If you want long passes down the field, go with TowneBank. Watch out for interceptions though.
Banking isn't a great long-term business, since every 5 - 15 years you are going to hit a deep recession. Bigger banks have more resources to survive though ... small banking is really a bad idea.
Don't think you will see regulations lessened for small banks, since they are the ones that go bust. The future lies in big banking.
Study history ... every big recession has been followed by an echo recession a few years later. Another housing bust is brewing now. HBKS looks very well prepared.