Companies covered: Flagstar Bancorp, Inc. (NYSE:FBC), Seacoast Banking Corporation of Florida (NASDAQ:SBCF), Axos Financial, Inc. (NYSE:AX), First Foundation Inc. (NASDAQ:FFWM), HomeStreet, Inc. (NASDAQ:HMST), Meta Financial Group, Inc. (NASDAQ:CASH), BayCom Corp. (NASDAQ:BCML), First Interstate BancSystem, Inc. (NASDAQ:FIBK), Banner Corporation (NASDAQ:BANR), Western Alliance Bancorporation (NYSE:WAL), Summit State Bank (NASDAQ:SSBI), Trinity Bank, N.A. (OTCMKTS:TYBT), Bank of Marin Bancorp (NASDAQ:BMRC), West Bancorporation (NASDAQ:WTBA)