We sell your value. You keep the profit.
At ICEBERG FS, we help community banks take control of their contracts and vendor relationships—turning their value into real leverage that strengthens the communities they serve.
Through our fixed‑fee, composable service model, we deliver expert advisory, contract evaluations, and vendor management that help your bank negotiate with clarity, confidence, and efficiency.
We serve community banks exclusively—no credit unions, no distractions.
Personalized Services That Fit Your Needs
The ICEBERG Difference — Counter‑Sales: The Strategy That Turns Your Bank’s Value Into Leverage
counter‑sales
*\ ˈkau̇n-tər-ˌsālz *
noun
1. A strategic discipline in which a bank positions its business as the opportunity to be won—using observation, imagination, and unique leverage to guide vendors toward fair, competitive, and mutually successful outcomes.
2. A vendor‑agnostic consulting approach that reframes negotiations by highlighting the bank’s economic value, ensuring vendors understand, pursue, and appropriately price the opportunity before them.
3. The practice of applying sales principles on behalf of the bank—positioning the bank as the seller, transforming its accounts payable into market leverage, elevating it from prospect to prize, and securing clear terms that reflect the true value of its business.
Examples of Use
- Through counter‑sales, ICEBERG FS helps banks present their book of business as the prize vendors must compete for.
- Their counter‑sales method transforms accounts payable into leverage, ensuring pricing reflects the bank’s economic value.
- Counter‑sales breaks the guarded habits shaped by years of broken promises, enabling transparency, full access, and firm‑but‑fair results.
- Counter‑sales reframes the conversation: they have a sales strategy—now the bank does too.
- With counter‑sales, the bank sells its value and keeps the profit.
Proof it Works
Banks that adopt counter‑sales consistently secure better pricing, terms & conditions, stronger vendor engagement, and clearer, more confident negotiations. By positioning their business as the opportunity to be earned, they turn routine renewals into competitive wins and convert accounts payable into real leverage. The results speak for themselves.
Below are testimonials from banks that have used the counter‑sales approach.
What Our Clients Say
"Introduced to ICEBERG through the Iowa Bankers Association, we found ICEBERG’s directness and the firm’s core philosophy—identifying what lies 'beneath the surface'—to be exactly what we needed. Unlike competing models driven by percentage-of-savings—which often create misaligned motivations—ICEBERG acts as a true advocate focused solely on our bottom line. We opted for their independent advisory model, allowing us to lead our own negotiations. This approach proved exceptionally profitable while ensuring we maintained positive, long-term relationships with our vendor-partners. The results have been outstanding, significantly exceeding our initial expectations."
-Aaron Kness, President & CEO, Iowa State Bank
"ICEBERG helped Citizens First Bank cut through the complexity of multiple contract negotiations and move decisively. Their actional guidance gave us confidence at every step. Without hesitation, I highly recommend ICEBERG to any bank looking for a trusted partner who is results-driven, delivers clarity, clear guidance, and measurable results."
-R. Heather Farwell, SVP Financial Services & Board Secretary, Citizens First Bank
"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
"ICEBERG combines the institutional knowledge of large firms with
personalized services."
-Jill Breitrick, Operations, Premier Community Bank
"Call Todd. He saved us a mint!"
-Kevin Pernick, President & CEO, Bank Plus
Community Banks Deserve Better Deals. Let’s Talk.
We help community banks cut costs, negotiate smarter, and take control of vendor relationships—because every wasted dollar is a missed opportunity to invest back into your community.
Got questions or ready to optimize? Let’s connect and make your contracts work for you.