Founded in 1999, A.G. Newcomb, a management consulting firm based in Columbia, MD, works with community banks in the development and the execution of their strategic vision. Our team of banking experts has a wide breadth of financial and strategic consulting expertise on such corporate initiatives as:

•  Strategic planning; business plans
•  Consumer & business banking strategies
•  Branch acquisitions / divestitures—Valuation, negotiation, merger integration
•  Capital plans; financial forecasts
•  Strategic market positioning-- product assessments; online banking strategies; market assessments
•  Organization assessments

Accume Partners is an internal auditing and advisory firm specializing in governance, compliance, internal audit, risk and operations management and IT consulting services. Founded in 1994, Accume Partners has served over 500 clients in such industries as banking, insurance, investment management, real estate, and manufacturing. Our seasoned professionals help clients identify and control risks, improve corporate governance, re-engineer business processes, enhance operating performance, and optimize the alignment of information technology with business goals and strategies.

We have particular expertise in banking and financial services and we have served over 400 financial institutions. For more information on how we can assist your bank, please visit www.accumepartners.com.

Founded in 1994, American Technology Services, Inc. is a leading provider of high quality, reliable IT services for financial institutions. We have broad experience in network infrastructure, end-user support, web-based development, managed hosting, and web-related technologies.

Our professional consultants have over twenty years of financial institution IT expertise. We routinely work with various teller, platform, and loan applications programs, ATM vendors, back-office systems, and other specialized equipment and software. Contact us today!

ATI Solutions, Inc. (ATI) is a full-service IT company that provides turnkey solutions for small to medium-sized businesses, mostly serving the financial services industry.  They provide IT services, data center and disaster recovery services. 

BFS is a national firm, headquartered in Princeton, N.J., with 11 Regional Offices and 17 Regional Partners. BFS works exclusively with community and regional banks to create, manage, finance (with BOLI), and service Non-Qualified Supplemental Benefit plans for Top Executives and Directors/Trustees.

Through BFS’s Principals, Regional Partners, and staff, we have extensive experience in the financial services, accounting, qualified & non-qualified benefits, and banking industries. Our exclusive focus on non-qualified benefits for bankers and BOLI financing of these plans, makes BFS uniquely qualified to provide meaningful benefits to attract, retain and reward the key drivers of the success of a community/regional bank, while positively impacting the bank’s bottom-line.

As a world leading provider of secure transportation and cash management services, Brink’s has been transporting cash and valuables since 1859.  Brink’s is a full-service provider of secure logistics solutions utilizing our advanced technology, equipment and communications systems to provide end-to-end cash management.

Cliber Compliance, LLC offers regulatory compliance consulting in the areas of AML/BSA/OFAC, Loans, and Deposits. For over 15 years, Jennifer Cliber Smith, CRCM has provided auditing, training, policy and procedure development, and other regulatory consultant services in Maryland. She has also been a frequent speaker at Compliance Conferences and seminars. Cliber Compliance, LLC also provides a newsletter of timely advice, insights, hot topics, sample forms, etc.

Audits include: Annual Independent AML/BSA/OFAC Audit, HMDA Review, Loan Compliance (including the new and changed requirements), Fair Lending/Side-by-Side Comparisons, CRA Analysis, Reg CC, Reg E, Reg DD, NOW Account Ownership, Money Market and Savings Account Transaction Review, Nondeposit Investment Products, Overdraft Privilege, etc. Training includes: AML/BSA/OFAC tailored to each institution, Loan Compliance (inclusive of recent changes and new requirements), HMDA, Reg B and Fair Lending, CRA, Deposit Compliance, and more.

With origins dating back to 1919, CohnReznick is currently the 11th largest accounting, tax and advisory firm in the United States, combining the resources and technical expertise of a national firm with the hands-on, entrepreneurial approach that today's dynamic business environment demands. CohnReznick serves a large number of industries and offers specialized services for Fortune 1000 companies, middle-market firms, international enterprises, government agencies, not-for-profit organizations, and other key market sectors.

Headquartered in New York, NY, CohnReznick serves its clients with 25 offices, more than 280 partners, and 2,000 employees. The firm is a member of Nexia International, a global network of independent accountancy, tax, and business advisors. For more information, visit www.cohnreznick.com.

Credit Risk Management, established in 1989, provides US community and regional banks with superior credit risk management products and processes. These are integrated across the entire credit function to promote a sound and consistent credit culture. CRM clients get practical and strategic advice and personal service from experienced bankers who have walked in their shoes. This results in superior lending, risk management and compliance practices that complement the Bank’s credit philosophy. Our team of over 40 associates offers our clients, collectively, over 500 years of credit experience (most as lenders and/or credit officers) and 130 years of documentation, training, regulatory and/or legal experience.

Credit Risk Management has over 175 regional and community banks as clients. We currently support over 90 customized Online Credit Manuals and over 75 CRM toolbar clients. We provide recurring, periodic loan reviews for over 75 client institutions. CRM has performed over 30 independent assessments of loan portfolio quality and loss reserve adequacy as part of merger, acquisitions, or recapitalization due diligence.

Direct Connect offers special programs for community banks. We help your organization expand services without additional investment, bring in revenue and keep your business customers satisfied. Direct Connect has provided payments solutions for thousands of merchants throughout the U.S. for more than 15 years. We have a highly knowledgeable and experienced Management Team (combined 100+ years experience) and Service Staff (average tenure 5+ years) to support you and your merchants.

Direct Connect has been endorsed by over 40 banks representing 300 branches and process for many chambers of commerce. We are members of the Virginia & Maryland Bankers Associations, Electronic Transactions Association, and more. Direct Connect is minority-owned and BBB Accredited with an A+ rating.

Dixon Hughes Goodman LLP (CPAs and Advisors) has been serving financial institutions for nearly eighty years and is the largest CPA firm based in the Mid-Atlantic and Southern U.S., ranking among the nation’s top 15 in size in the country. Our Financial Institution Services Group presently serves more than 150 banks across the Mid-Atlantic and Southern U.S., including community, regional and U.S. Top 10 banks. We have 20 partners with an average of 25 years’ experience serving financial institutions and more than 125 professionals dedicated to your industry. We provide external audit, SEC reporting, internal audit, tax compliance and consulting, IT reviews and consulting, Sarbanes-Oxley assistance, FDICIA assistance, merger due diligence, risk assessments, compliance services and FDIC assisted transaction services.

Fiserv is the leading global provider of information management and electronic commerce systems for the financial services industry.  Fiserv delivers financial services technology solutions in five areas of competence:

• Payments – Solutions for optimizing all aspects of the payments mix to help create efficiency and drive growth
• Processing Services – Solutions for reliably and securely managing account-based transactions
• Risk & Compliance – Solutions for proactive risk prevention and mitigation
• Customer & Channel Management – Solutions for attracting, retaining and growing customer relationships
• Insights & Optimization – Solutions that help transform data from information to actionable business insights

Kaplan & Associates, Inc. (K&A) is a retained executive search and human capital consulting firm headquartered in Philadelphia. K&A partners with Boards and CEOs to provide advice on the identification and assessment of new leaders, senior operating executives and Directors. The firm is an acknowledged leader in the fields of talent management and leadership succession across the banking and financial services industry, and is the country’s only retained executive search firm member of the Maryland Bankers Association and the American Bankers Association.

K&A was founded in 1994 by Alan J. Kaplan, a former corporate banker with over twenty years of executive search and talent management expertise in the banking industry. The firm has developed particular expertise supporting community banks throughout the state and region. K&A has completed assignments for every senior position in banking, including dozens of CEOs, COOs, and CFOs, as well as heads of Lending, Retail, Marketing, Wealth Management, Human Resources, Technology and Operations. In addition to its core executive search capabilities, the firm assists clients with the confidential assessment of management teams during succession planning and acquisition due diligence.

Over the past 60 years, KPMG’s Baltimore office has served and continues to serve many of the organizations that constitute the foundation of local business. We currently have approximately 200 professionals, including 17 partners and managing directors, and rank among the most respected and established professional services firms in the area. We have a thriving practice that provides audit, tax, and advisory services to companies and institutions of all sizes as they pursue capital, smart growth, and global expansion. In addition to the broad range of services we offer, our partners and professionals bring concentrated knowledge in several industries, specifically community banking, that are key to Baltimore.

KPMG LLP, the audit, tax and advisory firm (www.us.kpmg.com), is the U.S. member firm of KPMG International Cooperative (“KPMG International”). KPMG International’s member firms have 140,000 professionals, including more than 7,900 partners, in 146 countries. Our purpose is to turn knowledge into value for the benefit of our clients, our people, and the capital markets. Our member firms aim to provide clients with a globally consistent set of multidisciplinary financial and accounting services based on deep industry knowledge.

L.R. Webber Associates, Inc. strives to provide MBA members with reliable, efficient and competitive Employee Benefits programs. Our goal is to assist your bank with the design, implementation, enrollment and servicing of your employee benefits program. L.R. Webber’s services are designed to provide employee claims and coverage support while reducing the administration and cost burdens on the human resource department. These services include:

• Benefit Plan Design and Implementation Strategies
• Flexible Spending and Health Reimbursement Account Administration
• Peer Group Comparisons
• 401(k) and Defined Contribution Plan Design
• Employee Awareness, Education and Communication

Since its creation in 1976, L.R. Webber Associates, Inc. (LRW) has worked to create a true partnership atmosphere with its clients. LRW, located in Hollidaysburg, PA, brings over 100 combined years of providing first-class employee benefits & retirement plan advisory and administrative experience to the MBA. They believe in a “client-directed relationship” and are committed to helping you create a “Human Capital Connection” that connects one of your greatest assets, your people, to the growth of your bottom line.

Mortgage Department Services, LLC (MDS) provides full service, turn-key mortgage banking services for small to medium size Community Banks. Using our platform, out client banks originate residential mortgages on our web-based SAS70 compliant software. MDS completes the processing, closing, post closing and delivery to the secondary market, providing the client bank with significant gain on sales revenue. This complete end to end solution allows smaller Community Banks to participate in selling long term reisidential loans for cash rather than booking these assets on the balance sheet. Our services are billed on a variable basis on your successful closings, making us a small variable cost paid out of your larger gain on sales revenue.

MDS is owned in part by five local Maryland-based Community Banks along with Michael Sterner and Deborah Miller. Please contact us for more information at 410-413-2475 or visit our Website at www.mdsllcmd.com.

Ober|Kaler's Financial Institutions Group covers all aspects of regulation including: mergers and acquisitions, corporate finance (both debt and equity), mutual conversions, expansion and definition of bank powers, lending limits, dealings with affiliates, fair lending, administrative and holding company issues. Complex issues are handled efficiently by practice chair Frank Bonaventure, a former federal and state regulator.

The Group's consumer credit experience includes the preparation and review of loan and lease shelf paper documentation, preparation and review of account agreements, electronic funds transfer, and advising clients with regard to compliance with applicable state and federal disclosure laws and state usury issues. On the transactional side, the firm offers a full range of regulatory and transactional services representing acquirers and sellers in financial institution mergers, purchase and assumption transactions, holding company acquisitions, and changes in control. The Financial Institutions Group often teams with Ober|Kaler attorneys in other practice areas including Creditors Rights, Employment, and Benefits.

Overton & Associates provides real estate analysis, design and construction services that help banks grow their business and improve their ability to serve their customers. Since 1976, we’ve become one of the mid-Atlantic’s most respected facility solutions firms specializing in financial institutions. From the design and construction of new buildings to the transformation and renovation of existing facilities, we create environments that enhance the customer’s experience, inspire confidence in the marketplace and increase employee morale. Overton & Associates goal is to meet our client’s expectations and make the design/build process seamless and cost effective.

Our core services include:

• Feasibility Studies, Site Selection and Consulting Services
• Architecture and Design Services 
• Construction and Construction Management Services
• Custom Millwork 
• Brand Development and Merchandising

Rowles & Company, LLP has been proudly serving the community financial institution industry in Maryland for more than 80 years. Our team of professionals is based in Maryland. We take pride in the personal, responsive attention we provide to each of our clients. Each of our partners has been serving the financial institution industry for over 20 years, all as a member of the Rowles & Company team.

We provide independent financial statement audit, as well as internal audit outsourcing services, to over 30 community bank and thrift clients in the region. We have professionals on staff that are certified to provide ACH Compliance Exams, PIN Compliance Exams, as well as a variety of other compliance consulting and attestation services. We are registered with the Public Company Accounting Oversight Board. Has your CPA firm grown too big for your organization or merged with an out of town organization? Please give us a call to find out how Rowles & Company can be a valuable partner with your organization.

Smith Elliott Kearns & Company, LLC”s clients are independent community financial institutions committed to serving their local communities in MD, PA, VA and WV. We have been serving the audit, tax, and consulting needs of independent financial institutions since 1963. Today, we employ 150 professionals in 4 offices located in Hagerstown, MD; Chambersburg, Carlisle, and Hanover, PA, managed by the local leadership of 21 Members.

Through a unique set of resources including direct Member involvement, continuous communication, continuity of staff and industry-focused resources, SEK&Co partners with clients in achieving their financial goals. In addition to traditional audit and tax services, we assist our clients in implementing procedures to comply with the many complex regulatory guidelines that apply to the financial institutions industry. SEK&Co is a member of the Center for Audit Quality of the AICPA as is registered with the PCAOB.

Stifel, Nicolaus & Company, Incorporated, Member SIPC & NYSE is a full service investment banking and brokerage firm which provides investment banking, trading, investment advisory, securities brokerage, and related financial services to businesses, professional money managers, individual investors, and municipalities. Following the acquisition of Ryan Beck in 2007, Stifel has continued to expand its platform. With the recent acquisitions of Butler Wick and 56 branch offices of UBS, Stifel boasts approximately 1,900 financial advisors in approximately 295 offices nationwide.

Stifel Nicolaus' Financial Institutions Group (FIG) provides investment banking services to banks, thrifts, mutual companies, and other financial services companies; including: finance real estate investment trusts (REITs), business development companies (BDCs), and insurance companies. Stifel Nicolaus' Financial Institutions Investment Banking professionals have extensive experience in: public underwritings of common stock, preferred stock, and debt securities; private financings; initiating, structuring and negotiating mergers and acquisitions, and mutual conversions. The FIG group also engages in other financial advisory services; including: tender offers, valuations, and shareholder reduction transactions.

United Computer an IT, security and compliance services provider engineered to mitigate security and compliance risk, reduce IT expenditures, and improve operating efficiencies to community financial institutions.

Yount, Hyde & Barbour, P.C. is an established firm of certified public accountants and consultants serving clients in the Mid-Atlantic Region since 1947. Our 160 employees provide services ranging from individual tax return preparation to assistance with Securities and Exchange Commission registration statements, including services to over 60 financial institutions.

Our client base ranges from start-up banks to multi-bank, regional holding companies. We have been actively involved in stock offerings, SEC registration statements, and mergers and acquisitions. We have close working relationships with many of the major regional law firms and investment bankers that work with community banks. We also have strong relationships with regulators at the SEC, FRB, FDIC, OCC, and OTS. Also, we are registered with the Public Company Accounting Oversight Board (PCAOB) and have been examined twice by the PCAOB. Each time we received an unqualified report with no public findings.