Over the past year investors, advisers and arrangers have been clamouring to do business with US regional banks, especially as significant or credit risk transfer (CRT) expectations from larger US banks have fallen. 

EJF Capital has taken part in four CRTs over the past three years with banks under or nearly under $50bn in assets. CRTs are one of the many ways EJF works with regional banks. 

The relationships EJF forged through its other investment routes with US regional and community banks have forged the way for unique and pioneering transactions with those banks.