New Roseville bank to acquire unopened rival.(Capitol Valley Bank; Silverado Bank)

The mania for bank mergers hit a new stride this week when Silverado Bank in Roseville agreed to be acquired by another before it even had a chance to open.

Roseville's new Capitol Valley Bank, which opened five months ago, agreed to take over Silverado Bank in Organization. Terms of the deal still must be hashed out.

"Without this deal, Capitol Valley and Silverado would be slugging it out forever in that market," said banking consultant Dave Afford. "Capitol Valley gains by eliminating a competitor that never opened. Silverado had a hard time raising capital, so it gains by getting going."

Capitol Valley Bank opened in March with $4.5 million in capitalization put up by …