Community Bank Merchant Services

Quality credits are essential to your profitability. Yet community banks often find themselves limited by their size, access to funding, or legal lending limits. When you partner with ICBB, you don’t have to be.

We offer lending solutions for your community bank, regardless of your asset size. Learn more about our credit and lending services here.

Participation Loans

We leverage our vast participation loan network to help community banks like you grow their loan portfolios, meet their community’s credit demands, and service their largest borrowers with a transparent, non-competitive solution. Additionally, we are a resource for loans to banks whose demand for credit is not sufficient in their communities. With a network of hundreds of banks throughout the region, we can help your bank obtain wellstructured, conservative credits with solid yields.

Holding Company Loans and Lines of Credit

We’re ready to help your institution with credit facilities for repurchase of stock, acquisition, capital injection, or funding of defined benefit plans (ESOPs and KSOPs).

Bank Organization Loans

We offer loans for organizational expenses to de novo banks as well as initial bank stock financing for officers and directors.

Director and Officer Loans

ICBB can minimize Regulation O concerns by originating confidential Director and Officer loans with competitive rates and flexible terms.