John Holt Offers New Insight on How Community Banks Can Thrive

John Holt is the CEO of NexBank. He has been very successful at making company’s commercial banking sector lucrative. He was recently the panelist at the Texas Bankers Association’s 5th Annual Strategic Opportunities and M&A Conference. Participants at this conference look at ways banks can experience organic levels of growth. This is important because successful banks are usually pillars of the local community. Mr. Holt’s presentation looked at how community banking could be reinvigorated. Community banking has been dying in recent years due to a variety of different external forces that crush smaller banks.

Various recent regulations have forced these banks to reconsider how they can provide value to the communities they serve. Community banks are usually locally operated. They function differently from how a large banking firm may operate. Community banks are declining in number, but that is partially because some are merging into larger banking institutions. NexBank has its own line of credit services that it offers to community banks. These services offer competitive yields.

NexBank provides services related to commercial loans and mortgages. They offer their customers online banking options. The company currently holds $8.4 billion in assets. NexBank offers warehouse lending services. Warehouse loans may use inventories held in the warehouses as collateral. These are typically short term loans that allow the business to quickly cover overhead expenses.

NexBank also offers commercial loans. These are tailored around the needs of each customer. Some customers may want to secure a loan that has fixed payments. The business also originates SBA loans. SBA loans are guaranteed by the United States government. This allows NexBank to originate loans with flexible interest rates. NexBank also offers real estate advisory services. Their experts assess property values. They find new ways for customers to maximize the value of their real estate investment.