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At Winthrop, we serve as outside general counsel to community banks, and have the resources to resolve any issue that a community bank would encounter, from bank-specific issues such as governance and regulatory issues, to more general business matters like mergers and acquisitions, employment or vendor agreements.

Our Approach

We recognize that a community bank, though unique in many ways, is at its core a business that is deeply embedded in the towns and with the people it serves, all of whom depend on its success. Our community banking attorneys work closely with your organization to get to know all of those intricacies and the aspects that make it unique. When developing solutions for your issues and plans for achieving your goals, we always work with that unique culture in mind.

Winthrop attorneys place a high value on our relationships, and there’s nothing we like better than making an introduction. Because of our decades of work in the industry, we have developed an extensive network including investment bankers, accountants, business consultants, executive leadership teams, as well as regulators, that can be beneficial to our clients.

Clients Include

  • Community banks
  • Bank holding companies


  • Mergers and acquisitions
  • Charters, capital formation, charter conversions and changes in control
  • Holding-company formation
  • Responses to and defense of regulatory agency enforcement actions
  • Strategies to respond to regulatory examination reports
  • Design and implementation of management and governance policies
  • Regulatory matters including privacy internet banking and financially troubled entities
  • Capital raising and securities issues
  • Vendor contract management
  • Electronic banking services and regulation
  • Consumer and regulatory compliance consultation and design