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How to buy a community bank
- 1. How to Buy a Bank Step by Step Project Management of community banking M&A Provided by www.OwnABank.com
- 2. Overview Process Overview Identifying Stakeholders and Partners What to buy – Creating Requirements Documentation Due Diligence – Managing Risks Pricing and Valuations Factors – Bid Management Definitive Agreement considerations - Contracts Funding – Financial Management Regulatory Approval – Outside Risks Provided by www.OwnABank.com
- 3. Stakeholders and Business Partners Identification of key stakeholders Identification of key business partners Legal Accounting Compliance Management and Strategy Consultants Marketing, Branding and Messaging Consultants Provided by www.OwnABank.com
- 4. What to buy Identifying Targets Create a comprehensive requirements document Defining business needs Why size matters in banking M&A Understanding different Charter types Sources of information FDIC lists Bank and Business Brokers Relationships Provided by www.OwnABank.com
- 5. Conduct Due Diligence Creating comprehensive DD checklists Financials Compliance Systems, Processes and Personnel Understanding FDIC CALL/TFR reports Bank Financials – Balance Sheets, Income Statements, Loan Concentrations etc. CAMELS rating system Peer Group reviews Commonly neglected items Provided by www.OwnABank.com
- 6. Community Bank Valuations Understanding factors that impact bank valuations Franchise or Brand Value Growth rates Branch Network Lines of Business Operating leverage Understanding Multiples Provided by www.OwnABank.com
- 7. Definitive Agreements Seeking Legal Help What is a definitive agreement? Components of a typical DA? Keeping the Regulators in sight Managing Risk prior to Closing Provided by www.OwnABank.com
- 8. Regulatory Approvals Understanding the current regulatory landscape Creating Change of Control Applications New bank director considerations Automatic disqualifiers Biographical and financial data Business Plan changes Provided by www.OwnABank.com