Partner with a correspondent banker

Partner with us and we will help you enhance your customer relationships. As your bank grows, we’ll help you meet your needs. We offer your bank flexible underwriting, terms and pricing on loans – plus the fast decision-making you need.

As your customers grow, so do their credit demands. By participating part of the relationship, you provide your customers with loan products that grow with their needs. You can enhance your loan yield by retaining a servicing fee and free up bank liquidity by selling a portion of the loan.

Why Bell

Our correspondent banking experts will get you clear answers and fast decisions. Learn how to choose the right partner.

Connect with Us

We offer your bank flexible underwriting, terms and pricing on loans – plus the fastest decision-making around. Let's make it happen.

Our correspondent bankers have established partnerships with over 200 banks in Arizona, Idaho, Illinois, Iowa, Kansas, Minnesota, Missouri, Montana, Nebraska, North Dakota, South Dakota, Wisconsin and Wyoming. We can assist banks with:

Competing Against the “Big Guys”

At Bell, we take pride in the lending partnerships we’ve established with more than 300 other independent community banks in our region. We’ll help you enhance your customer relationships – and as your bank grows, we’ll help you meet your needs.

Our dedicated correspondent banking and credit team provides you with:

  • Flexible underwriting

  • Competitive lending terms and pricing

  • Fast decision-making

  • Consistent communication

We offer loans and services related to:

  • Participation loans

  • Commercial loans
  • Agricultural loans
  • Bank stock and ownership loans

  • Bank building financing

  • Business and personal loans for bankers

  • Personal trust, retirement and asset management services
    Not FDIC insured | May lose value | Not financial institution guaranteed | Not a deposit | Not insured by federal government agency

  • 401(k) retirement plans for banks
    Not FDIC insured | May lose value | Not financial institution guaranteed | Not a deposit | Not insured by federal government agency

In providing any of these services, we become the behind-the-scenes partner, helping you work in a larger relationship without threatening your relationship with your customer. We will not cross-sell other bank services to your customers.

Our correspondent banking promise to you

In providing correspondent services, we become the behind-the-scenes partner, helping banks work in a larger relationship without threatening their customer relationship. We will not cross-sell other bank services to your customers.

We’re interested in helping other independent community banks compete against “the big guys.” Learn how to choose the right correspondent banking partner.

Contact one of our correspondent bankers about your request! Call Tom Ishaug at 701-866-4676, Gary Keller at 701-371-3355, Gene Uher 605-201-1864, Mary Voss 515-577-0070, Denise Bunbury 608-234-1438, or Tracy Peterson 480-259-8280.

We can give you an indication of our interest quickly, without your loan committee sending us your full request package – that can come later. This makes your job easier and limits the time you need to spend searching for a correspondent bank.

 

Participation Loans

As your customers grow, so do their credit demands. By participating part of the relationship, you provide your customers with loans that grow with them. You can enhance your loan yield by retaining a servicing fee and free up bank liquidity by selling a portion of the loan.

Participation loans give you:

  • Greater flexibility in working with liquidity and lending limits Purchasing and selling loans involving credit transactions helps you resolve these issues and manage the concentration risks of your loan portfolio in:

    • Commercial and industrial

    • Real estate

    • Agribusiness

  • Additional loan capacity If you need more loans, we can sell you portions of loans we have originated.

  • Loan terms You set the terms, we help you do the deal.

  • Confidentiality All financial information is, of course, confidential. It is not our intent to be a commercial “player” in your market, and we will not pursue your customers for additional business.

  • 100% of the amount we purchase will be held in the portfolio. We don’t purchase and subsell portions of the participations we buy.

Generally, the lead bank retains a service fee but shares origination fees on a pro rata basis.

When working with a correspondent bank, it’s important to make sure you have a strong partner on your side. Learn how to make the right choice.

Contact one of our correspondent bankers about your request! Call Tom Ishaug at 701-866-4676, Gary Keller at 701-371-3355, Gene Uher 605-201-1864, Mary Voss 515-577-0070, Denise Bunbury 608-234-1438, or Tracy Peterson 480-259-8280.

Bank Stock & Ownership Loans

We are pleased to provide funding for loans including risk-based capital, acquisitions, refinancing, Sub S restructuring and ESOPs.

We are pleased to provide funding for bank stock loans for:

  • Regulatory capital requirements

  • Acquisitions

  • Refinancing

  • Sub S restructuring

Typically, these types of loans feature:

  • Structure tailored to your needs Depending on your needs, we will structure an interest-only period followed by a 10- to 12-year amortization.

  • Security These loans are normally secured with the stock of the bank.

  • Valuation We will advance up to 50% of the book value of the outstanding stock. Advance rates may be lower on de novo banks, banks with higher risk profiles, or those with higher than average growth rates.

  • Guarantees We generally require personal guarantees of all individuals or entities with 20% or more of the outstanding stock.

We also offer business and personal loans to:

  • Bank owners

  • Insiders

  • Directors

  • Managers

  • Officers

These loans may be secured or unsecured, depending on borrower qualifications. We tailor terms and conditions to fit your needs. Loans secured by holding company stock are limited to 50% of the book value with amortization up to 10 years.

When working with a correspondent bank, it’s important to make sure you have a strong partner on your side. Learn how to make the right choice.

Contact one of our correspondent bankers about your request! Call Tom Ishaug at 701-866-4676, Gary Keller at 701-371-3355, Gene Uher 605-201-1864, Mary Voss 515-577-0070, Denise Bunbury 608-234-1438, or Tracy Peterson 480-259-8280.




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Save thousands!

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