New Charters

You don’t know
what you don’t know…

Chartering a bank is like becoming a parent – it doesn’t take long for the questions to start flowing. Pretty soon, you’re looking for someone with wisdom and experience. That’s us. When it comes to chartering banks, we’ve raised quite a few and they’ve all turned out pretty well.

Whether you’re looking for someone to guide you through the process from beginning to end or your needs are more specific, we offer the full spectrum of de novo services.

We also understand that your goals may not allow for the timing required for a true de novo bank, and we have developed a strategy for what we like to call “Repurposed Charters.” For more information on the options available to you, click here to read Randy Dennis’ insight into de novo banks and Repurposed Charters.

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Strategic & Regulatory

  • Strategic formation assistance – new bank or credit union charter or purchase of a small bank?

  • Repurposed charter – Is timing critical? Consider repurposing an existing charter to hit the ground running

  • Organization details: business plan preparation, identification of organizers/directors, organizational cost outline, pro forma financials

  • Application preparation and serving as liaison with regulators on behalf of the organizers

  • Earnings evaluation in early years of operation

  • Providing certified board of director training in compliance with regulatory mandates

Operations & Technology

  • Infrastructure planning: collaborating on vendor selection for core processing platforms, technology applications and solutions

  • Policy and procedure development for loan and deposit operations

  • Retail product development for operational and competitive considerations

Branding & Communications

  • Name and domain use assistance – securing for use and protecting from trademark infringements and other barriers of use

  • Brand development – logo design, positioning strategy, graphic standards, and design  for all marketing materials and signage

  • Grand opening planning, development and execution

“DD&F has a wealth of knowledge, but it was the values and principles the firm stands for that made us want to work with them.”

– Gene Whisenhunt, EVP and CFO, Hickingbotham Investments, Inc.

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