Community Banks
SOLUTION TO UNINSURED DEPOSITS
- THE ALLIANCE -
Deposits are 100% insured over the $250k FDIC Limit
Member Benefits
Receive coverage for excess deposits above the FDIC limit at a cost well below both the FDIC costs and the cost of reciprocal deposits.
Provides ability to compete for uninsured deposits with systemically too big to fail banks.
Receive Scorecard Subscription FREE with membership.
Receive insured and uninsured deposit calculator.
Receive quarterly PCA capital, risk and insolvency assessments.
Eliminate designation of brokered.
Early warning system analytics, bank advisory will prevent further troubled bank deterioration and result in fewer failures.
Provides real alternative to failing Members to avoid failure and seizure.
Using the data lake will dramatically cut the cost of resolutions if a bank fails.
The Alliance Consortium, LLC™
100% Bank Members
FinPro is the Managing Member
Membership Fee – Based on Uninsured Deposits
Community Bankers Insurance Alliance, Inc.™
FinPro is the Program Manager
Align Risk Solutions is the Captive Manager
Risk Premium – Determined from FinPro’s Scorecard
System (Between 2 & 6 BPS)
The Board Members
APPOINTED
DONALD MUSSO
Chairman and CEO
Chairman and CEO
ROBERT MUSSO
FinPro Representative
FinPro Representative
CHRIS BLACK
Tennessee State Resident and
Thread Bank
Tennessee State Resident and
Thread Bank
3 YEAR TERM
LORI MALEY
Bank of Bird-in-Hand
New York Region
LORI MALEY
Bank of Bird-in-Hand
New York Region
HAROLD REYNOLDS
BankSouth
Atlanta Region
BankSouth
Atlanta Region
LANCE NUNN
Oregon Coast Bank
San Francisco Region
Oregon Coast Bank
San Francisco Region
2 YEAR TERM
KEN WEINSTEIN
Newtown Savings Bank
At Large
KEN WEINSTEIN
Newtown Savings Bank
At Large
NORM PLUMSTED
Honor Bank
Chicago Region
Honor Bank
Chicago Region
MARGARET NIGHTENGALE
Grant County Bank
Kansas City Region
Grant County Bank
Kansas City Region
1 YEAR TERM
BRETT MCDOWELL
Victory Bank
Dallas Region
BRETT MCDOWELL
Victory Bank
Dallas Region
TRENT MEYER
Lincoln Federal Savings Bank
At Large
Lincoln Federal Savings Bank
At Large
THE ALLIANCE is the solution to uninsured deposits
Become a Member Today & Insure Excess Deposits
FinPro will execute on it’s innovative and proprietary 5 LEVELS OF DEFENSE (patent pending) to identify risks, minimize bank failures and reduce costs of resolution.
Eligibility Criteria
Less than $10 billion in total assets
No more than 50% uninsured deposits
No more than $500mm in uninsured deposits
Minimum 8.00% Tier 1 Capital Ratio (Meets CBLR standards)
PCA rating of “Well Capitalized” or above, or “Adequately Capitalized”
with a waiver
with a waiver
Scorecard value of 3.0 or better
Not have an MOU or consent or have The Alliance provide a waiver under certain conditions
Satisfactory IT
No AML/BSA issues
Alliance members receive a FREE Scorecard subscription!
The Scorecard utilizes patent pending, proprietary thoughtware to include the PCA Capital Score, Insolvency Score and Burn Rate.
Identify risks pro-actively & early
Rank risks at any level
Provide in-house ERM capability that tie to regulatory approach
The key to deploying defense levels
Establish the risk premium
Learn About the Alliance & CBIA through our videos...
Community Banks have a new defense in the fight for deposits. The Alliance Consortium LLC and Community Bank Insurance Alliance Inc. are helping community banks compete more effectively by providing real insurance coverage on deposits above FDIC limits. This is a solution designed by community banks, for community banks.
In today’s competitive banking landscape, community banks shouldn’t have to lose valuable deposit relationships simply because of FDIC insurance limits. FinPro created the Community Bankers Insurance Alliance (CBIA) — an innovative solution that enables community banks to offer deposit insurance beyond traditional FDIC coverage limits.
Uninsured deposits remain a top concern for community banks navigating today’s evolving risk landscape. FinPro’s Community Bankers Insurance Alliance (CBIA) offers deposit insurance beyond FDIC limits—strengthening depositor confidence, supporting proactive risk management, and helping banks retain valuable relationships.
Confidence is crucial in community banking. That’s why FinPro developed the Community Bankers Insurance Alliance (CBIA)—empowering community banks to offer deposit insurance beyond FDIC limits, strengthen depositor trust, and proactively manage risk. Discover how CBIA supports safer, stronger institutions and communities.
Community Bankers Insurance Alliance, Inc. is wholly owned by The Alliance.