Acquirersmultiple·2025-12-03 23:35Core Insights - The discussion highlights the appeal of FDIC insurance among small depositors, emphasizing the importance of digital engagement for banks to retain customers [1] - The conversation also points to the ongoing trend of mergers and acquisitions (M&A) in the banking sector, driven by the need for digital capabilities and the integration of AI technologies [1] Company Insights - North Shore Trust & Savings Bank, now NSTS Bancorp, is identified as a small bank with a high equity to asset ratio of 29 and trades at 70% of tangible book value, making it an attractive investment opportunity [2][3] - RBB Bancorp, a Korean bank based in Los Angeles, is trading at 77% of book value, offering a 3% dividend and maintaining a 12 equity to asset ratio, indicating potential value for investors [4]