Carnett expects that factor will lead to retrenchments and potential bank failures across the U.S., allowing someone with resources to find good acquisition opportunities. "The story in the banking sector in the next three to five years is going to be the smaller, well-capitalized banks taking market share from the weaker banks due to this credit crisis that we're in right now," said Carnett. "BOKF is in pretty good shape." Lucas said only these new Stillwater and Claremore entries represent in-store operations, which are less expensive to establish.