As we welcome 2023, I am first happy to report that 2022 was another incredible year for TBB and our subsidiaries, BPSI and FIT. At the Bank, our net income was over $3,000,000 and our ROA was 1.46% (compared to less than 1.0% by our peer group). It was one of the best years in the bank’s history. As a quasi co-op, we are excited to be able to turn these profits into dividends to our shareholders as well as use towards research and development to give our customer banks the t

Much has been written about the staggering level of unrealized losses in community bank securities portfolios triggered by the rapid rise in interest rates in 2022. Tangible capital ratios fell to low single digits or even negative due to these losses being recorded in the banks’ capital accounts as “other comprehensive income” (bypassing the income statement). At the end of the third quarter 2022, the average loss, as a percentage of the investment portfolio book value, was

We are fresh off the TBB Road Shows and I was so glad to see so many friends. We hosted almost 200 people in five cities and discussed new iWeb features, faster payments, cyber security, cryptocurrency, and capital lending alternatives. Importantly we learned what we do well and what we can improve upon. If we missed you, please let us know what we can do better and what services you would like to see from your correspondent bank. For 2022, the good news is that things are sh

Bankers Bancorp Annual Shareholder Meeting  Friday, March 24, 2023 The Bankers Bank Golf Classic Monday, June 12, 2023

According to research firms, subordinated debt offerings by bank holding companies (BHCs) have grown significantly in the past few years. There appear to be two main drivers of this trend. First, low interest rates made high dollar issuances with longer terms more appealing. Second, in 2018, the asset threshold to qualify for the Small Bank Holding Company Policy Statement was raised from $1 billion in consolidated assets to $3 billion. When BHCs meet the criteria for the Pol

Thank you to everyone who took the time to join The Bankers Bank on our 2022 Road Show Tour! It was great to see and visit with those of you who were able to attend. If you could not be with us in person, we missed you. We shared a lot of information both on iWeb and some industry topics. If you would like to review what you heard or see what we discussed, the slide show from those events has now been  posted on our website . A white paper on Multifactor Authentication can al