Bank Interviews with VirtualBankConference.com

Explore The World of Bank Investing via 1:1 Interviews

Join Virtual Bank Conference founders Julienne Cassarino and Ian Green as they go in depth with featured community bank executives to learn more about their franchises, how each manages capital, and the outlook for earnings.
Featured Bank Interviews

White River Bancshares Co (WRIV)

White River Bancshares Co (WRIV) Chief Strategy Officer speaks with Julienne Cassarino and Ian Green from VirtualBankConference.com, updating them on the bank's successes since June 2021.
White River is back with a follow up interview since presenting at our June 202`1 conference. This Northern Arkansas bank is at the center of a dynamic growth region of the country. It has been capitalizing on the growth trough various technology initiatives and branch expansions. An exciting new development is their strategy to reach a growing Hispanic population in their area. The interview discusses the bank's strategies, its outlook, the state of its construction loan book, and its capital management. For more information about White River Bancshares Co, download Julienne's EBMT at-a-glance stats.

Eagle Bancorp Montana, Inc. (EBMT)

Listen to Pete Johnson CEO and Laura Clark CFO from EBMT discuss their recent merger with Julienne Cassarino and Ian Green.
Eagle Bancorp Montana, Inc. (EBMT) has been active since presenting at our Under the Radar Virtual Bank Conference with a 28% dividend increase, a Dutch Auction for 3.7% of outstanding shares, and their largest acquisition to date of $377m First Community Bancorp, Inc. (Private) in eastern MT giving EBMT 32 branches in a state with increasingly strong demographic trends. This also makes EBMT one of the few publicly-traded banks in the country with a meaningful loan book of Agriculture (20% of total loans pro forma). Please watch our interview for insights on pro forma metrics, capital management, growth opportunities, and a primer on Ag lending. For more information about Eagle Bancorp Montana, Inc., download Julienne's EBMT at-a-glance stats. You can also download EBMT's presentation about their recent merger. To access EBMT's presentation from the June 8, 2021 event, visit Past Events.

Lake Shore Bancorp, Inc. (LSBK)

In this 57:11 minute interview, Lake Shore Bancorp's executives Dan Reininga and Rachel Foley join Ian Green and Julienne Cassarino to discuss community banking, the Lakeshore Bancorp franchise, credit and loan demand, capital management, earnings power, and outlook.
Please join us in taking a closer look at Lake Shore Bancorp, Inc. (LSBK). LSBK is a $711m asset, 12 branch bank in the greater Buffalo MSA. Their deposit franchise features 20% interest-free deposits and a cost of total deposits of 40bps. The loan book is 45/55% consumer residential/commercial with 20% of loans in multi-family. LSBK's market cap is $84.5m with 63% of the stock owned by the mutual holding company (MHC). Should LSBK decide to sell the MHC stock at the current stock price of the traded stock, LSBK stock would be trading at 64% of fully-converted tangible book value and would have over 17% capital-to-assets. As a partially-public company, LSBK has not done acquisitions, has been repurchasing shares and pays a strong dividend of almost 4%.
For more information about Lake Shore Bancorp, download the at-a-glance stats and branch map document.
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