Built for Community Banks

The ICEBERG Philosophy: We Help You See What Others Won't

We Sell Your value, You Keep the Profit

45 Days to Value
Savings in 45 days. Not 45 months. Our fixed-fee model delivers tangible cost reductions fast—so your bank starts saving sooner.
120 Hours Saved
Your time is money. Stop wasting both. We streamline Core, Debit, and Digital negotiations, saving banks 120+ hours per deal.
416 Contracts
416 contracts. Zero wasted dollars. We’ve negotiated for community banks and Fortune 200 companies—leveraging every advantage to secure savings others miss.
$100.3M Savings
Since day one, ICEBERG FS has quietly returned over $100.3 million to community banks—dollars previously lost to bloated contracts, unchecked vendor margins, and misaligned terms. It’s not headline-grabbing—it’s just deliberate, strategic work that keeps money where it belongs: in your pocket, working for your bank.

We uncover your leverage, delivering significant savings and total contractual control.

Strategy: Thinking Backward (4-3-2-1)

We begin with the End in Mind so the bank can move forward. As your counter-sales agency, we don't rely on a rigid SOP; we use Effective Intelligence to pull the leverage out of your bank's unique experience.

(4) The End in Mind

Whether you're staying independent, preparing for a sale, or exiting—this is our purposeful anchor.

(3) Identify Leverage

We use bi-weekly Huddles to analyze your vendor history and refine the tactical move.

(2) Tailored Outcomes

30–40 tactical Target Terms that define a real-world win for your specific bank.

(1) Layers of Resistance

We map the vendor's internal hierarchy to navigate their organization.

Execution: Moving Forward (1-2-3-4)

Our process is sequential to maintain discipline. As your counter-sales agency, we deploy dynamic thinking to achieve your End in Mind.

(1) The Power of No

We help you act as the Judge. Every vendor is disqualified until they prove they've earned a seat in your stack.

(2) Roadmap Alignment

Using the Observation Deck, we expose the truth behind the sales pitch to see if they fit your future.

(3) The Economic Stress Test

We measure vendors against your specific requirements for pricing and M&A flexibility.

(4) The Resistance Guantlet

The vendor must survive our layers of resistance to earn your business.

aaron k

Aaron Kness

President & CEO, Iowa State Bank

"Unlike competing models driven by percentage-of-savings... ICEBERG acts as a true advocate."

rigler

John Rigler II

Chairman, Peoples Bank

"ICEBERG's process is the best... This guy is different."

steve

Stephen Clements

President & CEO, Citizens First Bank

"ICEBERG has truly become an extension of our bank."

scott

Scott Setlock

COO, Mercantile Bank

"ICEBERG has been an outstanding partner... helping us identify leverage, challenge assumptions, and navigate high‑stakes decisions with clarity and confidence."

Our ultimate metric is the growth of your internal intelligence. You seek knowledge from the experience; you keep the profit forever.