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Past Bank Conference Events

"Under the Radar" - the Virtual Bank Conference Where Banks and Investors Come Together to Explore Opportunities

Explore past virtual events and conferences. Conferences Detailed Below: December 11, 2024 - Under the Radar November 8 & 9, 2023 - Under the Radar March 29, 2023 - California Clarification (Mini)Conference September 13, 2022 - Under the Radar June 8, 2021 - Under the Radar Virtual Events Detailed Below:December 6, 2022 - Credit Unions and M&A

December 11th, 2024 Virtual Bank Conference

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Under the Radar 2024

Keynote Speaker: Michael M. Bell

Michael Bell

Mr. Bell serves as leader of the Financial Institutions practice at Honigman. He represents financial institutions throughout the United States and has completed over 50 M&A transactions in the past five years. In 2011, he pioneered a new option for credit unions to achieve rapid growth with the first purchase of a whole bank by a credit union. For the past decade, he has completed the majority of credit union purchases of banks and has become the nationwide leader and go-to legal adviser in this space. Mr. Bell has also helped credit unions acquire other businesses, including insurance and investment companies, trust companies, real estate brokerages, mortgage originators, and specialized lenders. He additionally advises financial institutions on all regulatory matters at the state and federal levels. Mr. Bell has extensive experience counseling individual entrepreneurs through publicly traded companies on non-organic growth and strategic planning strategies. Mr. Bell leverages his experience as an entrepreneur to examine the business side of the legal issues his clients encounter to provide better counsel and strategic advice. He is adept at fully understanding each client’s unique business model and operations, allowing him to tailor his approach to their specific needs. Mr. Bell is also a sought-after media source and has contributed to reporting in a wide range of influential publications, including The Wall Street Journal, MarketWatch, American Banker, S&P Global, Banking Dive, and Bloomberg.

Presenting Banks Include:

Agenda


Keynote SpeakerMichael Bell, Attorney, Honigman LLPWill address the growing trend of Credit Unions Acquiring Banks Mid Penn Bancorp, Inc. (MPB) and William Penn Bancorporation (WMPN)A valuable opportunity for WMPN shareholders to get to know MPB's management and franchise. At-a-Glance Stats- WMPNAt-a-Glance Stats - MPBSlides MPB
Kish Bancorp, Inc. (KISB)Strong dividend payer with a valuable wealth management and insurance franchise.At-a-Glance Stats Slides
White River Bancshares Co. (WRIV)Recent capital raise and new board addition support growth opportunities in fast-growing markets and in a fast-growing demographic group.At-a-Glance StatsSlides
SR Bancorp, Inc. (SRBK)Converted to public ownership on Sept 19, 2023; announced a 10% buyback on Sept 19, 2024.At-a-Glance StatsSlides Ponce Financial Group, Inc. (PDLB)Proposed revised Treasury guidelines on ECIP redemptions create a meaningful potential opportunity.At-a-Glance StatsSlides Endeavor Bancorp (EDVR)Commercially-focused growth bank that never had NIM compression.At-a-Glance StatsSlides American Riviera Bank (ARBV)Deposits grew at a 24% annualized pace - and the interest-free mix increased to 41.5%.At-a-Glance Stats Slides
Blue Ridge Bankshares, Inc. (BRBS)June 2024 recap with strong sponsors and an accomplished new management team.At-a-Glance StatsSlides First Western Financial, Inc. (MYFW)Growing wealth management opportunity in strong Western growth marketsAt-a-Glance StatsSlides Sound Financial Bancorp, Inc. (SFBC)Pacific Northwest franchise with a history of consistency, quality, and for finding valuable niche banking opportunities.At-a-Glance Stats
Click here to access the session recordings

November 8th & 9th, 2023 - Under the Radar Keynote Speakers

Sundie Seefried, CEO SHF Holdings, Inc. (SHFS) Safe Harbor Financial is a fintech spin-off from a credit union that partners with banks (and credit unions) to provide banking products and compliance to customers in the Cannabis industry. Sundie will discuss the growth and risk in the industry and how SHFS is positioned in it. Cannabis is of interest to bank investors looking at the current conversion of Needham Bank which has 7.4% of deposits and 3% of loans to customers in or related to the Cannabis industry. Mike Godby, Managing Director, Janney Montgomery Scott LLC Mike will discuss a key issue on bank investors' minds: interest rate fair value marks. In a Q&A format he will address what the calculations are and where the data is sourced, why investors are focused on it now, the implications for M&A, and other thoughts.

Mike Godby

Janney Montgomery Scott LLC
Mike has more than 29 years of financial services experience, with deep expertise in mutual-to-stock conversions.

Sundie Seefried

Safe Harbor Financial
A 39-year credit union industry veteran, Seefried was the former CEO of Partner Colorado Credit Union (PCCU). Established in 2015 by PCCU, Safe Harbor was formed to provide an unmet need – compliant banking and financial services to the rapidly growing U.S. cannabis industry. Seefried designed a full-scope Cannabis Banking Program for PCCU known as the Safe Harbor program, which has withstood the scrutiny of 16 federal and state exams to date.
Now in its 8th year, Safe Harbor has grown to nearly 600 accounts spanning 20 states, and processed over $12 billion in cannabis-related transactions. Presentation

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Presenting Banks Presentations & At-a-Glance Stats

LCNB Corp. - LCNBAvidbank Holdings, Inc. - AVBHPB Bankshares, Inc. - PBBKAmerican Riviera Bank - ARBVFentura Financial, Inc. - FETM
Ponce Financial Group, Inc. - PDLBWaterstone Financial, Inc. - WSBFBankwell Financial Group, Inc. - BWFGSR Bancorp, Inc. - SRBKWhite River Bancshares Co. - WRIV

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American Riviera Bank - ARBV
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Avidbank Holdings, Inc. - AVBH
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Bankwell Financial Group, Inc. - BWFG
Presentation

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Fentura Financial, Inc. - FETM
Presentation

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LCNB Corp. - LCNB
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PB Bankshares, Inc. - PBBK
Presentation

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Ponce Financial Group, Inc. - PDLB
Presentation

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SR Bancorp, Inc. - SRBK

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Waterstone Financial, Inc. - WSFB
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White River Bancshares Co. - WRIV
Presentation

California Clarification (Mini)Conference

March 29, 2023

Keynote Speakers:

Simone Lagomarsino

President and Chief Executive Officer of Luther Burbank Corporation and Luther Burbank Savings
Prior to joining the Company, Ms. Lagomarsino served as President and CEO of the Western Bankers Association and as a director of Pacific Premier Bancorp (NASDAQ: PPBI). From 2011 to 2017, she served as CEO of Heritage Oaks Bank and as President and CEO of Heritage Oaks Bancorp. Previous to that, she held executive positions with City National Bank, Hawthorne Savings, Kinecta Federal Credit Union, Ventura County National Bank and Warner Center Bank. Ms. Lagomarsino is regularly honored in financial services industry organizations and publications and in 2013 was named by American Banker as Community Banker of the Year. In addition to her role at the Company, she has served as Chair of the Board of Directors of the Federal Home Loan Bank of San Francisco since 2022 and as a director since 2013. She has served on the board of directors of the Federal Reserve Bank of San Francisco since 2022 and was re-elected in 2022 to a three-year term. She served as a director of Hannon Armstrong Sustainable Infrastructure Capital, Inc. (NYSE: HASI) from 2019 to 2022. Ms. Lagomarsino holds an M.B.A in Finance from Claremont Graduate University and a B.A. in Economics from Claremont McKenna College. Ms. Lagomarsino will talk about the following topics:
Recent events in the banking industry, and her thoughts regarding possible changes in banking regulation, and her projections regarding interest rates, the California Economy including real estate, population growth, and bank M&A Bank and leadership.

Mike Scarpa

Managing Director - U.S. Financial Services, Cyber Risk & Regulation, Price Waterhouse Coopers
Mike works as a Managing Director within the Cyber, Risk, Regulatory, and Financial Crimes team at PwC. Prior to joining PwC, Mike was a Managing Director in another Big Four’s Financial Services Regulatory Compliance and Risk practice, leading the Banking Safety and Soundness sub-practice and the Digital Assets practice. During his tenure, Mike was instrumental in delivering regulatory compliance and risk management engagements to traditional and challenger financial institutions and fintech firms. Mike also has extensive experience with financial institution licensure, product registration, risk and control design, capital adequacy, recovery, wind-down/resolution planning for non-banking financial technology firms, enterprise risk, state and federal banking regulations, third-party/vendor risk, recordkeeping and regulatory reporting, Board/Management Reporting and three lines of defense expectations. Mike was regulatory counsel at an institutional broker-dealer and directly supported a former OCC Large Bank Principal Examiner with regard to Asset Liability Management, Liquidity Risk Management/ Contingency Funding planning, Concentration Risk Management, and a myriad of other safety and soundness areas prior to joining his previous Big Four firm.
Mike Scarpa will address the following topics:Interest Rate Risk/Asset Liability Management, Liquidity Risk Management, Contingency Funding Planning, FDIC assessment basics, and potential areas of risk management and regulatory compliance that may change in light of what’s happened.
Click Here to Access the Videos & Presentations

Bank Presenters:

American Riviera Bancorp (ARBV) Jeff DeVine, CEOMichelle Martinich, CFO
Summit State Bank (SSBI) Brian Reed, CEOCamille Kazarian, CFO
Bank of San Francisco (BSFO) Ed Obuchowski, CEO & FounderWendy Ross, President & FounderJennifer Corr, CFOFelix Miranda, Commercial Banking Manager
Avidbank Holdings, Inc. (AVBH) Mark Mordell, CEO
Endeavor Bancorp (EDVR) Dan Yates, CEO Steven Sefton, President

Credit Unions And M&A Tuesday, December 6, 2022

Derek Szot - Piper Sandler
Derek Szot is a managing director in the financial services group at Piper Sandler, and its predecessor Sandler O’Neill.
He provides strategic advice primarily to depository financial institutions throughout United States.Derek has significant experience working with credit unions and mutual savings banks. This includes capital planning within the credit union and mutual structures, the conversion process where merited (including both credit union to mutual and mutual to stock company), and post-conversion capital management
strategies. In addition, Derek has an extensive background in mergers and acquisitions with particular expertise in financial modeling and helping clients assess the impact of various strategic alternatives to their base operations.
Before re-joining Sandler O’Neill in 2004, Szot was co-founder and principal of Y-Merge, which was acquired by SNL Financial (S&P Global). He originally joined Sandler O’Neill in 1993.Szot is a graduate of both the Wharton School of the University of Pennsylvania and Columbia University.
Derek Szot from Piper Sandler addressed the following topics:• The history of CU-bank deals• Drivers of CU acquisitions• Deal metrics• Deals that did not go through and why?• Any predictability-what to look for in bank targets?• Are credit union to mutual bank conversions dead?• What is the Liquidation Account for converted mutual targets all about?• Regulatory environment for CU-bank deals
Click_Here_to_Access_Slides&Video!

September 13, 2022 - Under the Radar Keynote Speakers:

Mike Godby

Janney Montgomery Scott LLC
Mike has more than 29 years of financial services experience, with deep expertise in mutual-to-stock conversions. Topic: The current mutual bank conversion landscape

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Reid Brewer

Piper Sandler
Reid provides strategic general industry and economic advisory, M&A transaction advisory and capital raising services to depository institutional clients in the Southeast.
Topic: Mergers & acquisitions in an age of securities markdowns

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Bank Presenters:

Avidbank Holdings, Inc. (AVBH) - At-A-Glance SummaryBankwell Financial (BWFG) - At-A-Glance SummaryFirst Bancshares (FBMS) - At-A-Glance SummaryFlushing Financial (FFIC) - At-A-Glance SummaryLCNB National Bank (LCNB) - At-A-Glance SummaryLiberty Northwest (LBNW) - At-A-Glance SummaryMagyar Bancorp, Inc. (MGYR) - At-A-Glance SummaryPB Bankshares (PBBK) - At-A-Glance SummaryPonce Financial (PDLB) - At-A-Glance SummaryWhite River Bancshares (WRIV) - At-A-Glance Summary

September 2022 Bank Presentations

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FBMS
The First Bancshares, Inc.

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FFIC
Flushing Financial Corporation

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LCNB
LCNB Corporation

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MGYR
Magyar Bancorp, Inc.

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WRIV
White River Bancshares Co.

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PBBK
PB Bankshares, Inc.

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PDLB
Ponce Financial Group, Inc.

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LBNW
Liberty Northwest Bancorp, Inc.

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AVBH
Avidbank Holdings, Inc.
Presenting Banks Overview Avidbank Holdings, Inc. (AVBH) is a niche-focused west coast bank trading close to tangible book that recently raised capital from several big bank investors with one of them recently joining the Board of Directors.
Bankwell Financial Group, Inc. (BWFG) is a high-performance bank with a valuable deposit franchise in Fairfield County, CT, and a strong board of directors trading at 1.12x tangible book.
The First Bancshares, Inc. (FBMS) acquired Heritage Southeast Bancorporation (HSBI) after HSBI terminated its sale to a credit union; an opportunity for HSBI shareholders to get to know FBMS better.
Flushing Financial (FFIC) is a $6.4B metro-NY deposit franchise trading around TBV with interesting growth initiatives in Fintech and local niche markets.
LCNB Corp. (LCNB) is one of the strongest deposit franchises in one of the strongest midwest markets with one of the strongest dividend yields. Liberty Northwest Bancorp, Inc. (LBNW) is a de novo bank with a strong deposit base in the attractive Seattle MSA market that just listed its stock on the OTCQX market.
Magyar Bancorp, Inc. (MGYR) is a recent thrift conversion selling at a discount to tangible book just past its 1-year anniversary with a special dividend, regular dividend, and a 5% share repurchase authorization already under its belt.
PB Bankshares (PBBK) is a recent thrift conversion selling well-below TBV that just passed its one-year anniversary with a 10% buyback authorization. Ponce Financial Group, Inc. (PDLB) - recent 2nd step conversion trading below offer price and below tang book even adjusted for fintech exposure with excess capital and a track record of accretive capital management. White River Bancshares Co (WRIV) is a growth bank with strong deposits in attractive northern AR market trading at 1x tangible book, an opportunity to get an update on recent investments and growth opportunities in an "under the radar" part of the country.

June 8, 2021 - Under the Radar

Keynote Speakers:

Mike GodbyJanney Montgomery Scott LLC Mike has more than 29 years of financial services experience, with deep expertise in mutual-to-stock conversions.
Joey WarmenhovenJWTT, Inc. Joey runs one of the most active small to micro-cap bank market-making desks in the country.
June 8, 2021 Conference Agenda
Click On Red Links Below For Recorded Sessions
IntroductionKeynote Speaker: Mike GodbyPhilly Area Bank: William Penn Bancorp (WMPN) - Ken Stephon, President & CEO
Midwest Bank Panel: FFBW, Inc. (FFBW) - Edward Schaefer, President & CEOFirst Savings Financial (FSFG) - Tony Schoen, CFO
Strong Deposit Franchises: Eagle Bank of Montana (EBMT) - Peter Johnson, President & CEOSalisbury Bancorp (SAL) - Richard Cantele, President & CEOWhite River Bancshares (WRIV) - Scott Sandlin, Chief Strategy Officer
CapStar Financial (CSTR) - Denis Duncan, CFO
East Coast Opportunities: ES Bancshares (ESBS) - Philip Guarnieri, CEOPartners Bancorp (PTRS) - Lloyd Harrison, CEO
West Coast Banks:Bank of San Francisco (BSFO) - Edward Obuchowski, CEORiverview Bancorp (RVSB) - David Lam, CFOSaviBank (SVVB) - Mike Cann, Chairman & CEO
Keynote Speaker: Joey Warmenhoven
Community Banks with Fintech: First Northwest Bancorp (FNWB) - Matt Deines, President & CEO Provident Bancorp (PVBC) - Carol Houle, CFO
MHC Panel:PDL Community Bancorp (PDLB) - Carlos Naudon, President & CEOPioneer Bancorp (PBFS) - Tom Amell, President & CEO
Non-Public Emerging Banks: Liberty Bank (Seattle Area) - Rick Darrow, CEONew Valley Bank & Trust (Massachusetts) - Jeff Sullivan, CEO >> Download June 8 Virtual Bank Conference Data Spreadsheet (PDF)
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OTCQX: BSFOBank of SF Presentation
NASDAQGS: CSTRCapStar Presentation
OTCPK: ESBS
NASDAQGM: FNWB
NASDAQCM: FFBWFFBW Presentation
NASDAQCM: FSFG
Private
PrivateNew Valley Presentation
NASDAQGM: EBMTEBMT Presentation
NASDAQCM: PTRS
NASDAQCM: PBFS
NASDAQGM: PDLB
NASDAQCM: PVBC
NASDAQGS: RVSB
NASDAQCM: SAL
OTCPK: SVVB
OTCQX: WRIV
NASDAQCM: WMPN
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