Established USA Bank Digital Charter-Best Price

Established US-Based Community Bank Charter with FDIC Insurance

Location: South East, USA Asking Price: $50,000 (Charter Value + Premium) Total Assets: ~$85,000,000

Executive Summary:

A rare opportunity to acquire a profitable, fully operational Community Bank with a clean regulatory history. The bank has been serving its local community for over 30 years and maintains a strong capital position. This is an ideal acquisition for a Fintech group looking to bypass the 3-year "De Novo" (start-up) process or a foreign financial institution seeking a direct US footprint.

Financial Highlights:

Net Income: $1.2M (Annualized)

Tier 1 Capital Ratio: 11.5% (Well-capitalized status)

Loan Portfolio: Primarily Commercial Real Estate (CRE) and SBA-backed loans.

Deposits: Stable core deposit base with low cost of funds.

Key Assets & Infrastructure:

1. Full FDIC Insurance: Membership in good standing.

2. Federal Reserve Member: Access to the discount window and payment systems.

3. Operational Core: Modern Fiserv/Jack Henry core banking integration.

4. Facilities: 2 Owned Branch locations with drive-thru capabilities.

5. Growth Opportunity

The bank is currently operating conservatively. A new owner can significantly increase ROI by implementing:

Digital Banking Suite: Launching a mobile-first platform to attract nationwide deposits.

Mortgage Expansion: Scaling the existing residential lending department.

Cryptocurrency Integration: Utilizing the charter for stablecoin or digital asset custody (subject to regulatory approval).

Reason for Sale:
The Board of Directors is seeking a strategic exit as part of a long-term succession plan.