As an organizer of a new bank, you are faced with a seemingly endless array of decision points ranging from those that are long-term and strategic in nature, to those that appear to be less significant and more mundane. In fact, if taken alone, nearly all of these decision points would warrant a significant investment of time and attention; however, the demands of raising capital, building a management team, and developing a vision for the new enterprise can often consume all of your available resources. In recognition of this challenge, Silverton Bank has designed the De Novo Advantage Program focused on helping you address the specific needs of a new institution including: 

• an insurance services subsidiary offering the expertise and product knowledge to design an insurance program tailored to the unique needs of community banks

• a full array of lending services to facilitate both the organizational process and your ongoing loan participation needs, providing assistance and expertise with commercial lending, commercial real estate and specialty finance opportunities

• flexible turnkey operations capabilities that minimize cost and maximize efficiency that begin on day one and continue to grow with your institution

• comprehensive bankcard services including both cardholder and merchant products branded for your institution and designed to allow your institution to share in the interest income generated

• portfolio and balance sheet management services focused on providing the investment management services that meet your specific needs

• consulting resources available to assist in developing value driven strategic plans, site selection and market analysis as well as compensation plans and human resource advisory services tailored to the specific needs and business plan of a de novo institution

• investment banking advisory services to assist an institution’s board of directors in evaluating and quantifying the short and longer term consequences of various business and financial strategies

Through these programs, over 380 dedicated correspondent professionals at Silverton Bank become your partners in the de novo process and beyond. While on the surface many correspondent services appear to be relatively generic in form, the value that is added by the professionals at Silverton Bank is the differentiating factor that will produce both monetary and intangible benefits for your institution in both the short and long-term. Finally, we appreciate this opportunity to introduce our services to you and are eager to have you meet as many of our correspondent professionals as possible. In short, the sooner we begin the partnership process, the sooner we begin adding value to your institution.

De Novo Advantage Program Details







Silverton Bank, N.A. is a national banking association primarily regulated by the office of the Comptroller of the Currency. Deposit accounts are Federal Deposit Insurance Corporation (FDIC) insured. 

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