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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.
During its 20-plus-year history, MVB Bank has grown from a community bank with 35 employees to a forward-thinking, NASDAQ-listed, Russell 2000® company with more than 400 Team Members living in more than 25 different states. Headquartered in Fairmont, West Virginia, MVB Bank and the Banks subsidiaries, the MVB Community Development Corp., Chartwell Compliance, Paladin and Trabian, provide financial services to individuals and corporate clients in the Mid-Atlantic region and beyond. MVB Financial Corp., the holding company of MVB Bank, is publicly traded on The Nasdaq Capital Market under the ticker "MVBF."
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Southern Bancorp is a certified Community Development Financial Institution (CDFI) and B-Corp based in Arkadelphia, Arkansas. Established in 1986, it aims to strengthen underserved communities through financial services and development programs. The organization has grown significantly, now managing assets between $2.6 and $2.8 billion and serving around 65,000 customers in Arkansas and Mississippi. Southern Bancorp operates through three main entities: Southern Bancorp Bank, which provides traditional banking services; Southern Bancorp Community Partners, a nonprofit focused on financial education and support; and Southern Bancorp Incorporated, a holding company for strategic growth. The organization offers a range of services, including checking and savings accounts, loans, financial literacy workshops, and grants for community projects. With 56 locations and a commitment to equitable access, Southern Bancorp emphasizes long-term community impact, particularly in economically distressed areas.