In the video below, Motley Fool financial analysts David Hanson and Matt Koppenheffer ask the question: If banks have historically gained the benefits of scale and diversification through mergers and consolidation with other banks, why are we seeing no mergers these days? Matt and David discuss some of the factors of the current post-crisis banking environment that have contributed to this and why mergers may take off again once interest rates come back up and banks face a more lucrative lending environment.

David Hanson has no position in any stocks mentioned. Matt Koppenheffer owns shares of Bank of America and PNC Financial Services. The Motley Fool recommends and owns shares of Bank of America and Wells Fargo. It also owns shares of PNC Financial Services. Try any of our Foolish newsletter services free for 30 days. We Fools may not all hold the same opinions, but we all believe that considering a diverse range of insights makes us better investors. The Motley Fool has a disclosure policy.