Community Banks

Community banks fuel the revitalization of rural, suburban, and small urban markets. As small towns work to sustain their populations and develop their industry base, we help their local banks grow through acquisition and improving qualified market share. In addition to our core services—financial statements, internal audits, and strategic planning—we help you increase and protect your deposit and lending base. The top two issues that banks contend with are changing regulations and quality management. K·Coe Isom addresses both challenges head-on.

Changing Regulations

In your highly specialized regulatory environment, you need advisors who can decipher the rippling impacts of regulatory changes and applicable exemptions. Representing nearly 150 community banks across the US, K·Coe Isom skillfully ensures that you can adapt to these changes so your bank continues to thrive.

Quality Management

As you and your customers weather economic crises and downturns, it’s essential to maintain your entrepreneurial spirit. With strong ties to the community, you personify relationship banking—and the people who represent you in these relationships are crucial. Research shows that employee happiness is directly related to good managers. And the quality of management is highly correlated with bank performance. So the K·Coe Isom team guides bank directors and management teams in placing the right people in the right jobs to garner the best results.

At K·Coe Isom, our seasoned former bankers, CPAs, and business consultants leverage their experience in the areas of regulatory compliance, lending and loan administration, bank holding companies, operations, and internal controls to help your bank:

  • Build strategic plans for growth and success
  • Develop a sound lending environment
  • Tackle merger and acquisition issues
  • Gain peace of mind by proactively addressing regulatory requirements
  • Maximize tax advantages and minimize risk
  • Cultivate a stronger, well-functioning management team

CASE STUDY: When regulations are confusing and sometimes conflicting, community banks struggle to consistently deliver required disclosures across all communication channels. In one case, we were tasked with strengthening a community bank’s disclosure program. This involved training help desk staff, coaching bankers, and stress testing the communications process. By advising the bankers on how changes in the regulations will affect how they do business going forward, they are able to conduct business in a worry-free manner.

CASE STUDY: A community bank, wrestling for cohesion between new management team members and a recently hired president, asked our team to identify their core issues and priorities. We facilitated a strategic planning session with the Board and management team, involving revising the bank’s vision, mission, and core values. The process resulted in each member’s buy-in, friendly rapport among the group, and priority action plans to increase communication, growth, and profitability.

Contact Sandy Sporleder at 800.461.4702. Count on the K·Coe Isom community bank team to raise the performance of your financial institution.



ATMs Are a Cyber Risk

Share this

Cyber risks are always changing and evolving thanks to the criminals who keep getting savvier. Business email compromise, phishing, card compromise, synthetic identities, and ransomware are all in the news daily and high on the cyber concerns list. We might […]

Examiner Expectations with CECL

Share this

The topic on everyone’s to-do list as of late has been to start thinking about the looming changes that will be here before we know it…the new Current and Expected Credit Losses (CECL) model for the allowance for loan & […]

Buying or Selling: What Happens to Your BOLI?

Share this

Bank-owned life insurance (BOLI) has been a widely-used investment and employee benefit for community banks. But, what happens to this insurance in a bank sale? This has been a common question we’ve seen with bank mergers and acquisitions, and in […]