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Sovereign Bank is the largest tribally-owned bank in the United States, owned by the Citizen Potawatomi Nation. The bank focuses on community-driven banking, emphasizing relationships, trust, and financial empowerment for both Native and non-Native customers. It was rebranded in 2023 to honor its tribal heritage and continues to prioritize financial stability and self-sufficiency for families and businesses. With roots tracing back to the acquisition of First Oklahoma Bank in 1984, Sovereign Bank combines the capabilities of a large bank with a small-town, relationship-focused approach. The bank promotes personalized banking solutions tailored to individual needs and offers a Financial Learning Hub for education and empowerment. Sovereign Bank is dedicated to serving all communities and investing in people, fostering opportunity and stability for future generations.
Flynn Group is the largest franchise operator in the United States, focusing on multi-brand restaurant and retail operations. Founded in 1999 by Greg Flynn, the company has expanded significantly from its beginnings as a single-market Applebee’s operator. It now manages a diverse portfolio that includes well-known brands such as Pizza Hut, Taco Bell, Panera Bread, and Arby’s, with over 2,500 locations across the country. The company specializes in franchise management, acquiring and optimizing underperforming locations to enhance operational efficiency and drive sales growth. Flynn Groups acquisition strategy has led to substantial growth, including the recent addition of 45 Pizza Hut locations in 2025, bringing its total to over 1,000. With a people-first approach, Flynn Group emphasizes employee training and retention, ensuring consistent customer experiences across its various dining segments.
A New Risk Management Architecture - Emerald Bay is an updated solution to solve the problems created in a fractured/dislocated market. We are structured to ensure accountability throughout the life cycle of a risk, driven by integrity of underwriting. Collaborative, Tech Enabled Underwriting - Our technical underwriting and portfolio management is supported by cutting edge technology. We work in partnership with our MGA/PA and reinsurance capital partners to ensure long term sustainability. Partnership: A Full Alignment of Interests - Our approach requires that from producer to carrier to reinsurer all partners are invested in an aligned strategy. Our laser focus is on capital protection so we are there for our insured when they most need us.
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