks is accelerating, with over 100 banks completing mergers and acquisitions by August 2025, surpassing the total for 2024 [4] - The government aims to enhance the risk management and transformation of local small financial institutions through various measures, including capital supplementation and restructuring [4] - Experts predict that the restructuring of village and town banks will continue to accelerate, leading to a gradual reduction in their numbers [4]