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 with you 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 banks, directed by bankers, and chartered only to serve banks. 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 The Bankers Bank differ from other correspondents?

Answer: We cannot compete for your customers! Correspondent banking isn’t a sideline for The Bankers Bank: It’s our first and only business! And because we’re owned by community banks, we’re focused on providing superior service, competitive pricing and the most advanced product and service solutions available.

In a nutshell, we’re in business to help you help 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, enhance your technological capabilities, and automate 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 from 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.
  • 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 The Bankers Bank be sold?

Answer: It’s important to consider that changes in ownership can result in correspondent services being disrupted or discontinued. However, since community banks (each of which can hold no more than 5 percent of our voting stock) own us through our holding company, Bankers Bancorp, the potential that The Bankers Bank might be sold is far less likely than with other commercial banks.

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