The Dougherty County Rotary Club chewed over the state of the banking industry today.
Luke Flatt of AB&T believes greed on the part of some banks and consumers contributed significantly to the recent recession.
Flatt said banks are ready to lend money again but borrowers should expect closer scrutiny.
"A customer should want us to help them evaluate their condition fully so that we understand if there any potential problems on the horizon," said Flatt.
Flatt also predicts an increase in bank consolidations with larger banks in the U.S. and overseas buying up smaller banks.