Four Decades Strong: Highlights from 2025 and What's Next for The Bankers Bank

Happy New Year! We hope it is getting off to a great start. 2026 is a big year for TBB as we celebrate turning 40. We have a lot to share with you about what is upcoming, but it is always important to reflect on how we got here.

2025 was another great year for TBB. ROA remained solid and net income continues to set records. But for extraordinary items in 2024, 2025 was the most profitable year in TBB’s history. One area that needs highlighting is our Loan Department. Rick Lindsey and his team grew TBB’s loan portfolio by almost 30% with zero past dues at year-end and TBB’s Community Bank  Leverage Ratio was 12.8%. Most of our loans are participations from customer banks, meaning that TBB’s strong earnings do not come from high service charges, but from our customers’ customers.

There were pains along the way. The transition to the ISO 20022 Wire format was difficult, and converting to a new check sorting vendor has been challenging. While the financial impact has been manageable, it is the hit to our trusted reputation we take most seriously. We have done a lot of reviews to learn from mistakes and improve going forward. TBB exists to make community banks better and we will do what it takes to accomplish that goal.

To that end, TBB is investing more than ever in technology. You will see positive changes to iWeb and our other tech this year. Core banking products for loans and operations support will continue to improve. TBB’s affiliate companies, Forward in Technology and The Bankers Solutions, are ready to help more banks with more issues than they ever have been.

2025 was another great year for TBB and we fully expect 2026 to be the same. Similarly, TBB’s first 40 years were successful in helping community banks thrive. We are excited to see what TBB can do for you in the next 40 years!