Specialty Lending and Leasing
Our experts work with you to understand your business, industry and unique needs now and in the future. In addition to traditional types of loans, we can recommend the best specialty lending and leasing options to help your business thrive. Learn more about our specialty lending and leasing offerings.
Employee Stock Ownership Plan (ESOP) Finance
An Employee Stock Ownership Plan (ESOP) is a qualified retirement plan. A company provides employees an ownership interest over time as a benefit for years of service at no upfront cost to the employee.
The Bankers Trust ESOP Finance team is a Midwest-based, nationally focused team that provides middle-market businesses with strategic ESOP lending. Our experienced team works with customers as they plan for structural change and growth. We employ a high-touch banking experience that allows customers to focus on their business as it navigates through the cultural and financial changes brought on by transitioning from a private company to a minority or majority ESOP owned company.
The Bankers Trust ESOP group is all-inclusive. We approach each new relationship with the assumption that we will be partners for years to come. We leverage our knowledge of ESOPs to provide customers with cash flow planning, repurchase-liability planning, as well as guidance on acquisition and expansion strategy as part of our ESOP lending customer experience.
ESOP Finance Transaction Types
Bankers Trust offers a variety of structures, including:
- Leveraged Financing for 100% Sale of Stock to ESOP
- Leveraged Financing for Minority Sale of Stock to ESOP
- Financing for Second Stage ESOP Transactions
- Working Capital Financing for ESOP Companies
- Merger and Acquisition Financing
- Seller Note Refinancing
Additional Resources
Bankers Trust is a proud member of the following organizations:
If you are thinking about transitioning your company to an ESOP, we will work with you to understand your business and its needs. We can connect you with our network of advisors, lawyers, accountants, valuation firms and trustees who can help determine the best route for you and your business.
ESOP Finance Contacts
Kelly Robus
VP, Associate Managing Director – Specialty/ESOP Finance
453 7th Street
Des Moines, IA 50309
(515) 247-2124
[email protected]
Jenny Leonard
VP, Relationship Manager – ESOP Finance
453 7th Street
Des Moines, IA 50309
(515) 245-5247
[email protected]
Trevor Kauk
Officer, Specialty Finance Relationship Manager
453 7th Street
Des Moines, IA 50309
(515) 245-2894
[email protected]
Equipment Finance
The Bankers Trust Equipment Finance team provides a variety of financing solutions for businesses to purchase equipment, vehicles, technology and more. Our team is focused on providing customized solutions to meet your company’s equipment financing and leasing needs.
Industries We Serve
We provide equipment financing and leasing to most industries in the Midwest and Arizona. Some of these include manufacturing, distributing, wholesaling, service, construction, transportation, healthcare, technology and food processing.
Equipment Finance Products
- Debt Financing
- TRAC Leases
- Operating Leases and Capital Leases
- Municipal Financing
- Wholesale and Syndication Service
Equipment Finance Contacts
Eric Drexler
Managing Director, Equipment Finance
453 7th Street
Des Moines, IA 50309
(515) 248-1308
[email protected]
Kellie Clinton
Equipment Finance Relationship Manager
453 7th Street
Des Moines, IA 50309
(515) 248-1377
[email protected]
Financial Institutions
Bankers Trust has been a correspondent banking partner to financial institutions across the Midwest for more than 100 years. In that time, our goal has always been to help you meet the financial needs of your customers. We do this by offering a relationship-based approach to provide comprehensive solutions to help community banks maximize profit, while ensuring the highest level of service and expertise.
Learn more about the services Bankers Trust offers other financial institutions.
Loan Participations
Whatever size loan is needed, Bankers Trust can compete locally with any national lender for your loan participation needs. Decisions are made locally so you can enjoy quick turnaround.
Through a relationship-focused approach, Bankers Trust distributes a diverse range of financing solutions through a developed network of lending institutions. Our team focuses on local and regional middle-market companies in the Commercial and Industrial, Commercial Real Estate, and Specialty Lending and Leasing market segments. When partnering with Bankers Trust, you’ll receive timely credit decisions and flexible financing options from an institution that has been locally owned and privately held for more than 100 years. Our team can provide:
- Participations
- Syndications
- Overlines
Lending Services
Bankers Trust provides expertise in lending and credit for correspondent banks, bank holding companies, and individuals. We have the resources, scale and customer service you demand for your clients, along with the relationship-focused, high-touch experience you’ve come to expect from Bankers Trust. We offer a variety of lending services for financial institutions customers, including:
- Bank Stock and Holding Company Facilities – Whether financing expansion, acquisition or other capital needs, Bankers Trust offers timely responses along with flexible terms and methods of payment.
- ESOP Facilities and Lines of Credit – Our ESOP specialists offer expertise and specialized resources, from a line of credit to provide plan liquidity or an acquisition facility.
- Fed Funds Lines of Credit – If a respondent bank is a client of Bankers Trust, we can work with your bank to provide an additional regulatory liquidity line. We offer both secured and unsecured lines of credit.
Financial Institutions Contacts
Ben Miller
VP, Managing Director – Financial Institutions
453 7th Street
Des Moines, IA 50309
(515) 245-5233
[email protected]
Regulation F Reporting Information
Bankers Trust provides the following current and historical capital ratio information to assist our financial institution partners in evaluating credit exposure in relation to transactions with Bankers Trust. As you can see, Bankers Trust continues to maintain ratios consistent with guidelines set forth by the Federal Reserve Board for a bank that is “well capitalized.”
Should you have any questions, please contact Emily Stork, EVP, Chief Risk Officer, at (515) 245-2820.
2024 Quarterly Ratios
| Quarter Ended 3/31/2024: | ||
| WELL CAPITALIZED BANK | REQUIRED | BANKERS TRUST |
| Total Risk Based Capital Ratio | 10.00% | 11.43% |
| Tier One Risk Based Capital Ratio | 6.00% | 10.21% |
| Leverage Capital Ratio | 5.00% | 10.09% |
| Quarter Ended 6/30/2024: | ||
| WELL CAPITALIZED BANK | REQUIRED | BANKERS TRUST |
| Total Risk Based Capital Ratio | 10.00% | 11.45% |
| Tier One Risk Based Capital Ratio | 6.00% | 10.36% |
| Leverage Capital Ratio | 5.00% | 10.05% |
| Quarter Ended 9/30/2024: | ||
| WELL CAPITALIZED BANK | REQUIRED | BANKERS TRUST |
| Total Risk Based Capital Ratio | 10.00% | 11.23% |
| Tier One Risk Based Capital Ratio | 6.00% | 10.14% |
| Leverage Capital Ratio | 5.00% | 10.09% |
| Quarter Ended 12/31/2024: | ||
| WELL CAPITALIZED BANK | REQUIRED | BANKERS TRUST |
| Total Risk Based Capital Ratio | 10.00% | 11.22% |
| Tier One Risk Based Capital Ratio | 6.00% | 10.13% |
| Leverage Capital Ratio | 5.00% | 9.88% |
2023 Quarterly Ratios
| Quarter Ended 3/31/2023: | ||
| WELL CAPITALIZED BANK | REQUIRED | BANKERS TRUST |
| Total Risk Based Capital Ratio | 10.00% | 11.40% |
| Tier One Risk Based Capital Ratio | 6.00% | 10.15% |
| Leverage Capital Ratio | 5.00% | 10.03% |
| Quarter Ended 6/30/2023: | ||
| WELL CAPITALIZED BANK | REQUIRED | BANKERS TRUST |
| Total Risk Based Capital Ratio | 10.00% | 11.30% |
| Tier One Risk Based Capital Ratio | 6.00% | 10.05% |
| Leverage Capital Ratio | 5.00% | 10.10% |
| Quarter Ended 9/30/2023: | ||
| WELL CAPITALIZED BANK | REQUIRED | BANKERS TRUST |
| Total Risk Based Capital Ratio | 10.00% | 11.27% |
| Tier One Risk Based Capital Ratio | 6.00% | 10.03% |
| Leverage Capital Ratio | 5.00% | 9.97% |
| Quarter Ended 12/31/2023: | ||
| WELL CAPITALIZED BANK | REQUIRED | BANKERS TRUST |
| Total Risk Based Capital Ratio | 10.00% | 11.26% |
| Tier One Risk Based Capital Ratio | 6.00% | 10.07% |
| Leverage Capital Ratio | 5.00% | 9.05% |
2022 Quarterly Ratios
| Quarter Ended 3/31/2022: | ||
| WELL CAPITALIZED BANK | REQUIRED | BANKERS TRUST |
| Total Risk Based Capital Ratio | 10.00% | 12.19% |
| Tier One Risk Based Capital Ratio | 6.00% | 10.82% |
| Leverage Capital Ratio | 5.00% | 9.39% |
| Quarter Ended 6/30/2022: | ||
| WELL CAPITALIZED BANK | REQUIRED | BANKERS TRUST |
| Total Risk Based Capital Ratio | 10.00% | 11.62% |
| Tier One Risk Based Capital Ratio | 6.00% | 10.46% |
| Leverage Capital Ratio | 5.00% | 10.04% |
| Quarter Ended 9/30/2022: | ||
| WELL CAPITALIZED BANK | REQUIRED | BANKERS TRUST |
| Total Risk Based Capital Ratio | 10.00% | 11.31% |
| Tier One Risk Based Capital Ratio | 6.00% | 10.20% |
| Leverage Capital Ratio | 5.00% | 10.20% |
| Quarter Ended 12/31/2022: | ||
| WELL CAPITALIZED BANK | REQUIRED | BANKERS TRUST |
| Total Risk Based Capital Ratio | 10.00% | 11.16% |
| Tier One Risk Based Capital Ratio | 6.00% | 9.99% |
| Leverage Capital Ratio | 5.00% | 9.76% |
2021 Quarterly Ratios
| Quarter Ended 3/31/2021: | ||
| WELL CAPITALIZED BANK | REQUIRED | BANKERS TRUST |
| Total Risk Based Capital Ratio | 10.00% | 12.44% |
| Tier One Risk Based Capital Ratio | 6.00% | 11.06% |
| Leverage Capital Ratio | 5.00% | 8.79% |
| Quarter Ended 6/30/2021: | ||
| WELL CAPITALIZED BANK | REQUIRED | BANKERS TRUST |
| Total Risk Based Capital Ratio | 10.00% | 12.32% |
| Tier One Risk Based Capital Ratio | 6.00% | 10.95% |
| Leverage Capital Ratio | 5.00% | 8.93% |
| Quarter Ended 9/30/2021: | ||
| WELL CAPITALIZED BANK | REQUIRED | BANKERS TRUST |
| Total Risk Based Capital Ratio | 10.00% | 12.43% |
| Tier One Risk Based Capital Ratio | 6.00% | 11.18% |
| Leverage Capital Ratio | 5.00% | 9.15% |
| Quarter Ended 12/31/2021: | ||
| WELL CAPITALIZED BANK | REQUIRED | BANKERS TRUST |
| Total Risk Based Capital Ratio | 10.00% | 12.14% |
| Tier One Risk Based Capital Ratio | 6.00% | 10.79% |
| Leverage Capital Ratio | 5.00% | 8.92% |
2020 Quarterly Ratios
| Quarter Ended 3/31/2020: | ||
| WELL CAPITALIZED BANK | REQUIRED | BANKERS TRUST |
| Total Risk Based Capital Ratio | 10.00% | 11.33% |
| Tier One Risk Based Capital Ratio | 6.00% | 10.08% |
| Leverage Capital Ratio | 5.00% | 9.56% |
| Quarter Ended 6/30/2020: | ||
| WELL CAPITALIZED BANK | REQUIRED | BANKERS TRUST |
| Total Risk Based Capital Ratio | 10.00% | 11.61% |
| Tier One Risk Based Capital Ratio | 6.00% | 10.36% |
| Leverage Capital Ratio | 5.00% | 9.19% |
| Quarter Ended 9/30/2020: | ||
| WELL CAPITALIZED BANK | REQUIRED | BANKERS TRUST |
| Total Risk Based Capital Ratio | 10.00% | 11.70% |
| Tier One Risk Based Capital Ratio | 6.00% | 10.33% |
| Leverage Capital Ratio | 5.00% | 9.04% |
| Quarter Ended 12/31/2020: | ||
| WELL CAPITALIZED BANK | REQUIRED | BANKERS TRUST |
| Total Risk Based Capital Ratio | 10.00% | 11.96% |
| Tier One Risk Based Capital Ratio | 6.00% | 10.71% |
| Leverage Capital Ratio | 5.00% | 8.44% |
Treasury Management
Bankers Trust offers a full array of Treasury Management services, and our professionals work with you one-on-one to assist in your business needs. We make it easy by helping to minimize expenses, control cash balances and add convenience for you and your customers in your banking relationship. Our services are flexible and scalable to accommodate your changing business needs.