美联储批准五三银行109亿美元收购联信，全美第九大银行出炉

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美联储正式批准五三银行(FITB.US)对联信银行(CMA.US)的收购案，此举被视为监管机构对2025年大型银行并购交易"开绿灯"的关键信号。根据公告，五三银行于去年达成协议，将以约109亿美元股票交易收购联信银行，合并后资产规模将达约2880亿美元，届时有望跻身美国第九大银行行列。据了解，在特朗普政府推进金融去监管政策的背景下，美国地区性银行正加速整合进程以分担技术升级与合规管理成本。作为长期...

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Spence表示，联信银行专注中型企业商业银行服务，恰好补齐五三银行短板;其零售存款基础较小，也在利率波动加大的环境下为资金结构提供更多灵活性。交易完成后，五三银行总资产将突破2500亿美元关键门槛，面临更严格的资本、流动性与合规要求。Spence称，该行自竞购破产的第一共和银行(FRCB.US)以来已筹备新规多年，预计不会干扰财务表现。Spence表示：“我们将依托五三银行成熟的零售业务纪律性及其验证有效的全新网点拓展策略，在联信银行已有市场基础的得克萨斯州确立领先地位，同时将联信银行在中端企业市场的专业信贷能力与风险管控文化向合并后的全平台系统化复制。”联信银行 CEO Curt Farmer也曾在分析师电话会上坦言，地区银行危机期间，该行因大额商业存款集中而更易遭遇存款流失，被迫收缩贷款并退出部分业务。“缺少更细碎的零售存款基础，让我们的存款更容易‘飞走’，恢复起来颇费时间。”Farmer透露，一年多前联信银行董事会已启动战略评估，先后考虑过收购与内生性增长，但未找到合适标的，遂转向出售。与五三银行的谈判始于夏季前，第三季度趋于深入，最终敲定。“时机是关键。在当前环境下，规模确实能带来差异。”Farmer表示。值得一提的是，去年其他大型交易还包括：PNC金融服务集团(PNC.US)以约41亿美元收购First Bank(FRBA.US)，获得268亿美元资产及科罗拉多、亚利桑那网点;Pinnacle Financial Partners(PNFP.US)与Synovus达成86亿美元全股票合并。交易完成后，联信银行股东每1股将换得1.8663股五三银行股票;五三银行股东将持有合并公司约73%股份。高盛与Sullivan & Cromwell分别担任五三银行的财务顾问与法律顾问;摩根大通与Wachtell, Lipton, Rosen & Katz分别担任联信银行的财务顾问与法律顾问，Keefe, Bruyette & 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