ARC Case Study 4

$10B+ Midwest Community Bank

Going from $15MM to $100MM+ in hedged loan production

Community banks know borrowers want long-term fixed-rate financing. The hard part is delivering it in a way lenders will actually use.

That was the challenge for this $10B+ Midwestern bank. Its traditional swap program worked on paper, but created too much friction in practice — complex borrower conversations, limited lender adoption, and only about $15 million in hedged loan production.