Direct Loans

Direct Loans


ACBB’s Bank Stock Loan program is available to bank directors, senior officers and major shareholders. These loans can be used to purchase additional shares of common or preferred stock, thereby helping your institution raise additional capital. The borrower can pledge existing shares of common or preferred stock, shares they are purchasing in a new stock offering, or a combination of the two. Financing can be provided both short-term and long-term. The pledged shares are held with ACBB as collateral until the loan is repaid in full, with the loan-to-collateral margin typically being 50%.


  • ESOP Loans
  • Bank Branch Construction and Purchase Loans

Contact us to learn more.