Advantages. Hybrid Stock Loans


Designed to bridge the gap between a traditional stock loan and subordinated debt, our “Hybrid” bank stock loan provides an alternative lending product for community banks.


MEMBER FDIC


Traditional Stock Loan


• No fee • No pre-payment penalty • P&I payments • Collateralized • Guarantors may be required • Competitive rates • Fixed or Floating


Hybrid Stock Loan • Minimal fee


• No pre-payment penalty (after year 1)


• Interest only first 5 years • Collateralized • Guarantors may be required • Competitive rates • Fixed or Floating


For additional information or to discuss further, call your relationship manager or MIB at


1-800-347-4642. 26 mobankers.com


Subordinated Debt*


• Origination fee: 1.5%-3% • Begins amortizing in year 6 • No collateral • No guarantors


• No prepayment for first 5 years Other terms and conditions may apply.


*Offered through our investment subsidiary - First Bankers’ Banc Securities, Inc. Member FINRA & SIPC. INSTITUTIONAL USE ONLY.


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