Independent Banker - July 2018 - 45

" For us, it's about relationships
and the integrity to deliver.
There is no bait and switch.
We honor our obligations and
take care of our customers. "
-Heidi DeWyngaert, Bankwell
County and the greater New York
City metro, including northern New
Jersey, southern Massachusetts and
even into Pennsylvania. " For us, it's
about relationships and the integrity
to deliver, " says DeWyngaert. " There
is no bait and switch. We honor
our obligations and take care of
our customers. "
Building strong relationships has
been another key to growing the
bank's commercial lending business.
Lending can be a commodity
business, but there are ways to be
more creative if lenders take time
to listen to the borrower's story and
develop a rapport, notes DeWyngaert.
" We really try to be somewhat creative
in that we want to craft a transaction
that works for the borrower entity and
the bank, " she says. At the same time,
she adds, it is important to strike a
balance in maintaining conservative
and safe lending practices and making
good loans.
Bankwell provides CRE loans
between $1 million and $10 million,
with the average size falling
between $3 million and $4 million.
In addition, Bankwell offers SBA
7(a) loans, which are typically less
than $500,000.
The bank also encourages its
loan officers, and all of its staff,
to be involved in the community
by volunteering with charity and
civic groups or serving on boards
of local nonprofit groups and other
organizations. In fact, community
involvement is part of employee
job evaluations.
Bankwell also contributes to more
than 300 different charities. " We are
very involved in the community, and
we believe it's good for business, "
says DeWyngaert.
Beth Mattson-Teig is a freelance
business writer in Minnesota.
Commercial: $1 billion or more
Rank
Bank name
1
2
3
4
5
6
7
8
9
10
11
12
13
14
15
16
17
18
19
20
Shinhan Bank America
Stearns Bank National Association
Alma Bank
First Bank
Northern Bank & Trust Company
Hanmi Bank
Bankwell
Apple Bank for Savings
Woori America Bank
Pacific Mercantile Bank
Bankers Trust Company
Western State Bank
Mercantile Bank of Michigan
First Business Bank
Crestmark Bank
Veritex Community Bank
EagleBank
Old Line Bank
Reliance Bank
Bank SNB
City
New York
Saint Cloud
Astoria
Hamilton
Woburn
Los Angeles
New Canaan
Manhasset
New York
Costa Mesa
Des Moines
Devils Lake
Grand Rapids
Madison
Troy
Dallas
Bethesda
Bowie
Des Peres
Stillwater
State
NY
MN
NY
NJ
MA
CA
CT
NY
NY
CA
IA
ND
MI
WI
MI
TX
MD
MD
MO
OK
Commercial loans
to assets ratio
72.61%
71.83%
70.47%
66.81%
66.43%
61.65%
60.75%
60.66%
60.42%
60.41%
59.70%
59.19%
57.51%
56.98%
55.89%
54.72%
54.67%
54.40%
53.94%
53.33%
independentbanker.org Q 45

http://www.independentbanker.org

Independent Banker - July 2018

Table of Contents for the Digital Edition of Independent Banker - July 2018

Table of Contents
Independent Banker - July 2018 - Intro
Independent Banker - July 2018 - Cover1
Independent Banker - July 2018 - Cover2
Independent Banker - July 2018 - Table of Contents
Independent Banker - July 2018 - 2
Independent Banker - July 2018 - 3
Independent Banker - July 2018 - 4
Independent Banker - July 2018 - 5
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Independent Banker - July 2018 - Cover3
Independent Banker - July 2018 - Cover4
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