15 Minutes with ... Christopher and Jef McGill

Independent Banker, April 2011 | Go to article overview

15 Minutes with ... Christopher and Jef McGill


CEO and chairman, respectively, of the $219 million - asset East River Bank, Philadelphia

IB: What's it like to run a bank with your brother?

Christopher: We complement each other. Jef was CEO and chair of a public company-our previous bank-so it's good to have him as a resource.

Jef: Christopher is great at developing new business, which is crucial. I'm the noodge-I take the shareholder perspective, so I'm concerned with risk in the loan portfolio.

IB: You're third-generation bankers, but this is a de novo. Explain.

Jef: Our grandfather aggregated several building and loans in the early 1930s to get the new deposit insurance. Our father ran what became Roxborough Manayunk Bank; our uncle was the attorney and a board member. We sold to Citizens Bank in 2004.

Christopher: I went to Citizens; Jef didn't. I'd never worked at a large organization. It was a great experience but not my style of banking. We knew some customers weren't being served. So we raised capital and formed a new bank five years ago and have been profitable for the past two. …

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