Small banks, big problem.

The article focuses on the need for small banks in New Jersey to grow amid the improvement of the banking ecosystem of the state. It mentions the apparent near extinction of the 22 banking institutions in the state that fall below the 200 million in assets threshold, the imposition of consolidation on smaller, community banks and the financial challenge facing small banks when complying with the regulatory framework. It also notes a merger trend in which banks merge to address weak areas.