This is indeed the Golden Age of Banking as our industry doesn’t get much better than this. Lending growth is strong, deposit costs are relatively low, credit quality is at or near record levels, and efficiency is likely to prove to be a record as well. It is hard not to look like a genius banker in this market. Tax reform alone is the single biggest reason why we may see record earnings from community banks and that is on top of everything else that is going right. In this article, we do a quick recap of the latest earning trends and show why bank value is up.