Bank Advisors Ltd.

Take a moment today to get to know our team & who’s most likely to skip out early on a Friday! 😆 #BankAdvisors #Bankers #Banking #CommunityBanking #Banks

According to a recent S&P Global report, fintech companies are increasingly evaluating bank charters amid intensified regulatory scrutiny on bank-fintech partnerships, especially within banking-as-a-service (BaaS). This heightened regulatory attention has prompted fintechs to assess whether reliance on bank partners aligns with their long-term strategy, leading some to explore the potential of a charter to gain more control. However, obtaining a charter isn’t always feasible for fintechs whose core focus isn’t on traditional deposit-based lending, and few have pursued full applications due to the rigorous requirements and financial commitments involved. The complexities of securing a bank charter extend to compliance, capital requirements, and regulatory alignment with traditional banking standards. In some cases, fintechs may prefer acquiring an existing bank with a robust compliance history and established capital, which can provide a smoother pathway than a de novo application. Yet, as interest grows, fintechs considering a charter need to assess alignment with core business needs and regulatory expectations, positioning themselves to “walk and talk like a bank” if they wish to succeed in today’s regulatory landscape. Bank Advisors is here to help you assess, collaborate, and implement your M&A bank goals for 2025. As fintechs and financial institutions navigate an evolving regulatory landscape and explore the potential of charters or acquisitions, partnering with experienced advisors can streamline decision-making and strategic execution. Reach out to Bank Advisors to discuss how we can support your objectives in this critical growth phase. ☎️ 630-926-2299 💻 www.BankAdvisorsLtd.com #Banking #Fintechs #Fintech #BaaS #BankAdvisors #Bankers #CommunityBankers #Mergers #MergersandAcquisitions Jeffrey Sondgeroth John Cresto

Bankers are facing growing competition from non-bank lenders in the Asset-Based Lending (ABL) space. Ensure your bank is equipped to close the deal with confidence. Partner with Bank Advisors to conduct a thorough ABL Field Exam and stay ahead of the competition. Let’s get the deal DONE! 💼 🏦 ☎️ 630-926-2299 💻 www.BankAdvisorsLtd.com #AssetBasedLending #BankAdvisors #ABL #ABLFieldExam #Bankers #Banking #Banks #NonBanks

Coast-To-Coast Underwriting Listen today as Nik Mijatovic describes one of the benefits of working with #BankAdvisors. 🔈 #OutsourcedUnderwriting #Underwriting #BankUnderwriting ☎️ 630-926-2299 www.BankAdvisorsLtd.com #Banking #Bankers #IllinoisBanks #Banks #CommunityBanks #BankLocal #ChicagoBanks #ChicagoBanking #BankAdvisors #BankServices #OnDemandBanking #OnDemand

Regulatory compliance hot buttons have the attention of examiners, and staying out of the hot seat is more important than ever. 🔥 At Bank Advisors, we specialize in helping banks across the country navigate audits and regulatory exams to keep your bank in good standings. Visit www.BankAdvisorsLtd.com to discuss how we can support your bank’s success. 🏦 🎙️ Content Club Chicago Matt Tilton Jeffrey Sondgeroth #BankAdvisors #ComplianceSupport #Compliance #BankingCompliance #RegulatoryExams #CommunityBanks #Bankers

The regulatory approval process has always been a challenge for non-bank acquirers. It will be interesting to see how the process is affected by these new policies. I suspect it won’t be easier.

Let’s jump into this today! 4 Benefits of a Field Exam: 👉 Collateral Assessment: Ensures the bank has a clear view of eligible collateral to lend against, helping protect against potential exposure in a liquidation scenario. 👉 Accounts Receivable Analysis**: Provides valuable insights into invoicing, aging, credit policies, and collection efforts, offering a deeper understanding of the reliability of accounts receivable. 👉Inventory Accounting: Assesses whether inventory is accounted for using periodic or perpetual methods and highlights any obsolete or slow-moving inventory that may impact the loan. 👉Liability Evaluation: Evaluates accounts payable and other liabilities, giving insight into their effect on the borrower’s overall collateral position. Field exams give banks the clarity needed to make informed lending decisions. Visit www.BankAdvisorsLtd.com to learn more about our services. #FieldExams #FieldAudits #BankAudits #Bnaking #Bankers #MidwestBankers #BankAdvisors

The demand for bank M&A deals is heating up! For every bank looking to sell, we’re seeing 12+ interested buyers in the market. 🔥 If you’ve been considering the next steps for your bank, 2025 might be the right time to explore your options. Visit us at BankAdvisorsLtd.com to discuss what’s best for your bank and board. 🎥: Content Club Chicago #BankingMergers #BankMandA #CommunityBanking #BankAdvisorsLtd #Bankers #Banks

Speaking of strategic planning… In today's digital world, community banks need to harness the power of social media to stay competitive and connect with their customers. Not only does social media offer an authentic way to engage with your community, but it's also a cost-effective alternative to traditional marketing efforts. In this picture, Jeffrey Sondgeroth & John Cresto are being schooled by Nicole Filip of BeeSocial for Community Banks on leveraging social media for Bank Advisors. 💡📱 Not pictured is their heads spinning afterwards! 😂 #CommunityBanking #SocialMediaMarketing #CommunityBanks #SocialMediaForBanks #StrategicPlanning #DigitalStrategy #BankingInnovation #Bankers #BankAdvisors

Here are five key topics community banks should include in their 2025 strategic planning: 1. Employee Retention and Development: Investing in employee retention through competitive benefits, professional development, and a positive workplace culture is critical to maintaining a skilled and motivated workforce. Prioritizing talent can also help attract top-tier professionals in a competitive market. 2. Fraud Prevention and Compliance: Strengthening fraud prevention measures and staying compliant with evolving regulations should be a top priority. Leveraging technology and conducting regular training will help mitigate risks and protect both the bank and its customers. 3. Digital Transformation: Embracing digital banking solutions is essential for enhancing customer experience and staying competitive. Incorporating new technologies like mobile banking apps, online loan applications, and AI-driven customer service can streamline operations and improve engagement. 4. Community Involvement and Social Responsibility: Community banks are pillars of their local communities. Strategic planning should include deepening involvement in local initiatives, supporting small businesses, and demonstrating social responsibility to strengthen relationships and build trust. 5. Customer Experience and Personalization: Developing strategies that enhance customer satisfaction through personalized banking solutions and tailored financial advice can set community banks apart. A focus on building strong, lasting relationships with clients is key to long-term growth. These areas will help community banks thrive while staying aligned with their core values and local impact. Visit BankAdvisorsLtd.com to learn more about us and how our team can assist in your #StrategicPlanning sessions this quarter. #Banking #CommunityBanks #Bankers #BankAdvisors #StrategicPlans