More Than Capital
Our Value-Add Approach
How We Support Our Partners
We seek to enhance value creation by leveraging our decades of community banking leadership, deep sector expertise, and a network of relationships that span management teams, regulators, and industry partners.
- Guidance on balance sheet optimization and capital planning
- Recruiting and aligning senior leadership teams
- Strategic planning, market entry, and growth initiatives
- Leveraging regulatory and industry insights
- Facilitating introductions to clients, partners, and investors
- Identifying and executing M&A opportunities
- Enhancing operational discipline and governance practices
Experience & Networks
With two former community bank CEOs on our founding team, we bring practical, real-world insight to help our portfolio institutions grow stronger and build enduring franchises.
Partnership Beyond Capital
We believe that lasting success can be created when investment and strategic support combine. Our partnerships with community bank leaders are intended to be collaborative and adaptable, changing to seek to meet the needs of each institution as it grows and evolves. Beyond providing capital, we can help management teams by opening doors to potential new relationships, advising on product and market development, supporting senior talent recruitment, and assisting with growth and liquidity opportunities, including through M&A.
Investment Approach
At Epta Capital, we focus on identifying, investing in, and supporting institutions that we believe can achieve growth and success for their stakeholders. Our role is active, not passive; we seek management teams who are open to engagement and guidance in getting to their next level. We look for opportunities to deploy our capital, experience, and networks across both balance sheet and operational domains in support of generating positive outcomes for all stakeholders.
01
Industry Focus
We focus exclusively on community banks, generally with between $500 million and $10 billion in assets. We look for institutions with strong positions in their local markets, that create enduring relationships with both depositors and borrowers. Our team’s experience, including both community bank CEOs and professionals across the finance industry, contributes to our ability to identify opportunities that we think show potential, and to support value creation during our investment period.
02
Lifecycle Flexibility
We partner with management teams at various stages of growth – from banks seeking expansion capital to those preparing for generational transition – and provide resources and expertise appropriate to their point in the community bank lifecycle that can support their needs.
03
Investment Size
We generally target equity investments of $1 million to $10 million per institution, with the flexibility to pursue smaller strategic positions or larger investments alongside our network of co-investors.
04
Ownership Positions
We typically structure minority equity investments to try to align our interests with those of management and other stakeholders. Our goal is to be a supportive partner while respecting the interests of all parties.
05
Investment Period
Our capital is structured with flexibility to support both near-term initiatives and long-term growth objectives. We take a patient approach to investing, with horizons that adapt to the strategic priorities of each portfolio company.
.
