We help community banks that feel uncomfortable when they receive a tax-exempt loan request from their public customers such as municipalities, school districts, or volunteer fire departments.

Our partners view us as a resource to compete with the large regional or national banks. They combine our municipal finance expertise with their local personal service to secure relationships in the desirable public market. These types of transactions generate deposit referrals, cross-sale opportunities, and CRA credit.

We have two ways that community banks can benefit from our services:

• Have First Bankers document the transaction for your bank's portfolio
• Refer the transaction to us for our portfolio and earn fee income from the referral.

Document for the Bank's Portfolio

• We document and guide the local municipality to a complete and legal tax-free obligation for your bank's loan portfolio.
• The municipality or the bank will pay a fee to First Bankers for our services.

Earn Fee Income for Referral

• We document and guide the local municipality to a complete and legal tax-free obligation for our portfolio.
• First Bankers will pay a fee to your bank for the referral.