Insured Deposit & Securities-Based Lending Solutions Rooted in Experience

Who We Help Our Products

Empowering Banks and Wealth Managers to Gain Efficiency and Drive Growth

About TBS
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Tailored FDIC-Insured Cash Sweep & Securities-Based Lending Solutions

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Deep Market and Regulatory Expertise

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Unmatched Service Excellence

Who We Help

Get the most out of both sides of your balance sheet.

Our Insured Deposit Program enables banks to access stable, cost effective deposit funding. Get connected to affiliated wealth management divisions and deploy a strategy to fund securities-based lines of credit.

Solutions for Depository Institutions
Depository Institutions

Provide your clients with extended FDIC insurance through our insured deposit program.

Take advantage of our securities-based lending expertise to further strengthen your client relationships by providing cost-effective loans using an easy and streamlined process.

Solutions for Wealth Managers
Wealth Managers

What We Do

FDIC Insured Deposit Program

Connecting investors who need same day liquidity and extended FDIC insurance with banks looking to diversify their funding sources at competitive rates.

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Securities-Based Lending System

Connecting banks interested in growing their loan portfolios with customers of affiliated wealth management divisions seeking to leverage the lending power of their investments.

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SPECIAL FEATURE: AMERICAN BANKERS ASSOCIATION PODCAST

Securities-Based Lending for Banks: Balance Sheet Shock Absorber, Untapped Growth

In this ABA podcast episode Total Bank Solutions’ securities-based lending (SBL) expert Mike Musial and ABA vice president Phoebe Papageorgiou discuss the value of SBL as a loan asset class for banks and how technology is transforming SBL into a highly scalable vehicle for increasing bank client wallet share and winning new business.

Listen Now
 
"TBS has enabled us to transform our SBL business into a critical part of our growth strategy. Securities-based lending has long been an essential offering for wealth managers. The TBS platform removes the traditional overhead associated with manual processing and allows us to profitably scale while providing a class-leading solution for our clients. In addition to leveraging the LMS solution, we have used TBS’s decades of expertise in the industry to enhance our funding strategy."
H. Russell Holland III
President and Chief Executive Officer
Fieldpoint’s Banking Unit
"Having worked with an Insured Deposit Product powered by TBS at a prior company, I knew that it would bring great value to our customers at Darwin Trust. At Darwin, our core focus has always been squarely on bringing both unparalleled service and honest guidance to our clients – and the TBS offering helps us deliver that through a superior cash product."
Melissa A. Sommer, CPA, CFA
President & CEO
Darwin Trust Company
"As our trust business has grown, so has the diversity of our client base and their investment needs. By partnering with TBS we have the flexibility to design customized solutions to meet the unique cash sweep needs of our family office, trust, custody and corporate trust clients via a higher yielding, extended FDIC-insured vehicle. We also value TBS’s ability to seamlessly incorporate a direct bank relationship into the Program as one of the deposit-taking banks."
Vice Chairman
Florida-Based Trust Company
"An Insured Deposit Program was a "no-brainer" for us. In the current interest rate environment, it allowed us to exponentially increase our clients' yield on cash, giving them an FDIC insured sweep vehicle, and equip us to compete with RIAs and brokerage firms who are offering insured deposit sweep options. We are glad that we chose to partner with TBS."
President & CEO
Kentucky-Based Trust Company
"Total Bank Solutions has enabled our Trust Department to enhance the value we deliver to our clients. Our new Insured Deposit Program, powered by TBS, complements our money market fund, adding both enhanced yield and the safety of extended FDIC insurance. The implementation with our trust accounting system was quick and the integration was seamless. Best of all, the Insured Deposit Program offers us the flexibility to be used across all accounts or with select portfolios based on a client’s unique investment needs."
SVP, Director of Trust and Asset Management
New Jersey-Based Bank/Trust Company
"The Total Bank Solutions (TBS) Insured Deposit Program was easy to implement and provides a greater value over traditional cash products for First State Trust Company (FSTC) clients. With extended FDIC Insurance and higher yields, it has allowed FSTC to differentiate ourselves in the trust marketplace and aid us in our asset growth. FSTC is proud to have partnered with TBS."
J. Bradford Lidstone, Jr.
Senior Vice President, Head of Operations
First State Trust Company
"Citizens Bank first partnered with TBS in 2010 and we have maintained an excellent working relationship since. The sweep deposit program through TBS has provided a stable source of funding, with flexibility around target balances to address our evolving funding needs over the years. Additionally, TBS proactively offers expertise on various topics, including industry trends and interpretation of changes in regulatory guidance."
Dwight M. Davidsen
Senior Vice President, Wholesale Funding & Liquidity
Citizens Financial Group
"At Hilltop Securities, Inc. we provide tailored flexibility and service to our clients. That’s why we selected Total Bank Solutions as our partner to offer our clients the benefits of a FDIC insured deposit sweep program. Their approach is highly flexible, their technology is very configurable, their commitment to service is excellent, and their insured deposit program solution is one of the best in the industry. Plus, their team brings a broad depth of knowledge along with their TBS Bank Monitor® risk analytics tool."
Hilltop Securities Inc.
 

Why Total Bank Solutions?

Everything We Do Is Deeply Rooted In Industry Expertise

With deep industry expertise and a focus on the customer, Total Bank Solutions provides FDIC-insured cash sweep and securities-based lending solutions to empower banks, wealth managers and trust advisors to deliver differentiating value to clients, create efficiencies and drive revenue growth. Our solutions are highly flexible and backed by service excellence.

Flexible Approach

Our solutions are highly configurable and designed to support a wide range of business objectives.

Exceptional Service

We’re committed to a dedicated, personalized  client service and support so that your solutions run smoothly.

Compliant Solutions

Each of our solutions is designed with enterprise-wide compliance and risk management in mind and with audit documentation and reporting readily accessible.

Bridge Between Financial Services Sectors

We are a technology firm that facilitates the interaction between banks and wealth managers.

Discover New Opportunities

Our solutions not only solve business challenges — they help to improve the client experience and uncover new revenue sources.

Total Bank Solutions clearly had the strongest technology platform that we could find to allow us to extend our trust accounting platform to account for the FDIC sweep insured cash deposits that are held on our program.
Scott Parry, Executive Vice President
FIS Wealth & Retirement



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