5 Points: 1) How to get 3x book for your bank...or 0.8x. 2) Software developers replacing branches 3) Conference impressions - tough sledding ahead 4) Capex confusion 5) Loan growth is here!

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For our new readers, 5 Points is a publication of Colarion LLC, distributed about every 2 weeks, focused on the evolution of the bank marketplace from an investor’s perspective. We ar…