Login Identity Protection Build Credit Pricing Employers Support Schools Parents PTAs PTOs and Education Foundations  Superintendents, Business Officers, and School Boards Resources About Us Contact Us Education Center Press Releases In the News FAQ
Home > News > Who made ICBA’s 2021 list of Top Lenders?

Who made ICBA’s 2021 list of Top Lenders?

Table of Contents

Lending | July 01, 2021

Who made ICBA’s 2021 list of Top Lenders?

Last year, community bank loan producers were faced with both record-low interest rates and a glut of deposits. But as they always do, they came through for individuals and businesses in their communities with a combination of personalized service and prudent risk management practices. Here, we highlight some of last year’s most successful loan producers in the areas of agriculture, commercial and consumer/mortgage lending.


Using FDIC data for 2020, we calculated a lender score out of 100 for each community bank. The score combines the average of the bank’s percentile rank for lending concentration and for loan growth over the past year in each lending category. We then adjusted each score for loan charge offs in each category at certain percentile thresholds.


Austin Capital Bank finds success in unlikely places

Austin Capital Bank’s strength comes from the fact that it’s a nontraditional bank—and that its founder and CEO, Erik Beguin, is a nontraditional banker. Beguin likens himself to a brand manager and the community bank to a fintech.

“When I go to banking conferences, I feel like the odd duck out,” says Beguin, whose background is in brand and product management, including a short stint branding antiperspirant at Procter & Gamble. “A lot of community banks are running the same business model, but I read the OCC [Office of the Comptroller of the Currency] list of permissible bank activities, and I figure out which ones no one else is doing and do those.”

Austin Capital Bank

Austin, Texas

Asset size: $262 million

Consumer lender score: 99.30

Rank in category: 1

… continued at: