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Bank Consulting

The specialists at TIB Financial Group will work with you to determine how Bank Owned Life Insurance (BOLI) can be deployed to:​

        1. Increase ROE and ROA as tax favored returns exceed traditional bank investments by between 100 to 300bps annually.
        2. Provide an efficient, ongoing offset to general employee benefit costs.
        3. Increase the bank’s portfolio diversification to reduce reinvestment risk and smooth out earnings volatility.
        4. Provide a broader-based benefit package for key executives and directors.

Which Banks Purchase BOLI:

Top 60 BOLI Holders
Cash surrender value of BOLI in $000s as reports in their call reports as of 12/31/2021.

Bank Amount
Bank of America, National Association
Wells Fargo Bank, National Association
JPMorgan Chase Bank, National Association
PNC Bank, National Association
Trusit Bank
U.S. Bank National Association
Citibank, National Association
The Bank of New York Mellon
Kevbank National Association
State Street Bank And Trust Company
Regions Bank
BMO Harris Bank National Association
Citizens Bank, National Association
The Huntington National Bank
First Republic Bank
Fifth Third Bank, National Association
Capital One, National Association
Santander Bank, N.A.
Manufacturers And Traders Trust Company
TD Bank, National Association
Bank Amount
The Northern Trust Company
Comerica Bank
Bank of The West
Cit Bank, National Association
New York Community Bank
Synovus Bank
First Horizon Bank
Southstate Bank, National Association
Bank Ozk
Pinnacle Bank
People's United Bank, National Association
Hancock Whitney Bank
Associated Bank, National Association
Sterling National Bank
Cadence Bank
Webster Bank, National Association
Valley National Bank
First National Bank Of Pennsylvania
Zions Bancorporation, N.A.
City National Bank Of Florida
Bank Amount
UMB Bank, National Association
United Bank
First Hawaiian Bank
Pacific Premier Bank
Simmons Bank
Atlantic Union Bank
Bokf, National Association
Old National Bank
First National Bank Of Omaha
City National Bank
Flagstar Bank, FSB
Wesbanco Bank, Inc.
Bank Of Hawaii
Customers Bank
Ameris Bank
E*Trade Bank
Umpqua Bank
Prosperity Bank
BankUnited, National Association

Remember that the FDIC limits the amount a bank can allocate to BOLI based on certain constraints. We can guide you through the myriad of plan designs to maximize bank profitability and retain and reward key executives.