Industries
Banks & Credit Unions
Capital markets and strategic advisory for community banks, regional banks, and credit unions navigating balance sheet optimization, portfolio monetization, and strategic transactions.
Capital markets and strategic advisory for community banks, regional banks, and credit unions navigating balance sheet optimization, portfolio monetization, and strategic transactions.
Community banks and credit unions face structural pressure from margin compression, regulatory burden, and competition from national banks and fintech lenders. Net interest margins have compressed 40-60bps over the past decade while compliance costs have doubled. Most institutions lack the scale to build proprietary capital markets capabilities yet need sophisticated funding alternatives beyond traditional deposit gathering.
Private securitization, whole loan sales, and strategic partnerships offer depository institutions tools to reduce funding costs, optimize balance sheets, and generate fee income—without building permanent capital markets infrastructure or sacrificing community relationships.
Unrated private label ABS reducing funding costs 120-200bps versus deposit funding while generating ongoing servicing revenue. Common for auto loans, consumer installment loans, and equipment finance portfolios.
Learn more →Whole loan sales and committed forward flow programs providing predictable liquidity and balance sheet relief. Allows institutions to monetize origination capabilities without permanent balance sheet exposure.
Learn more →Buy-side and sell-side advisory for bank acquisitions, branch divestitures, and business unit carve-outs. Includes regulatory approval navigation, integration planning, and valuation analysis.
Learn more →Subordinated debt, preferred equity, and regulatory capital solutions optimizing ROE and capital ratios. Includes Tier 2 capital raises, TruPS refinancings, and balance sheet restructuring.
Learn more →$150M Auto Loan Securitization: Regional bank structured unrated private ABS reducing funding costs from 4.5% (deposit funding) to 2.9% (all-in securitization cost) while retaining 35bps servicing fee. Transaction freed $6M in Tier 1 capital for new originations and established template for quarterly issuance.
$200M Equipment Finance Forward Flow: Credit union negotiated committed forward flow program with institutional buyer providing 90-day settlement and 50bps premium to whole loan market pricing. Structure allowed credit union to maintain origination relationships while eliminating balance sheet concentration risk.
Community Bank Strategic Sale ($450M Assets): Founder-owned community bank completed competitive auction process resulting in 1.65x tangible book sale to regional acquirer. Transaction involved regulatory approval navigation, employee retention agreements, and branch integration planning.
Schedule a confidential consultation to discuss how capital markets solutions can reduce funding costs and improve ROE without building permanent infrastructure.
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