Credit and Lending Services

The Bankers' Bank of Kentucky understands lending is an essential element to a Community Bank's profitability.  Our lending staff will provide you with the resources to meet your needs.  We have a network of hundreds of banks throughout the region which allows us to offer a variety of unique lending opportunities.  We have the ability to accommodate Participation Loans, Holding Company Loans, Direct Loans and Organization Loans.

Participation Loans

Our participation loan service allows you to service your customer in a transparent, non-competitive manner.  We can help you stay within legal lending limits for large borrowers and avoid a concentration in specific sectors.  We can also assist you with liquidity needs.  We have the ability to syndicate loans outside your local market to member banks that have the desire to purchase high quality loans at competitive rates.  We will service those banks which will allow you to focus on your customer.  With our diverse loan portfolio of participation loans from across the region, we serve as a resource for banks whose demand for credit is not sufficient in their communities.  We can also assist you with loan structure, pricing, credit risk and underwriting.

Holding Company Loans

The Bankers' Bank of Kentucky can provide direct funding to your bank or holding company.  We can provide credit facilities to support loan growth, stock repurchase, acquisition/expansion opportunities and capital needs.

Direct Loans

The Bankers' Bank of Kentucky is an ideal lender for your bank's Directors and Officers.  We offer a variety of loan products with competitive rates and terms in a quick and confidential manner.  BBKY's direct lending will help your bank stay within Reg O limits.

Bank Organization Loans

We can assist you with loans for organizational expenses, construction and facility financing as well as initial bank stock financing for officers and directors.

For more information, please contact Sara Hughes, Vice President at 800-248-3229.