Buy HBKS and play video games
Problem with bank investing is that you have too much homework. First, you have thousands of pages of Dodd-Frank; then it's Basel III; then, it's what exemptions might there be? All that complexity - it's not going to be economical to be a small bank, because the rules will be too complicated. So HBKS is pretty simple - tiny bank; they look at the volume of rules; they are going to sell it. So buy and you're done!