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de novo

BID Newsletters
De Novo Formation – Part 2: Executing the How
In this second de novo formation article, we look at the "how." As regulators ease the requirements to start de novo banks, and industry consolidation creates attractive reasons to do so, CFIs interested in doing so need to know exactly what the process entails. Here we lay out the seven "how-to" steps.
De Novo Formation - Part 1: Start with the Why
The “why” behind a de novo should matter more than the charter process, the investor pitch, or the regulatory checklist. If you don’t start with a compelling customer problem, everything that follows can be misaligned. Here's why the "why" matters when forming a de novo.
Can Tax Incentives Spark New CFI Formation?
De novo bank charters have stagnated for the last fifteen years. Oregon and Ohio are offering tax incentives to encourage de novo growth, and government legislation may be on the horizon.
New Community Banks: When De Novo Formation Makes Sense
De novo bank charters are rising again. Learn why teams are launching new community banks in 2026, the capital and tech hurdles they face, and when acquisition or partnership may be the better path.
New Bank Formation May Get a Boost from Congress
A bill to boost new bank formation could help communities that have seen gaps in banking services arise as a result of the shrinking number of community banks.