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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.
For over 125 years, Farmers & Merchants State Bank has proudly operated as an independent community bank, serving the residents of Waterloo, Marshall, and the recently added Lake Mills, WI. In addition to our in-house financial services, we offer a complete range of full-service, mortgage, and internet banking options. Since our establishment in 1897, we have played a vital role in our communities and remain dedicated to their prosperity. Our team is always ready to offer guidance and support, as we consider ourselves your lifelong financial partner. Our objective is to deliver comprehensive financial services and be your trusted partner for life.
Headquartered in Los Angeles, California, Manufacturers Bank is a wholly owned subsidiary of SMBC Americas Holding, Inc., a member of SMBC Group. For over 60 years, the Commercial Bank division of Manufacturers Bank has been serving middle-market and corporate businesses by providing sophisticated solutions and expertise with the personal touch of a community bank. The Commercial Bank division serves the specialized needs of middle-market and corporate businesses, franchise finance including quick service restaurants, manufacturers, wholesalers, distributors, importers, exporters, and service companies. We offer a comprehensive suite of credit, deposit and treasury management solutions including foreign exchange and trade finance. The Commercial Bank has offices in Los Angeles, Beverly Hills, Brea, Encino, Glendale, Newport Beach, San Jose, and Torrance. Member FDIC