Whole-bank underwriting

Model entry P/TCE, financing, operating growth and 3-, 5- and 10-year exit values.

01 Buy & flip a bank 02 Listed bank vs. S&P 500

Assumptions

Target bank

FDIC BankFind · validated source · loading$279.4M assets · $8.6M tangible equity$187.1M net loans · $269.6M deposits · reported equity less reported intangible assets

Entry valuation & capitalization

Incremental loan mark%Bid adjustmentxTransaction costs%Minimum closing TCE%

Acquisition debt

Use acquisition debtCapped at 75% of purchase priceDebt funding%Debt rate%

Grow the franchise

Annual asset growth%Annual loan growth%Annual deposit growth%Improvement periodyrs

Operating targets

Target ROA%Target efficiency%Target noncurrent loans%Target core deposits / assets%Target tangible capital%

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