Helping Community Banks Take Charge. Negotiate Smarter. Save More.
At ICEBERG FS, we help community banks take control of their contracts and vendor relationships—without wasted spend or complex negotiations.
Our fixed-fee, composable service model delivers expert advisory, contract evaluations, and vendor management so your bank can negotiate smarter, spend less, and refocus on what matters—your community.
We serve community banks exclusively—no credit unions, no distractions.
Personalized Services That Fit Your Needs
The ICEBERG Difference
Community banks juggle hundreds of contracts—each hiding risks and excess costs. How many are quietly draining your bottom line?
ICEBERG FS streamlines buying, eliminates waste, and negotiates smarter—so you can focus on banking, not vendor headaches.
Built for community banks. No credit unions. No divided priorities. Fully aligned with YOUR success.
How ICEBERG FS Helps
Located in Rockford, MI, we deliver personalized, fixed-fee services—no percentage fees, no surprises.
We take the time to understand your balance sheet, your customers, your strategy, your goals—then we help you optimize every contract in your desk.
What Our Clients 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
"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 wasted spend is wasted opportunity.
Got questions? Ready to optimize? Let’s connect and make your contracts work for you.