Loan Participations and Sub-Participations

Loan Participations

ACBB is an active purchaser of participation interests in commercial loans. As a bankers bank, our charter prohibits us from doing business with the public, so we’ll never compete for your customer.

Through participations, you can manage your legal lending limit and limits on loans to one borrower, yet offer larger loans. Participations are also a way to manage your loan portfolio by concentrations, collateral type and geography. Participations are also helpful in managing capital ratios, loan-to-deposit ratios and liquidity.

We also sell to other community banks sub-participations in portions of commercial loans we purchase.

For more information, please contact us today.