SunTrust analyst Jennifer H. Demba says that "banks with high loan/deposit ratios and strong loan growth" are looking to increase their funds with acquisitions. As a result, she believes that the valuations of "deposit heavy" banks are set to rise. The analyst says that the following banks have "the most balance sheet liquidity and best core funding" among "deposit heavy" banks: State Bank Financial (STBZ), Central Valley Community (CVCY), Heritage Commerce (HTBK), First Northern Community Bancorp (FNRN), Capital City Bank (CCBG), and Bank of Marin (BMTC). She keeps a Buy rating on State Bank and does not have ratings on the other banks named.