Old people getting older every year.
More millennials enter the work force every year.
Less need for big branches.
TOWN is like an old big Cadillac ... great for old people ... but for how long?
TOWN has Internet/mobile banking, but all those fancy buildings are going to be like a lead weight. No bank is going to want to buy them.
TOWN has a little time before older investors catch on ... just like some guys think Morgan Fairchild is still hot.