Banker Program
Your Path to Independent Banking1
Build your own successful banking business with superior technology and expanded capital access — without the headaches of running a full-scale bank.
The Vision
The Birth of the Independent Banker
For over 100 years, banking has operated on a simple but one-sided arrangement: the banker brings the relationships, the expertise, and the trust, and the bank keeps the economics.
Brook changes that equation.
Think of what Schwab, Fidelity, LPL, etc. did for independent financial advisors. They made the individual advisors the owners. Brook does the same for bankers.
We built the infrastructure - the banking tools, licenses, compliance, the technology platform - so experienced bankers like you can launch their own branded financial institution without the capital burden or regulatory overhead of doing it alone.
You keep your niche. You keep your clients. You keep your reputation. We handle the plumbing, and when your institution grows, the vast majority of the economics come back to you. Not to a bank.
The future of banking isn't consolidation. It's distribution. And the bankers who move first will define what independent banking looks like for the next generation.
For Your Clients
A Superior Banking Experience
Offer your clients cutting-edge technology and expanded capital access that traditional banks can't match.
Rapid Onboarding
Clients onboard in less than 10 minutes with a seamless digital experience.
Online ACH, Wire & Bill Pay
Full online banking with ACH, wire transfers, and bill pay capabilities.
$3M FDIC Insurance
Expanded coverage of $3 million in FDIC insurance through our partner bank.
Virtual & Physical Debit Cards
Unlimited cards with customizable spending limits for every team member.
For Bankers
Everything You Need to Succeed
We've built the infrastructure so you can focus on what you do best — building relationships and growing your business.
Full Banking Platform
Brook handles compliance, bank relationships, FDIC insurance, and the entire banking backend.
Optional Dedicated Business Managers
If needed, Brook can provide business managers who can help with your back-office operations, including setting up your LLC, and handling accounting, taxes and payroll.
Financial Model
How You Earn
Multiple revenue streams designed for substantial, sustainable income.
Deposit Revenue
Brook earns revenue from interest payments on deposits from our partner banks, as well as interchange on debit card spend. You keep up to 80% of all deposit and interchange revenue.
Lending Revenue
Earn a revenue share on loan income generated by your clients through the debt fund, estimated 50–75 basis points.
Referral Fees
Referral fees from affiliated services (e.g., mortgages) flow through to you. You keep up to 80%.
Transition Funding
Brook supplements your transition with up to 12 months of living-expense funding while you build your book. After up to 12 months, you move to the 80/20 model.
Expenses
Technology Fee: $500/month — outside of the 20% revenue share.
Operating Expenses: Minimal expected. It's your company — hire salespeople, get an office, or keep it lean. Our business managers can help you estimate costs.
Income Estimator
Estimate Your Earnings*
Enter your expected deposits and loan originations. All estimates are annual.
Deposits
Debit Card Spend
1.00% → you keep 80%Do you expect your clients to be heavy, medium or light users of their debit cards?
Loans
Estimated Annual Income
Additional revenue streams not included: credit card interchange (Q4 2026), mortgage referrals, and other referral income.
* Estimated income figures are illustrative only and are based on the inputs provided. Actual results will vary depending on client deposit balances, debit card usage, loan volumes, prevailing interest rates, and other factors. Revenue share rates and product terms are subject to change. This tool does not constitute a guarantee, promise, or projection of future earnings. Brook makes no representation that any Branch Owner will achieve the results shown.
FAQs
Frequently Asked Questions
A new model deserves real questions. Below are the ones we hear most often from bankers exploring whether to launch their own banking business with Brook. If yours isn't here, please feel free to reach out.
The Model & Your Income
Lending
Deposits & Day-to-Day Banking
Technology & Support
Marketing, Brand & Clients
Running Your Business
Compliance & Regulatory
Getting Started
Ready to Redefine
Community Banking?
Join Brook's Banker program and build an independent banking business backed by cutting-edge technology and a proven financial model.
Brook Banker Program Guide · March 2026