After a string of successful Louisiana bank acquisitions that accompanied a dramatic turnaround, New-Orleans-based Hibernia Bank moved into Texas with the acquisition of Texarkana National Bank (TNB). The mismatch of markets, products, and strategies between parent and target, exacerbated by geographic distance, caused major market-share losses and internal upheaval at TNB. John Ulmer, sent to manage the turnaround, is informed by top management the day he arrives that he does not have their support. The purpose of the case is for students to (1) understand the role of consolidation in the changing financial services sector, (2) to learn how one company manages the post-merger-integration (PMI) process, and (3) to plan their own PMI process under turnaround conditions.