Participation Loans

Community banks rely on flexible lending strategies to grow relationships, manage risk, and optimize capital. United Bankers’ Bank (UBB) provides participation loan solutions designed specifically for community banks across the United States.

With correspondent banking relationships spanning more than 29 states, UBB helps community banks purchase high-quality loan participations to diversify portfolios and sell participations to fund larger credits, all while maintaining local customer relationships.

If your community bank is seeking ways to deploy excess liquidity, diversify credit exposure, or enhance yield, UBB participation loans offer a proven strategy.

UBB’s experienced lending team evaluates commercial, agricultural, real estate, and specialty credits across regions, including the Pacific Northwest, Midwest, Great Lakes, and Southeast, creating opportunities for community banks to invest in strong loan structures and industries.

UBB funds a portion of every participation loan it offers. This shared-risk approach demonstrates confidence in underwriting quality and provides additional assurance to participating banks.

• Diversify your community bank’s loan portfolio by geography, industry, and credit type.
• Utilize excess capital or liquidity effectively.
• Improve net interest margin and overall financial performance.
• Invest alongside a trusted correspondent bank with aligned interests.
• Gain access to larger, well-structured lending opportunities.

When your borrowers’ credit needs exceed your legal lending limit or balance sheet capacity, UBB can partner with your institution to help fund larger loans. This partnership allows your community bank to continue serving key customers while maintaining primary banking relationships.

UBB collaborates with your lending team, serving as an extension of your bank’s credit resources to structure participation transactions efficiently and competitively.

• Retain customer relationships while funding larger commercial or real estate loans.
• Partner with a non-competing correspondent bank that supports community bank growth
• Meet evolving borrower needs and attract larger lending opportunities.
• Expand lending capabilities without increasing concentration risk.
• Strengthen earnings performance while supporting local economic development.

For more than 50 years, United Bankers’ Bank has helped community financial institutions buy and sell loan participations to manage growth, improve portfolio performance, and compete effectively in changing lending markets.

Whether your goal is to deploy capital strategically or serve larger borrowers with confidence, UBB delivers correspondent lending expertise and nationwide participation loan opportunities.