The Smartmarkets Review · Banking

MERGER PRC BRIDGE COHORT

Non-REPLAY institutions on the merger bridge — proximate residents by Me-only, co-trade, and seller-only trade regions. People counts, not dollars. Frozen June 2026 snapshot — SEGMENT1-merger campaign OPEN target.

Pin CVR-8150-2026-07
Frozen receipt · DO_NOT_REFRESH_NOW
Frozen receipt — cohort snapshot 2026-06-30 · not rematerialized @ July CVR platform replay. Refresh only on explicit new merger cohort export.
Me institutions: 58
Bridge edges: 58
Snapshot: 2026-06-30T21:29:58.315535+00:00
Source: tsmr.merger_prc_bridge_org_email_v

PRC bridge is accretive — Me-only plus co-trade plus seller-only proximate residents — never overlap subtraction.

Published pre-close REPLAY exhibits: /review/banking

Cohort rows

Me institutionRankNational PRCThem (seller)Me-onlyCo-trade MeCo-trade ThemSeller-onlyMergedPin
FREEDOM BANCSHARES, INC.81125005365746,301APPALACHIAN FINANCIAL CORPORATION6,39139,91022,935069,2362025-10-04
CORNERSTONE CAPITAL BANCORP, INC.81601346825505,855PEOPLES BANCORP, INC.5,8550040,37546,2302026-03-01
MOUNTAINONE FINANCIAL, MHC81263421235680,949MECHANICS BANCORP, MHC23,94157,00957,0090137,9582026-01-01
SECURITY STATE AGENCY OF AITKIN, INC.811125441162115,683RANDALL BANCORP, INC.5,6989,9866,738022,4212025-09-19
LAWRENCE BANCSHARES, INC.81108080350558,855F&M FINANCIAL CORPORATION35,02223,83219,41156,758135,0242026-01-01
COMMUNITY WEST BANCSHARES81293540594306,406UNITED SECURITY BANCSHARES122,334184,072148,6660455,0732026-04-01
FARMERS NATIONAL BANC CORP.81107119181359,457MIDDLEFIELD BANC CORP235,149124,30899,2300458,6872026-03-02
MINERS AND MERCHANTS BANCORP, INC.812227687114525,499FIRST COMMUNITY CORPORATION25,4990024,09149,5912025-10-01
EAST TEXAS FINANCIAL CORPORATION81142755652757,385TEXAS NATIONAL BANCORPORATION39,11518,27018,270075,6552026-02-07
METROCITY BANKSHARES, INC.81475008632388,772FIRST IC CORPORATION64,05124,72218,77213,509121,0532025-12-02
BANK FIRST CORPORATION811208009254118,401CENTRE 1 BANCORP, INC.118,40100103,738222,1392026-01-01
OVERBROOK BANKSHARES, INC.81106377621279,807NORCON FINANCIAL CORP.9,807007,79917,6062026-05-09
OLMSTED HOLDING CORPORATION81315326022938,199RIVERLAND BANCORPORATION8,199006,48714,6862026-05-09
FARMERS BANCORP INC.811247615115125,336FIRST MALDEN BANCSHARES, INC.18,1517,1851,6515,32032,3072026-01-01
F & M BANCSHARES, INC.81113580671243,243WESTTENN BANCORP INC.43,2430032,28175,5242026-01-01
HERITAGE FINANCIAL CORPORATION812166124116247,434OLYMPIC BANCORP, INC.218,28929,14516,47693,006356,9162026-02-01
FIRSTSUN CAPITAL BANCORP811066713124229,585FIRST FOUNDATION INC.227,8291,7561,422135,071366,0782026-04-01
CITY NATIONAL BANCSHARES, INC.81221545126794,919BIG COUNTRY BANCSHARES, INC.4,919002,8787,7972025-09-02
CITIZENS & NORTHERN CORPORATION81114362335282,335SUSQUEHANNA COMMUNITY FINANCIAL, INC68,26014,07588124,637107,8542025-10-01
CENTURY BANCORP, INC.812043850192711,950WRIGHTSVILLE BANCSHARES, INC.11,950006,44418,3942026-01-17
MERCANTILE BANK CORPORATION812608763143212,526EASTERN MICHIGAN FINANCIAL CORPORATION170,73541,79141,7910254,3172026-01-01
SUNMARK BANCSHARES, INC.81114356678238,880WHEELER BANCSHARES, INC.38,8800018,42457,3042026-01-01
PUEBLO BANCORPORATION81102299775040,391ARK VALLEY BANKSHARES, INC.40,3910017,05757,4482026-03-01
SEACOAST BANKING CORPORATION OF FLORIDA811085013100276,494VILLAGES BANCORPORATION, INC.276,49400112,138388,6322025-10-02
MILLENNIUM BANCSHARES, INC.81494754190233,727NORTH GEORGIA COMMUNITY FINANCIAL PARTNERS, INC.33,7270012,88146,6082025-10-01
BALLSTON SPA BANCORP, INC.81104872838476,251NBC BANCORP, INC.75,53172021627,866104,3332026-04-01
BURKE & HERBERT FINANCIAL SERVICES CORP.81575670495300,898LINKBANCORP, INC.294,1576,74121,37670,616392,8902026-05-01
INVESTAR HOLDING CORPORATION814090054281105,956WICHITA FALLS BANCSHARES, INC.105,9560032,136138,0912026-01-01
NORWOOD FINANCIAL CORP.81236535633385,991PB BANKSHARES, INC85,9910025,462111,4532026-01-05
AMERICAN BANCORP, INC.813824261122623,726NEW REPUBLIC PARTNERS, INC.20,8152,9112,911026,6372025-11-07
PIPER HOLDINGS, INC.81303304557153,808GIFFORD BANCORP, INC.53,8080013,44367,2512026-03-11
PARK NATIONAL CORPORATION81114233689323,836FIRST CITIZENS BANCSHARES, INC.323,8360078,552402,3882026-02-01
VALLANT FINANCIAL, INC.813145966188151,051MORRIS STATE BANCSHARES, INC.151,0510033,890184,9402026-04-01
FIRST MID BANCSHARES, INC.811206760126227,041TWO RIVERS FINANCIAL GROUP, INC.205,61521,42621,4260248,4672026-03-01
HBT FINANCIAL, INC.811208120119234,317CNB BANK SHARES, INC.232,3361,9814,72737,691276,7352026-03-01
QNB CORP.81111843472442,131VICTORY BANCORP, INC, THE42,131008,03450,1652026-04-01
FIRSTBANC OF ALABAMA, INC.81113535647762,598FBDC FINANCIAL CORP.62,5980011,77274,3702026-03-21
FIRST BANK CORP811491360232125,417FIRST STATE BANKING CORP113,71711,7019,6070135,0252026-04-04
CVB FINANCIAL CORP.81102922270443,345HERITAGE COMMERCE CORP443,3450071,601514,9462026-04-18
STOCK YARDS BANCORP, INC.811249730103268,189FIELD & MAIN BANCORP, INC.256,97911,2108,44311,651288,2822026-05-01
GEORGIA BANKING COMPANY, INC.81301633895232,107TANDEM BANCORP, INC.32,107003,82035,9272026-06-01
THIRD COAST BANCSHARES, INC.81447547338875,060KEYSTONE BANCSHARES, INC.72,0593,0021,9553,08580,1012026-02-01
FULTON FINANCIAL CORPORATION81111712931993,139BLUE FOUNDRY BANCORP943,41549,72447,31901,040,4582026-04-01
PNC FINANCIAL SERVICES GROUP, INC., THE811069778511,462,763FIRSTBANK HOLDING COMPANY10,822,302640,461452,828011,915,5912026-01-05
RHINELAND BANCSHARES, INC81490290657053,843GREEN CITY BANCSHARES INC.53,843005,30559,1482026-04-02
NATIONAL BANK HOLDINGS CORPORATION81397388896300,166VISTA BANCSHARES, INC.300,1660028,201328,3672026-01-07
JEWEL BOX FINANCIAL SERVICES, INC.812653071100730,201AMBANC FINANCIAL SERVICES, INC.30,201002,36032,5622026-02-14
BETHANY BANKSHARES, INC.81190500944666,021LATHAM BANCSHARES, INC.65,96853444,74770,8122026-04-18
BUSINESS FIRST BANCSHARES, INC.813488850153184,687PROGRESSIVE BANCORP, INC.183,0591,6283,5657,861196,1132026-01-01
PLATTE VALLEY FINANCIAL SERVICE COMPANIES, INC.81251101440971,470ENEVOLDSEN MANAGEMENT COMPANY69,5541,9161,7861,25374,5092026-03-13
FIRST COMMUNITY BANKSHARES, INC.811478017139216,026HOMETOWN BANCSHARES, INC.216,0260014,876230,9022026-01-24
MID PENN BANCORP, INC.811944204102275,2961ST COLONIAL BANCORP, INC.272,7302,56776014,575290,6312026-02-28
PROSPERITY BANCSHARES, INC.811109599231,308,122SOUTHWEST BANCSHARES, INC.1,278,33629,7867,30517,0261,332,4542026-02-01
FIRST FINANCIAL CORPORATION81120859585339,942CEDARSTONE FINANCIAL, INC.339,942004,741344,6832026-03-01
FIDELITY COMPANY81120377841770,852RAKE BANCORPORATION70,8520093571,7882025-12-06
URSB BANCORP, INC.812589666170814,765UNITED ROOSEVELT BANCORP014,76514,765029,5302026-03-26
TOLLESON WEALTH MANAGEMENT, INC.81319171227014,761TOLLESON WEALTH MANAGEMENT OF DELAWARE, INC.04,7614,76109,5212026-01-01
TECTONIC FINANCIAL, INC.81507797731862,066T BANCSHARES, INC.02,0662,06604,1322026-03-05

Footnotes

(frozen) Frozen receipt — cohort snapshot 2026-06-30 · not rematerialized @ July CVR platform replay. Refresh only on explicit new merger cohort export.

(n1) Sum of BHC proximate-resident catchment (PRC) across the national lattice foots to U.S. census population; methodology precomputed SmartMarkets IP (ATLAS).

(n2) Trade regions are Voronoi partitions — 100% national coverage per ATLAS geotier.

(n3) Institutions with published pre-close REPLAY exhibits are listed at smartmarkets.ai/review/banking.

PRC = proximate-resident catchment (people, not dollars).