Participation Loans

United Bankers' Bank provides community banks access to participation loans to diversify their loan portfolio and boost their bottom line.

Participation Loans - Sold

If your bank wants to utilize excess capital or diversify its loan portfolio with solid credits, look no further than United Bankers' Bank. With a service territory covering over 14 states, UBB's loan experts continually evaluate loan requests from the Pacific Northwest to the Great Lakes, the South Atlantic, and everywhere else in between. This breadth of service coverage has resulted in the booking of varying sizes of credits, encompassing numerous diverse industries, all continually looking for community banks to sell a participating share to.

Skin in the Game
United Bankers' Bank goes to great lengths to ensure our loans to our participating lenders are high quality, ensuring our customers purchase a credit they can feel comfortable adding to their portfolio. United Bankers' Bank stands by each participation loan it sells and demonstrates this by funding a portion of every loan it participates in.

Benefits of Purchasing Participation Loans from United Bankers’ Bank:

  • Diversify your loan portfolio
  • Utilize capital
  • Improve financial performance
  • UBB keeps a portion of every participated loan in its portfolio

Participation Loans - Bought

Your loan customers count on you to deliver. When their credit needs surpass your lending limit, we are here to help you get the deal done. We work with you as an extension of your loan department, assisting you in getting your large credits funded. Through this partnership, we will help you maintain relationships with your customers and enable you to acquire new customers with more significant loan needs.  

Benefits of Selling Your Loans to United Bankers’ Bank:

  • You maintain relationships with customers who have requests that surpass your lending limits
  • When you work with UBB, you’re working with a non-competitor
  • Meet the credit needs of your best customers when your bank might not be able to meet them on its own
  • Expand your lending capabilities to attract and acquire new customers
Improve your bank’s financial performance while meeting the credit needs of your best customers.

Click here to request information regarding available loan participations to purchase or over-lines your bank is interested in selling.