Jeff Cardone presented at M&T Bank’s and The Bonadio Group’s 2019 Financial Institutions Seminar on November 12 and November 13, 2019 in Syracuse and Albany, NY.  The presentation titled “Next Steps – Different Alternatives to Raise Capital, Merge, Acquire or Be Acquired” discussed different capital alternatives for community banks, including the new Community Bank Leverage Ratio, and emerging trends with respect to community bank M&A transactions.