Another micro-regional worth taking a look at = FHLB https://seekingalpha.com/pr/17406645-friendly-hills-bank-reports-fourth-quarter-results-announces-appointment-michael-j-foley Last earnings report here Profitable and trading a skosh over BV for a larger cap ---> BAYK Tangible book value of $8.11 is a skosh under current ask. Stock is currently quoted at 8.00 x 8.05.