In order to keep the banking industry alive, banks need to have higher points of entry and bankers need to protect themselves from bad bankers, an article in the American Banker suggested.  

Banks are starting to expand, but with the recent growth, there are not enough talented lenders and bankers to fill newly created positions, the article explains. 

Our reality is that even great bankers cannot succeed when forced to compete in markets where rapid new bank formation rates dilute the pool of skilled bankers, wise directors and experienced regulators.