Centrant Community Capital
Affordable Housing Lending
Centrant Community Capital is a mission-driven lender, leveraging the resources of the banking industry to finance the creation and preservation of quality affordable housing.
Established in 1990, we provide first-lien, permanent financing for apartment communities that are affordable to low- to moderate income households. As a member of Centrant Community Capital, your institution will have the opportunity to participate in low-risk multifamily loans that offer CRA credit and attractive interest yields. This consortium model enables member banks of all sizes to support community reinvestment efforts in the markets they serve in a safe, profitable manner.
With nearly 100 member financial institutions of all sizes, we are one of the largest consortia of our kind in the nation. To date, we've provided over $375 million in loans to support the development of over 20,000 units in nearly 400 communities across the Southeast.
- All loans offered for subscription on a voluntary basis - participation is never mandatory
- Select loans that meet your investment, portfolio and CRA goals, at a level that is right for you
- Centrant Community Capital provides on-going support for every loan in our portfolio, including servicing, payment remittance, asset management and annual property inspections
- Exceptional portfolio performance - our loss history to date is less than 0.3% of total loans
To learn more, email
, Executive Vice President or call him at 919-781-7979.
Computer Services, Inc. (CSI)
Computer Services, Inc. (CSI) simplifies the complexity of financial technology for you. Our cloud-delivered technology performance, compliance and security managed services are built on decades of financial industry experience and continuous investment in innovation. Whether through a fully outsourced or co-managed relationship, CSI's flexible service model maximizes your IT operations and alleviates your technology burdens so that staff can focus on more strategic initiatives.
For more information, email
or call her at 720-676-9175.
CRA Partners Powered by the Senior Housing Crime Prevention Foundation
CRA Credit Program
CRA Partners is a compliance solution you can feel good about. Since our inception in 2000, we have helped banks across the country earn guaranteed CRA credit for ensuring safe senior living environments through our turnkey crime prevention program, Senior Crimestoppers. Funded exclusively by the banking industry and endorsed by the ICBA and bankers associations in 43 states, Senior Crimestoppers protects low- to moderate-income seniors living in senior housing facilities, HUD communities and state veterans homes from theft, abuse and neglect.
Unlike some CRA opportunities, our 225 bank partners see the impact of their funds firsthand. We provide flexible funding options so banks can get involved through a community development loan, community development investment or a grant – it all depends on your bank’s CRA needs.
- CRA-qualified loan, investment and service test credit
- 100% turnkey solution, no administrative burden
- Flexible, low-risk funding options
- Detailed LMI documentation for CRA exam
For more information email
or call him at 901-529-4781, or visit www.SHCPFoundation.org.
Federal Home Loan Bank of Dallas
Community Advance Programs
FHLB Dallas offers three community advance programs that support local investment. These programs provide favorably priced solutions that support the affordable housing and economic development efforts by its member institutions.
- Community Investment Program (CIP) provides favorably priced advances to assist members in funding affordable housing, qualified economic development projects and community revitalization in targeted communities.
- Economic Development Program (EDP) provides favorably priced advances to assist members in funding qualified economic development projects and community revitalization in targeted communities.
- Disaster Relief Advances Program (DRP) Favorably priced advance funding to support recovery efforts in officially declared disaster areas in FHLB Dallas' District.
Mortgage Partnership Finance® Program (MPF®)
Provides FHLB Dallas members with a competitive, alternative to access the secondary mortgage market. FHLB Dallas members that become Participating Financial Institutions (PFIs) gain opportunities to sell certain fixed-rate, conforming mortgage loans into the secondary market. PFIs that participate in the MPF program also have an option to retain servicing on their loans, and subsequently maintain control of their customer relationships, or they can sell servicing.
FHLB Dallas offers four products from the MPF Program:
Credit Enhancement (CE) Products:
Non-Credit Enhancement Product:
For more information, email
or call him at 214-441-8711.
Genesys Technology Group, LLC
Genesys was founded in 2007 to be an advocate for the community banker by providing affordable technology consulting. Genesys takes the guesswork out of core contract negotiations. Consulting services include contract renewals and negotiations, systems evaluation and selection, M&A system assessments and negotiations, and in-house to outsourced evaluation services. TBA member banks receive a 7% discount on these endorsed services.
For more information email Selina Bailey or call her at 770-729-4138.
Check Printing and Marketing Services
Harland Clarke is a leading provider of solutions that help organizations deliver superior customer experiences. The company is a leader in check printing, card personalization and instant issuance, deposit and loan acquisition programs, contact center services, digital marketing, direct mail, customer insight analysis, cash handling supplies, and promotional products. Harland Clarke is a Vericast business (www.vericast.com). For more information, visit www.harlandclarke.com or follow Harland Clarke on LinkedIn and on Twitter @HarlandClarke.
For more information, email Christine Ahlgren or call her at 678-500-5330.
Higginbotham is the largest independent insurance broker based in Texas. Thousands of companies and financial institutions across the state trust our single source solution for employee benefits. We have more than 30 offices in Texas to serve your regional insurance needs. Our size ranks us among the largest brokers in the nation, yet our local concentration keeps us accessible.
In fact, we’re always by your side. Getting you covered is just what we do on day one. We support you and your employees on day two and every day after. It’s what we call Day Two Services® because we deliver everything you need to manage your plans and control your benefits throughout the year.
For more information email Mark Rutherford at [email protected] or call him direct at 817-797-0556.
Business Performance Solutions
Insperity helps the banking community unleash its employees' full potential with an array of human resource and business solutions that improve business performance. For more than 30 years, Insperity (NYSE: NSP) has offered the most comprehensive workforce optimization solution in the marketplace that delivers administrative relief through robust payroll and HR platforms, better benefits, reduced liabilities and a systematic way to improve productivity. The Company operates over 70 sales offices in 30 major markets serving more than 100,000 businesses. If you would like to learn more about Insperity, please email Paul Haydel or call him at 281-348-2955.
J.B. Lloyd & Associates, LLC
Lender Placed Hazard & Flood and Mortgage Impairment/Errors & Omissions Insurance
J.B. Lloyd & Associates is an insurance agency that has provided lender placed hazard & flood and mortgage impairment and mortgage errors & omissions insurance protection to Texas banks for 24 years. In addition to excellent customer service, Lloyd & Associates\’ web-based reporting capabilities and broad coverage options sets us apart from other insurance providers.
For more information email
or call him at 214-265-2445 or visit www.lloyd-ins.com.
KeyState Captive Management
Bank Captive Program
KeyState Captive Management (KeyState) is the country’s largest provider of captive management and investment portfolio services to community banks.
KeyState offers banks with over $1 billion in assets the opportunity to form a wholly-owned captive insurance company through its Bank Captive Program. A captive insurance company, or a legally licensed limited purpose property and casualty insurance company, can augment a bank’s commercial policies by covering the existing commercial deductible layers, increasing coverage levels on existing policies (excess layers), and identifying other currently unfunded risks to insure where commercial insurance is not available to the bank.
Through a captive, banks can:
- Improve their enterprise risk management;
- Better manage unfunded risks;
- Formalize a self-insurance program;
- Realize efficiencies and savings related to insurance expenses and loss mitigation; and
- Take advantage of a small business incentive available under a section of the Tax Code.
What makes KeyState’s Bank Captive Program different from its competitors? The primary differentiator is KeyState’s deep knowledge and specific expertise working with banks and their regulators in evaluating structures and responding to regulator inquiries. KeyState’s team offers a turnkey product and assists the bank every step along the way.
For more information email
or call 302-425-5181.
Landing Rock Cash Management provides FDIC-insured, flexible, innovative solutions tailor-made for the way banks do business. Whether your bank needs funds to meet current loan demand or has excess liquidity, Landing Rock provides an FDIC-insured, competitive yielding liquid alternative solution.
Landing Rock Insured Deposit Account — offers bankers a competitive yielding alternative treasury service. For bank customers it offers daily liquidity with no early withdrawal fees and is FDIC insured up to $30 million.
Landing Rock Community First for Texas — is a wholesale funding solution for banks that is a liquid alternative with no collateral or compensating balance requirements. Funds are offered on a fixed monthly interest rate without broker or other fees of any sort.
Join our network? Landing Rock maintains a growing network of "well capitalized" banks. For more information about how Landing Rock can help you increase and diversify your deposits and satisfy your customers please email Kim Winslow at [email protected], or call him at 252-473-7153.
Ncontracts is the leading provider of vendor and contract management solutions for financial institutions. Our comprehensive and secure online product suite and team of exceptional legal, financial, technology, and client services experts enable banks to successfully manage their third-party vendor relationships and contracts, assess and address compliance risks and audit findings, and replace manual tasks with time-saving and cost-cutting software and guidance.
For more information email
or call him at 512-944-0726.
NFP Executive Benefits
Executive Benefits & BOLI Consulting
NFP Executive Benefits (NFPEB”) provides creative solutions to attract, retain and engage key officers and board members. As of December 31, 2019 more than 1,250 banks count on NFPEB to design, implement, administer and finance these important compensation and nonqualified benefit programs.
In addition, the company’s in-house service professionals offer practical, hands-on assistance to banks and their professional advisors, auditors and examiners. NFPEB provides its clients with timely, accurate documentation and regulatory compliance support. NFPEB has the experience of CPAs, attorneys, MBAs, CLUs, CFP®, and ChFC® professionals, a former bank regulator, several former bankers and bank directors, and other experts with advanced degrees and licenses. Our staff also includes individuals with significant BOLI and benefits administration experience as well as one of the industry’s most recognized experts on accounting and tax matters.
If a bank should decide to implement any of these plans, NFPEB has the experienced and professional staff needed to properly design, administer and oversee these plans. As evidence of its leadership position in the market, NFPEB has the exclusive endorsement of the American Bankers Association and several state banking associations including TBA.
To learn more about our services and products, contact Ken Derks* at 469-252-1037, Trey Deupree* at 972-672-8245 or visit executivebenefits.nfp.com.
*A Registered Representative of Kestra Investment Services, Inc.
Electronic Board Books
Passageways is a software provider that for 15+ years has focused on delivering enterprise solutions to banks that improve governance and connect bank employees.
A leader in the virtual board meeting management software category, OnBoard provides a comprehensive suite of tools for boards and committees to make smarter decisions remotely or in-person, and in real time. Now more than ever, your board and executive leadership need a virtual meeting management solution that is remote-ready, secure, and simple to use.
Streamline meeting preparation and provide your leaders with accurate, up-to-date information with an unlimited document repository across all devices. Remote ready for you to govern confidently from anywhere, OnBoard enables action-driven meetings with built-in votes, approvals, surveys, and e-signatures OnBoard is the only board management software that offers a no strings attached free trial, so you know precisely what you’re getting before you fill out any paperwork. There is no credit card, no commitments.
For more information, email Passageways at [email protected] or call us at 765-535-1882.
Pentegra Retirement Services
Retirement Plans for Bank Employees
Pentegra Retirement Services is a leading provider of retirement plan and fiduciary outsourcing solutions to community banks nationwide, Founded by the Federal Home Loan Bank System more than 70 years ago, today Pentegra manages over 4,000 retirement plans and more than $10 billion in assets. Pentegra is focused on delivering value-added retirement programs designed to help community banks improve retirement plan effectiveness, attract and retain quality employees and build a competitive advantage.
Our breadth and depth of services includes support for qualified and non-qualified retirement programs designed exclusively for your industry. With deep knowledge of the complexities that surround bank retirement plans, the quality and experience of our team deliver exceptional value to clients. Pentegra offers the added advantage of more than 70+ years of community-based financial institution retirement plan “best practices” and a user-board of directors comprised of our clients — delivering a level of retirement plan governance and oversight that is unmatched.
With an extensive array of plan design options, services and fiduciary support, our unique retirement plan solutions include qualified and non-qualified plans along with fiduciary outsourcing solutions designed to save time, save money and ease the burdens that come with managing a retirement plan. We’re focused on delivering a client experience that makes offering a retirement program easy, and one that helps your employees achieve greater retirement security.
Help your bank drive more successful retirement outcomes for your employees with Pentegra. For more information on Pentegra's products and services, email
, Regional Marketing Manager, or call him at 303-921-3109.
Be part of our social media conversation on
Promontory Interfinancial Network, LLC
Promontory Interfinancial Network’s CDARS® service can help financial institutions to enhance profitability by attracting large-dollar relationships, replacing higher-cost funding, reducing collateralization costs, managing liquidity, and purchasing wholesale funding.
CDARS is endorsed by the American Bankers Association. The service gives Promontory Network members the opportunity to serve as the one Institution that meets all their customers’ needs. Using CDARS, depositors can enjoy:
- Safety – Access to multi-million-dollar FDIC insurance coverage on CDs, and
- Convenience – One bank relationship, one rate per maturity, and one regular account statement.
For more information, please contact: Chuck McBrayer, Regional Director – Northern Texas at [email protected] or via phone at 703-292-3432 or Chris Ely, Regional Director – Southern Texas at [email protected] or via phone at 703-292-5907.
Online, Voice and Mobile Banking
At Q2, we believe financial power should stay within the communities you serve. To that end, our mission is to enable community-centered financial institutions to compete to win in an always-connected world. Our flexible, single-platform online banking solution offers a secure, intuitive, and consistent user experience across all digital channels from desktop to mobile – for end users ranging from retail consumers to commercial and corporate entities.
Backed by analytical intelligence from over 250 million customer interactions every month, Q2 can help you offer more to your account holders and anticipate their changing needs – while keeping their assets secure and your reputation safe. We merge business-critical technology, an engaging user experience, and a culture of partnership to streamline your day-to-day operations and accelerate your growth and retention strategies.
Only Q2 enables you to stand apart, scale smart, and grow beyond – empowering returns on relationships with your employees, account holders, and community. For more information visit Q2ebanking.com, email
or call her at 512-560-3674.
TIB Capital Markets
Fixed Income Capital Markets
TIB Capital Markets is a fully-integrated shop that reduces transaction risk and eliminates paperwork burden. After purchasing securities through TIB market professionals, transactions move seamlessly through TIB’s clearing, custody, accounting and ALM platforms. With policies, analytics and experts, banks have it all in one place.
- Investment Consultation & Sales
- Interest rate hedging products
- Safekeeping & Bond Accounting
- Federal Funds & Treasury Management
- Asset Liability Management
For more information, email
or call him at (972) 650-6000.
Verafin Financial Crime Management Platform
Verafin is the industry leader in enterprise Financial Crime Management solutions, providing a cloud-based, secure software platform for Fraud Detection and Management, BSA/AML Compliance and Management, High-Risk Customer Management and Information Sharing. Nearly 3000 banks and credit unions use Verafin to effectively fight financial crime and comply with regulations. Leveraging its unique big data intelligence, visual storytelling and collaborative investigation capabilities, Verafin significantly reduces false positive alerts, delivers context-rich insights and streamlines the daunting BSA/AML compliance processes that financial institutions face today.
Verafin is the exclusive provider for Texas Bankers Association, Western Bankers Association, Florida Bankers Association, Massachusetts Bankers Association, and CUNA Strategic Services, with industry endorsements in 48 U.S. states.
For more information, call 866-781-8433 or email [email protected].
Compliance Forms and Software
Wolters Kluwer®, the leading provider of regulatory compliance solutions and services for banking, brings together some of the industry's most trusted and reliable solutions to help Banks address compliance requirements, reduce risk and operate more efficiently. The Texas Bankers Association endorses the following products:
The company's software, services and paper forms can help efficiently comply with Federal and Texas regulations while remaining competitive and increasing everyday workflow efficiencies.
For more information email Lynne Pearce or call her at 888-539-1119, or visit www.WoltersKluwerFS.com.
Be part of our social media conversation on