A banker’s bank is a US bank that provides financial services to community banks. Several community banks own the banker’s bank. This type of bank, however, provides services just to community banks rather than companies or individuals.
Thanks to bankers’ banks, community banks receive a wide range of services. Community banks receive the services that would only be available to the giant financial institutions.
The community banks can then offer these services to their customers. In other words, smaller banks can subsequently compete more effectively with the giant operators.
As of 2025, there are twelve bankers’ banks in the United States:
| Name | Deposits | Assets |
|---|---|---|
| TIB NATIONAL ASSOCIATION | 2,433,418 | 2,955,684 |
| BANKERS’ BANK | 926,448 | 1,470,771 |
| PACIFIC COAST BANKERS’ BANK | 534,841 | 1,251,957 |
| UNITED BANKERS’ BANK | 671,972 | 1,249,756 |
| FIRST NATIONAL BANKER’S BANK | 337,276 | 952,216 |
| ATLANTIC COMMUNITY BANKERS BANK | 557,260 | 896,422 |
| BANKERS’ BANK OF THE WEST | 291,975 | 431,504 |
| MIDWEST INDEPENDENT BANKERSBANK | 226,832 | 332,726 |
| THE BANKERS BANK | 232,660 | 275,876 |
| BANKERS’ BANK OF KANSAS | 125,176 | 216,552 |
| INDEPENDENT CORRESPONDENT BANKERS’ BANK, INC. | 67,795 | 143,926 |
| COMMUNITY BANKERS’ BANK | 110,433 | 143,170 |
Data source: iBanknet
TIB (The Independent Banker’s Bank) has become the largest in the US (in terms of deposits and assets) serving roughly 1,400 community banks across nearly all US states.
The central bank is the banker’s bank
The term may also refer to a country’s central bank. Commercial banks maintain a current account with the central bank. Commercial banks also have access to very short-term loans.
Examples of central banks are the Federal Reserve System in the US or the Bank of England in the UK. Central banks provide services to commercial banks in the same way our banks provide services to us.