Community Banking

At Winthrop, we serve as outside general counsel to community banks, and have the resources to resolve any issue that a community bank would encounter, from bank-specific issues such as governance and regulatory issues, to more general business matters like mergers and acquisitions, employment or vendor agreements.

Our Approach

We recognize that a community bank, though unique in many ways, is at its core a business that is deeply embedded in the towns and with the people it serves, all of whom depend on its success. Our community banking attorneys work closely with your organization to get to know all of those intricacies and the aspects that make it unique. When developing solutions for your issues and plans for achieving your goals, we always work with that unique culture in mind.

Winthrop attorneys place a high value on our relationships, and there’s nothing we like better than making an introduction. Because of our decades of work in the industry, we have developed an extensive network including investment bankers, accountants, business consultants, executive leadership teams, as well as regulators, that can be beneficial to our clients.

Clients Include

Community banks
Bank holding companies

Focus

Mergers and acquisitions
Charters, capital formation, charter conversions and changes in control
Holding-company formation
Responses to and defense of regulatory agency enforcement actions
Strategies to respond to regulatory examination reports
Design and implementation of management and governance policies
Regulatory matters including privacy internet banking and financially troubled entities
Capital raising and securities issues
Vendor contract management
Electronic banking services and regulation
Consumer and regulatory compliance consultation and design