What is a Bankers Bank?

Have you lost a loan to your correspondent lately?

How much of your ROA is your correspondent's ROA?

How secure is your customer database?

Your Bankers Bank will never compete for the customers you serve!

Question: What is a Bankers Bank and who owns it?

Answer: By law, a Bankers Bank is a commercial bank owned by bankers, directed by bankers, and chartered only to serve bankers. Any community bank within the geographic area served by a Bankers Bank may purchase stock. Virtually all shareholders do business with their Bankers Bank. But in most states, a community bank does not need to be a shareholder to take advantage of the services offered by a Bankers Bank.

Question: How does a Bankers Bank differ from other correspondents?

Answer: Bankers Banks do not compete for your customers! Correspondent banking isn't a sideline for a Bankers Bank. It's our first and only business! And because we're investors, we're focused on providing superior service, competitive pricing and the most advanced product and service solutions available. In a word, we're in business to partner with you in serving your customers, and to provide the additional resources you need to keep that customer satisfied for the long term. We can help streamline your operations, lower your costs, and enhance your technological capabilities, automating operations where possible.

Question: Can a Bankers Bank provide the comprehensive products and services offered by a major holding company upstream correspondent bank?

Answer: Yes. Bankers Bank products vary somewhat form state to state, but this is a typical menu:

• Consultative problem solving.
• Electronic communications network (on-line correspondent banking).
• Credit card services.
• Participation loans (buy or sell with no limit).
• Direct loans to officers and directors of community banks.
• Federal Funds transactions (buy or sell).
• Bank stock financing.
• Mortgage lending programs.
• Investments, safekeeping and portfolio accounting.
• Compliance and audit consulting.
• Cash letter services/sweep account
• Focus groups and resource sharing.
• Volume discounts on endorsed products.
• International services.

Question: Can a Bankers Bank be acquired?

Answer: Not likely. Because community banks, each of which can hold no more than 5 percent of our voting stock, own us the potential for future acquisition does not exist. It's important to consider that changes in ownership can result in correspondent services being disrupted or discontinued. With a Bankers Bank as your correspondent partner, that won't happen.