Investment types and features include, but are not limited to:
- Non-control investments from as little as $2 million
- Preferred stock, debt and, to a lesser extent, common equity – depending on individual bank need and situation
- Pricing – each bank negotiates their own cost of capital with StoneCastle Financial
Criteria
Banks interested in capital investments will need to meet preliminary,
baseline criteria before being referred to StoneCastle Financial for
further investment consideration. The baseline preliminary criterion
includes, but is not limited to the following:
- Operating history of at least seven years
- Banks should not be under any formal regulatory enforcement actions
- Tangible equity to tangible assets greater than 5%
- Recent ROA greater than 50 bps annualized
- Total loans to total deposits less than 100%
- Specific asset quality and earnings metrics
Note: This
is not a full list of the preliminary criteria. Please contact the
Corporation for American Banking's Helen Sullivan to discuss further and
complete a preliminary due diligence form for consideration. For
Institutional Use Only.
NEITHER
THE AMERICAN BANKERS ASSOCIATION NOR ANY OF ITS AFFILIATES, INCLUDING
CAB MARKETING, LLC AND CAB, LLC, HAS PASSED ON, APPROVED OR ENDORSED THE
MERITS OR ACCURACY OF THIS OFFERING OR ANY EXHIBITS ATTACHED HERETO AND
ANY REPRESENTATION OR IMPLICATION TO THE CONTRARY IS UNLAWFUL.
ENDORSEMENTS ARE PROVIDED TO STONECASTLE FINANCIAL THROUGH CAB, LLC AND
ALL SERVICES ARE PROVIDED BY CAB MARKETING, LLC. NO SERVICES OR
ENDORSEMENTS HAVE BEEN PROVIDED DIRECTLY BY THE AMERICAN BANKERS
ASSOCIATION.
Learn more at: www.stonecastle-financial.com