BXS recently announced 23 branch closings, 8 in MS. This is language from an article referencing same: “The company said the planned closings and consolidations result from limited business volume and not enough growth to support the normal and routine expenses required to continue operating,” According to my math & figures from the FDIC web site, I provide the following: TRMK has 132 branches in MS with average deposit of $45.6M. With BXS closings, BXS will have 103 branches in MS with average deposit of $48.5. Presently, 68% of TRMK’s branches have less than average: 70% of BXS’s branches have less than average. If memory serves me correctly, TRMK’s acquisition of Heritage Bank will give TRMK 8 more branches with below deposits. "The ever increasing regulatory and compliance costs and complexity are making it more difficult for the traditional community bank to independently produce long term attractive returns to sharehlders."http://www.thestreet.com/_yahoo/story/11115242/1/10-community-bank-ma-targets.html?cm_ven=YAHOO&cm_cat=FREE&cm_ite=NA I suspect TRMK management frequently monitors branch profitability or potential thereof. It would not surprise me however if TRMK would not find it advantageous to close several MS branches as BXS is doing. On another note, I suspect TRMK management to be evaluating the branches on the Gulf Coast from the forced HBHC/WTNY liquation. Finally, congratulations to TRMK for the election of an independent Chairman of the BOD.