In the past I have owned a number of bank stocks including but not limited to Mercantile, Boatmen's, UMB, BankIV, Wichita and Commerce. Did very well when Merc, Boatmen's and BankIV. were acquired. I sold off my positions in the acquiring banks because I have always found comfort in owning regional banks where I know and understand the management style. I have been out of UMB for several years because their return on equity has been weak. UMB in my openion is very very conservative, and reward potential is considered to be higher in other equities avail. in the market.
Commerce is well managed and they should be very attractive during the next wave of consolidations that I believe will occur.
I do not consider myself to be an expert on this topic.