Community banks have leverage. Most don’t use it.

Vendors love passive banks—the ones that accept whatever pricing and terms they’re given. That’s why we exist.

ICEBERG FS works exclusively with community banks. We help them negotiate smarter, eliminate inefficiencies, and secure the best terms and pricing—without percentage fees, hidden costs, or wasted time.

How We Help
We don’t “consult.” We get results—by being firm yet fair.
We believe in strong, strategic negotiations, built on respect and clarity—no shouting matches, just measured, decisive advocacy.

• Advisory Services – Cut through the noise. Know what matters.


• Product Evaluation – Choose vendors that serve your bank, not the other way around.


• Project Management – Streamline execution. No surprises.


• Contract Negotiations – Lock in terms that actually work for you.

What Bankers Say
“Iceberg’s process is the best process we have had and will realize the most savings over previous contract negotiations. This guy is different.”
-John Rigler, II, Chairman, Peoples Bank, Clive, IA

“Iceberg combines the institutional knowledge of large firms with personalized services.”
-Jill Breitrick, Operations, Premier Community Bank, Marion, WI

A No-Cost Offer

Want proof? We offer free contract assessments—on video, on demand. You see exactly how we find leverage banks are leaving on the table.

Get Started

Book a quick no-obligation call: https://freebusy.io/todd@icebergfs.com or call 269-217-3997.

ICEBERG FS. We help you see what others won’t.