Independent Banker - January 2025 - 46

Is your community bank thinking about
launching an initial public offering or over-thecounter
trading of stocks to raise liquidity?
The rewards could be great-but both options
come with extra regulatory requirements and
costs. Careful consideration is critical.
ommunity banks
have many capital
needs, and as they
grow, there can be strategic
reasons to turn to the
public markets. There are
multiple ways to
accomplish this task, and
you need to engage in
careful planning, seek
expert advice and pay close
attention to details to
ensure the path you are
taking is appropriate for
your bank, especially given
the added costs and
complexities involved in offering shares to the public.
" You can't take it lightly, and it truly has to be a thoughtful,
methodical process to go through the pros and cons for each
institution, " says Anne Arvia, principal at advisory firm
Cornerstone Advisors.
With that in mind, here's what to consider if your community
bank is thinking about tapping public markets.
TAKE A THOUGHTFUL APPROACH
You should start by mapping out strategic goals on a short-,
medium- and long-term basis. This will help determine
whether there are strategic imperatives that make
tapping public markets the preferable path, Arvia
says. For example, some banks may be able to
accomplish their goals by listing shares on
46 // ICBA Independent Banker // January 2025

Independent Banker - January 2025

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Independent Banker - January 2025 - Cover2
Independent Banker - January 2025 - Contents
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