ICBB understands that quality credits are essential to the profitability of a community bank.
We routinely assist our customers by purchasing loans over their legal lending limit, thereby allowing them to service their largest borrowers with a transparent and non-competitive solution. Additionally, we are a resource for loans to banks whose demand for credit is not sufficient in their communities. For banks looking to grow their portfolios, ICBB offers high quality loan participations to shareholder banks. With a network of hundreds of banks throughout the region, we can help your bank obtain well- structured, conservative credits with solid yields.
It’s as Easy as 1-2-3
1
Join Our Participation Loan Network
Just let us know you want to join! We take care of the rest.
2
Evaluate Loan Opportunities
We share an opportunity memo for each loan opportunity with your team, so you can decide if you’re interested.
3
Due Diligence & Underwriting
We do ours, and you do yours. If interested, our team will securely share loan documents for further review by your team.
4
Loan Closing
Once all the i’s have been dotted and t’s have been crossed, it’s timefor the loan to close! The lead bank and participants begin collecting interest income.
5
Monitoring
Depending on the loan type and loan agreement, we’ll collect the required financial statements from the lead bank to ensure the quality of the loan.
Featured Loans
At ICBB our team has funded participation loans large, small, and all over the map. Here are just a few examples:
$3,000,000
Eastern Kentucky
Non-Farm/Non-Residential
$5,100,000
Central Kentucky
Construction/Developmen
$16,800,000
Southern Illinois
Construction/Development
$11,250,000
Southern Ohio
Construction/Development
$2,610,000
Central Kentucky
1-4Family
$3,100,000
SouthernKentucky
Multifamily
$15,500,000
Western Tennessee
Construction/Development
$5,600,000
Southern Indiana
Commercial&Industrial
Ready to Get Started?
Contact us and we’ll walk through the next steps together.
