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But the firms continue to close faster than new ones open, suggesting consolidation remains an industry trend.

Men usually outpace women on finance quizzes and surveys. But there's one crucial question more women get right.

Derek Williams is the president and CEO of Century Bank & Trust in Milledgeville, Ga., and the chairman of Independent Community Bankers of America.

Luke Cornetta is a director with Alvarez & Marsal Taxand in New York. He specializes in implementing low-code/no-code solutions to optimize and automate tax department processes and has worked across industries including investment management, energy, consumer retail and agriculture.