For over a decade, our consultant team of six experienced consultants has been delivering cost-effective risk management results for community banks. We have been partnering with community banks in Kentucky, Indiana, Ohio, and Tennessee since 1994, and we are confident about our proven performance for numerous banks in the region. Our firm has 150 years of experience to draw from when fulfilling your various consulting needs.
When you partner with PBC for your consulting needs, you’ll uncover early and accurate identification and improved risk management processes. With us being an independent firm, you eliminate the high fees that come from other consulting and accounting firms but still receive the benefits of experience and expertise.
Our senior personnel actually do the work, in contrast with most other firms that usually send out junior, sometimes inexperienced, personnel to perform the majority of services. Results count, so it’s integral to assign the job to someone with the necessary experience. Working with PBC is the most cost-effective way for community banks in Kentucky, Indiana, Ohio, and Tennessee to satisfy regulatory requirements. Giving them the peace of mind to know they are operating in a safe & sound manner.
When it comes to performance and expertise, our team is second to none. With us, you get the service and skills of our senior executives, who can be at your Bank and on the job for you. You’ll get a personalized approach from start to finish at an affordable price. Personalized service is our trademark, and satisfied clients are our best advertisement.
The PBC Team
Bob and Ray have a combined experience of more than 65 years. This expertise comprises substantial regulatory and management consulting, an extensive banking and small business background including but not limited to, auditing, lending, and branch/operations management. Their credit analysis, management consulting, and regulatory relations background include working with smaller community banks to large holding companies. They have been essential in helping nine banks out of regulatory enforcement action.
Our Compliance Team possesses superior banking backgrounds, which include a combined 70 years of experience in various roles, such as Compliance Officer, Chief Risk Officer, BSA Officer, Internal Auditor, and Human Resource Officer. Our team has helped ten different banks out of regulatory enforcement action.
On the IT side, Kevan is a well-rounded IT Professional. He is a Certified Information Security Auditor, Manager, Ethical Hacker, and Fraud Examiner. He has almost 20 years of hands-on experience working in Banking, Healthcare, and Insurance. He specializes in Auditing, Ethical Hacking & Cyber Security and bears the gift of clearly explaining arising issues to anyone, no matter your IT knowledge.
What are they saying?
"Bob and his group of consultants have exceeded our expectations in every area. They have helped our Board and staff navigate the regulatory environment, and have done so in a way that has always been friendly and approachable. They have become our most trusted regulatory and auditing resource and seem always ready to go "the extra mile" when needed."Larry MillerAudit Chairman | Bank of Jamestown
"I can always count on the PBC staff to deliver straight forward answers and intelligent, practical solutions. You provide a welcoming environment that puts our employees at ease, knowing that you focus on the betterment of our company."Mr. Neil BryanPresident & CEO | Farmers Bank of Milton
“We have been a client of PBC for over a decade, and we’ve been very satisfied with how easy it is to work with their team, and the proactive approach they provide to Senior Management and Audit Committee.”Eric RalstonCEO | PBK Bank
“PBC has been able to keep us informed about regulatory hot buttons and focal points because they serve so many varying financial institutions in different states. We are able to focus our risk management resources in an effective way to prepare for regulatory examinations.”Chad HoffmanPresident and CEO | Richwood Bank
“Bob, Ray, and Sheila have been instrumental in helping us with loan review, internal audit, IT audit & pen testing, and compliance auditing. Their expertise and responsiveness have been integral in helping us stay abreast of regulations and effectively manage our budgeted resources for risk management.”Greg InmanPresident and CEO | Scottsburg Building and Loan Association
“Mr. Downs has been helping us navigate the regulatory landscape since the 1990’s. His expertise in all facets of banking has been integral in helping us stay competitive, regulatory-compliant, and independent. His team’s approach to helping us find solutions to any challenges and the responsiveness that has been their trademark makes a huge difference for us.”Randy HuffstetlerPresident and CEO | Greenfield Banking Company
“We have been a client of PBC for almost a decade, and we’ve been very satisfied with how easy it is to work with their team, and the proactive approach they provide to Senior Management and Audit Committee.”Mr. Greg GoffCEO & Chairman | First National Bank of Kentucky