Is your bank too big to fail or too small to comply? With an ever increasing regulatory burden, many small banks are looking to consolidate with similar sized or slightly larger banks in order to afford the compliance staff and software needed to comply in today’s financial industry, not to mention the experts needed to improve asset quality, liquidity and interest rate risk. Congress and the public are lumping small banks into the same pile with megabanks that seem to flaunt the authority of regulators at every step. We vow to help these small- to medium-sized banks get together with partners in a fair market environment that will benefit all parties involved. We further vow to keep the costs reasonable so bankers will be able to keep more of their bank and give larger returns to investors.

We feel that the cooperative merger environment will result in more effective product delivery to the customer which should increase the customer’s level of satisfaction. The process should also promote efficiencies that will increase the bottom line as well as provide relief to struggling staff. In this manner we think we can help bankers achieve a win-win-win scenario. The investors win with bigger returns, the bankers win with reduced hassle from regulators and the customer wins with an enhanced banking experience.

We also can assist a family bank sell out in the event of lack of any further family involvement in the bank. This can be a trying time with out-of-town heirs demanding money right now. We can help assure investors of a fair price and an efficient due diligence and a timely conclusion to the sale. But, don’t think of us as just another broker. Rather, think of us as fellow bankers here to help you with your problems.

We can also help with training your staff on operational issues and loan administration. We are here to help you help your bank and your investors. If you need help in a transitional situation or a broker to help you, call John Scott at (432) 268-3056. We are here to help you in your time of need.