Lending Services Assisting your institution in handling its lending needs is a prime focus at MNBB. Our staff of experienced bankers brings a deep understanding of your needs and those of your customers. As your lending partner, we ensure solid credit quality, while maintaining competitive pricing and personalized attention. Our staff is ready to assist you in satisfying your customer’s request in a timely manner. Bank Stock Financing MNBB offers stock financing options for the following: capitalization of de novo institutions, loans to individuals or holding companies, providing capital to existing organizations, purchasing control or minority stock in financial institutions, refinancing or existing debt, and ESOP and KSOP loans. Loans to Senior Officers and Directors As a special courtesy we offer loans to Senior Officers and the Board of Directors of our shareholding banks and our bank customers. Regulation O considerations make our secured lending service a valuable option. Overline Assistance and Participations MNBB can assist your bank with any legal or in-house lending limit concerns that you face with your customers. In addition to purchasing loans that we hold in our own portfolio, we have a network of community banks interested in purchasing and selling loan participations. You approve which banks can participate on every loan presented. Our goal is to make you more competitive through our timely response to every participation request. Lending Services Benefits: Always dealing with an ally and never a competitor Efficient processing of requests with quick turnaround Eliminates lending limit concerns Assured of confidentiality with participants Loan Review Services MNBB loan review personnel will conduct a review of your loan portfolio on site in your bank. This loan review can be tailored to the size and scope that best meets your needs. This service is valuable to our bank customers for a variety of reasons. First, a timely loan review is a great way to prepare for an upcoming examination. Also, by outsourcing the loan review, personnel costs can be saved and lending staff can focus on other duties and responsibilities. Lastly, it is always a good idea to get an impartial and independent review of your credits, loan loss reserve, etc. The costs for this service are totally dictated by the size and scope of the portfolio review as requested by the customer bank. For more information about Lending services, please visit our Contact Us page or contact your business development representative at 800-421-6182.

Member FDIC