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Minority Depository Institutions Program

Investing in the Future of Mission-Driven Banks
A Guide to Facilitating New Partnerships

Printable version: Investing in the Future of Mission-Driven Banks - PDF

Cover Art for Investing in the Future of Mission-Driven Banks: A Guide to Facilitating New Partnerships FDIC-insured mission-driven banks, which are MDIs and CDFI banks, have a substantial impact on the communities they serve. However, many MDIs and CDFI banks are small, and building capacity and scale are critical to growing their operations and expanding services to their communities.

The median MDI and CDFI bank is generally small in terms of total assets. Employees in smaller institutions often wear many hats, and the institutions find it difficult to build back-office operations to scale and attain efficiencies. MDIs, particularly smaller MDIs, have significantly higher cost structures than larger institutions and non-MDI community banks. MDIs and CDFI banks that serve financially challenged populations are often the first to experience the effects of economic downturns and among the last to recover.

The FDIC recognizes that MDIs play a unique role in promoting economic viability in minority and low- and moderate-income communities. Preserving, promoting, and building capacity in these institutions are high priorities for the FDIC. Because of this, the FDIC created “Investing in the Future of Mission-Driven Banks” as a way for private companies, philanthropic organizations, and others to learn more about the vital role of these financial institutions, and to provide suggestions about supporting MDIs and CDFI banks across the country through investments or partnership opportunities.


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