United Bankers' Bank

What United Bankers' Bank does

United Bankers' Bank (UBB) is a privately held, FDIC-insured bankers' bank founded in 1975 in Bloomington, Minnesota, operating as the nation's first institution dedicated to the bankers' bank correspondent model. UBB serves over 1,000 community banks across the West Coast, Great Lakes, and South Atlantic regions, providing a full-stack suite of correspondent banking services without competing against its customers. Its product portfolio is organized across six categories: consulting services (compliance, BSA/AML software, loan review, HR consulting, cybersecurity, bank valuations, de novo support), operational services (clearing and settlement, currency orders, deposit services, instant payments, online banking, online transaction archiving, international payments), lending (bank stock financing, Fed Funds, participation loans), investments (asset liability management, money desk, securities management and trading), insurance (community bank policies, identity theft protection), and cards (credit/debit programs, merchant services, prepaid cards, business builder suite). The firm maintains four wholly-owned subsidiaries — UBA (insurance agency), USource (HR consulting), ALMEdge (asset liability management), and BankValue (bank valuations) — to deliver specialized expertise within the broader correspondent offering.

UBB's revenue model is transaction-fee and professional-services-fee based across all six product lines, complemented by net interest income from lending activities (Fed Funds, participation loans, bank stock financing). The firm employs 101-250 staff and distributes services through a dedicated Correspondent Banking Officer model, assigning relationship managers to geographic territories (e.g., Trey Moore, VP, Virginia) for enterprise field sales. Marketing leverages a website with resource library, industry events including Tri-State Golf Classic and River Cruise, an email newsletter, and the branded #CommunityBankLove social movement. UBB's value proposition rests on the structural non-competition guarantee — the bank does not compete with community bank customers — combined with operational scale that community banks cannot replicate independently, making UBB an extension of customer capabilities rather than an alternative provider.

Name

United Bankers' Bank

Legal name

United Bankers' Bank

Website

https://ubb.com

Company type

Private

Founded year

1975

Operating status

Operating

Headcount range

101–250 employees

Short description

United Bankers' Bank is a privately held, FDIC-insured bankers' bank founded in 1975 that serves over 1,000 US community banks with correspondent banking, lending, investment, insurance, card, and consulting services delivered through dedicated relationship officers.

Ownership category

akta.pro rank

Product category

Correspondent Banking

NAICS

Commercial Banking (52211), Depository Credit Intermediation (5221)

SIC

National Commercial Banks (6021), Functions Related To Depository Banking, Nec (6099)

akta.pro primary industry

Correspondent Banking (Nostro/Vostro & Agent Services) (FSABAJAA)

Keywords

• Correspondent banking services
• Community bank solutions
• Bank stock financing
• Asset liability management
• Bank compliance consulting

Headquarters

HQ city

Bloomington

HQ country

United States

HQ region

North America

Offices1 record

Markets served

GTM type

B2B

Offering type

Services

Cost components

Personnel, Operations, Technology or R&D, Infrastructure, Marketing or Sales, Others

Revenue model

1. Correspondent Banking Services: Fees for clearing, settlement, and transaction processing services provided to community banks
2. Lending Services: Revenue from bank stock financing, participation loans, and Fed Funds services to community banks
3. Investment Services: Fees from securities management, trading, sales, and asset liability management services
4. Consulting Services: Fee-based consulting services including bank stock valuations, compliance services, HR consulting, cybersecurity, and loan review services
5. Insurance Services: Commission revenue from community bank insurance policies and identity theft protection products
6. Card Services: Revenue from bank card programs, merchant services, and prepaid cards for community banks

Go-to-market motion1 record

Distribution channels1 record

Marketing channels4 records

Core offering

United Bankers' Bank is a correspondent bankers' bank that provides community banks with operational services (clearing and settlement, instant payments, online banking, deposit services, currency orders, international payments), lending products (bank stock financing, Fed Funds, participation loans), investment services (asset liability management, securities management, securities trading and sales, money desk), insurance products, card programs, and consulting services (compliance, HR, cybersecurity, bank stock valuations, loan review, marketing, BSA/AML software). It functions as an outsourced correspondent banking infrastructure layer that community banks rely on without competing with them.

Product overview

United Bankers' Bank operates as a bankers' bank (correspondent bank) serving community banks across the United States since 1975. The company offers a comprehensive suite of solutions organized into six main categories: Consulting Services (bank stock valuations, compliance services, cybersecurity, HR consulting, BSA/AML software, loan review, marketing, de novo services), Operational Services (clearing & settlement, currency orders, deposit services, instant payments, online banking, transaction archiving, international payments), Lending (bank stock financing, Fed Funds, participation loans), Investments (asset liability management, money desk, securities management & trading), Insurance (community bank insurance policies, identity theft protection), and Cards (bank card programs, merchant services, business builder suite). The company also maintains specialized sub-brands including ALMEdge (asset liability management), BankValue (bank valuations), UBA (insurance agency), and USource (HR consulting). United Bankers' Bank pioneered the bankers' bank model and positions itself as a non-competitive partner to community banks, providing products and services that help them serve their local markets.

Differentiator

Problem solved

Functional benefit

Products and services

• Bank Stock Valuations

Quantifiable outcome

• Serving over 1,000 community banks demonstrates scale and market penetration

Named customers3 records

Segments1 record

Ideal customer profiles1 record

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature4 records

Scale indicators3 records

Recent moves6 records

Expansion highlights5 records

Direct peers

• Independent Bankers' Bank of Florida: A Florida-based bankers' bank focused on serving community banks in the Southeast with correspondent services, lending, and operational support. Operates the same non-competitive bankers' bank model as UBB.
• Pacific Coast Bankers' Bank: A West Coast-based bankers' bank providing correspondent banking, lending, and investment services to community banks. Directly comparable to UBB in business model, customer focus, and product offerings, with some geographic overlap.
• Bankers' Bank of the West: A Pacific Northwest-based bankers' bank that provides correspondent banking services exclusively to community banks, directly competing with UBB in overlapping geographies. Offers a similar suite of operational, lending, and investment services to community bank clients.
• Bankers' Bank of Kansas: A Midwest-based bankers' bank serving community banks in the central US with correspondent banking, lending, and cash management services. Operates the same non-compete business model as UBB and competes for community bank customers in overlapping Great Lakes regions.
• Bankers' Bank of Kentucky: A Southeast-focused bankers' bank offering correspondent banking and related services to community banks in Kentucky and surrounding states. Operates the same specialized business model targeting independent community banks.
• Bankers' Bank of Madison: A Wisconsin-based bankers' bank providing correspondent banking services, lending, and investment solutions to community banks in the upper Midwest. Directly comparable to UBB with overlapping Great Lakes geographic reach.
• Bankers' Bank of Arkansas: A regional bankers' bank serving community banks across the South-Central US with correspondent services, lending, and investment products. Directly comparable in business model and customer segment, with potential overlap in the South Atlantic geography.

Broad incumbents

• BNY Mellon Correspondent Services: A global custody and correspondent services provider that serves community banks and larger institutions. Competes with UBB in clearing, settlement, and securities services, but as part of a much larger portfolio of financial services.
• JPMorgan Chase Correspondent Banking: A major money-center bank with a large correspondent banking division serving community banks nationwide. Offers a broader set of services at greater scale than UBB, but competes directly with UBB in clearing, settlement, and lending services.
• US Bank Correspondent Banking: A major US commercial bank with a significant correspondent banking division serving community banks. Provides payment, lending, and investment services that overlap with UBB's offerings, but as part of a broad national banking franchise.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat5 records

Key risks5 records

Key highlights6 records

Customer concentration

• LinkedInlinkedin.com/company/unitedbankersbank

Compliance1 record

Revenue estimate

Valuation estimate

Number of profiles

Profiles1 record

Subsidiaries4 records

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about United Bankers' Bank