Market price down signifcantly from IPO offering price. Too many employees from failed bank still running things, senior management in NYC area and only visits bank periodically, very high non-interest expense (personnel expense a large contributor), etc. High employee turnover, buying home loans to prop up loan levels (buying home loans in this market??), etc. Pressure to grow will impact criticized and classified loan levels a few years from now. Too many alternative investments out there that are doing better than bank investments.