Correspondent banking is quickly becoming an increasingly competitive market, and choosing a partner for your banking services is an important decision. Doing business with Silverton Bank not only provides you with a robust product offering, but is also accompanied by a level of experience, service and support that is unparalleled in the industry. These are the factors that set us apart from the competition and are what have made us America’s Correspondent Bank.

• Largest organization with a sole focus on correspondent banking in terms of capital and asset size: $2.7 billion in assets, $161 million in equity.
• Over 380 employees - support and product specialists dedicated to correspondent banking.
• 22 years, combined with a forward focus in the correspondent banking industry.
• Nationwide presence - currently doing business in 35 states with over 1,500 financial institutions.
• Geographic expansion balanced with continued emphasis on serving our established Southeast market customers.
• Increased our market penetration in the Southeast United States from 58% in 2004 to 72% in 2007. Market penetration in Northeast is at 9% after only one year entering this market.
• Our Business Development Officers cover a limited number of banks so you are assured of frequent contact and the highest quality service.
• 407 shareholders, owned by our customers community financial institutions drive our business decisions.
• 20-year history of strong stock performance and investor return:
  Average Annual Total Return for last:
  3 years           15.81%
  5 years           22.45%

             10 years         18.71%

• Earnings per share growth of 12% per year in the last three years compared to an industry average of 8 to 9%.
• Over the past 20 years, we have returned over $20 million to our shareholders in cash dividends. This money was re-invested in communities throughout the markets we serve.
• Our profitability is put to work for our customers in the form of strategic acquisitions, new products and services and investment in technology.
• Our size and commitment to excellence allows us to attract top talent and industry leaders. Our people are accomplished and highly motivated.
• Our size provides economies of scale and allows us to provide quality solutions at competitive prices.
• We offer 50 services that are managed internally versus being outsourced. In addition to offering the traditional correspondent banking services, we offer unique, specialized services such as investment banking, loan syndications, specialty finance, executive compensation, strategic planning, strategic branching, human resource advisory, and insurance.
• You are assured of doing business with a correspondent bank that has the financial strength, size and stability to provide you with a sense of security.
• We are customers of our own services, enabling us to stand behind their quality. For example, our own $540 million investment portfolio is accounted for on the same bond accounting system as our customers. Our employees are on the Executive Banker card program, the same program we sell to our customers.
• Cross sales - in 2007, 200 new customers and 650 existing customers purchased 1,672 new services.
• Worked with 291 De novo groups in the last 5 years.
• Advantage Programs for De novo groups and established banks provide our customers and prospects the unique experience of visiting our Atlanta corporate and support office for exposure to our range of services, expertise and depth and talent of resources. In respect of your time, we provide the travel arrangements and accommodations to make this effortless on your part.
• The Power of Partnership - committed to our employees, customers, and communities as partners. The Power of Partnership is our world-class customer service and customer experience brand. We take ownership of opportunities and issues. All departments work together in communicating about our customers’ needs. We are committed to teamwork.
• We are currently members of 20 state banking associations with active participation and sponsorship. We provide educational value to the associations and their members.
• We give value back to the customers and communities we serve by funding an Executive Management Conference, Winter Investment Workshop, Sub-S Corp Seminar, focus groups, and educational and networking forums.

To print a copy of our competitive advantages, click here.





Silverton Bank, N.A. is a national banking association primarily regulated by the Office of the Comptroller of the Currency. Deposit accounts are Federal Deposit Insurance Corporation (FDIC) insured.

© 2008 Silverton Financial Services, Inc. All rights reserved.