Acquisition History Leverage the long history of mergers and integration activity involving Capital Bank Financial Corp and its acquisitions to position TIB Bank’s products as proven, scalable solutions aligned with mid-market growth and consolidation workflows.

Mid-Market Focus Target regional mid-market clients in Florida with capital efficiency, cash management, and commercial lending packages that align with a bank of similar asset scale and employee base, highlighting local market expertise.

Tech Footprint Position digital and compliance capabilities tied to the tech stack (Drupal, PHP, Microsoft tools, Google Analytics) to offer modern, secure, web-enabled banking experiences and data-driven marketing analytics for business clients.

Revenue Levers With revenue in the tens of millions, pursue cross-sell opportunities across treasury services, mortgage solutions, and advisory services to expand wallet share within existing customer bases and affiliated entities.

Regulatory & Fiduciary Emphasize FDIC membership and Equal Housing Lender status as risk mitigants when selling to regulated businesses and individuals seeking compliant, trustworthy financial partners in local markets.