Financial Institution ConsultingIndustry expertise and insights to help your financial institution thrive

Since 1944, Saltmarsh has been providing auditing, tax and consulting services to a wide range of financial institutions – making it the firm’s largest specialty practice and industry of focus. We currently serve over a hundred financial institutions ranging in size from small single location institutions to larger multi-billion-dollar institutions. 

The Financial Institution Advisory Group, led by Bill Massey, CPA, includes an experienced team of shareholders with a passion for serving financial institutions and expertise that has established them as thought-leaders in the industry. Many are asked to present at industry events and attend national conferences, including the Allinial Global Financial Institutions Forum and the FDIC CPA Roundtable.

Our greatest ambassadors, in addition to satisfied clients, are the consultants who serve our clients on a daily basis. We take care to attract and retain knowledgeable professionals, most of whom have practical experience working in the industry, and provide comprehensive training and access to resources to ensure they deliver quality and timely work each and every time. 

Our Commitment to the Industry

We have made a firm commitment to the industry and invested significant resources to build long-lasting relationships with our clients. We deeply value these relationships and respect the trust being placed in us.

We look forward to every opportunity to help our clients address the emerging trends and competitive, economic and regulatory issues facing the industry and provide ongoing opportunities for training, interaction and engagement.  Please visit our Seminars by Saltmarsh page for information regarding upcoming meetings and training opportunities.

Accounting Services 

  • Audits
  • Directors' Examinations
  • De Novo Services
  • Employee Benefit Plan Audits
  • Pro Formas and Projections
  • General Ledger Assistance
  • Assistance with GAAP Accounting Issues and FASB Compliance
  • Regulatory Reporting Assistance
  • Fixed Asset Accounting

Tax Services

  • Tax Return Preparation
  • Planning and Quarterly Estimating
  • Representation before the IRS
  • Tax Structure- S Corporation Elections
  • Representation Before State Departments of Revenue and Other Governmental Agencies

Consulting Services

  • Internal Audit Outsourcing
  • Compliance Reviews (Deposit and Loan)
  • Independent Loan and Credit Quality Reviews
  • ACH Reviews
  • Allowance (ALLL) Methodology Reviews
  • Anti-Money Laundering (AML) System Data Validation
  • Asset/Liability Management (ALM) Reviews
  • Branch Applications
  • BSA Annual Reviews
  • Call Report Reviews
  • De Novo Bank Services
  • Fair Lending Reviews
  • FDICIA Compliance
  • Governance Reviews
  • Holding Company Assistance
  • Home Mortgage Disclosure Act Annual Reviews
  • Insider Transactions Reviews
  • Internal Control Review and Assessment
  • Investment Securities Reviews
  • Liquidity Reviews
  • Merger and Acquisition Assistance
  • Non-Deposit Investment Products (NDIP) Reviews
  • Policy and Procedures Assistance
  • Regulatory Assistance
  • Risk Management Assistance
  • Secondary Market Mortgage Lending Reviews
  • Seminars and Board Training
  • Strategic Planning
  • Valuation Services

Technology Services

  • Information Systems Reviews (FFIEC, and GLBA and Penetration Test)
  • Review of Information Security and Systems Risk Assessments
  • Social Engineering and Penetration Testing
  • Vulnerability Assessments
  • Internet Solutions
  • Network Services
  • Contingency Planning
  • Business Continuity Planning

Learn more about the Bank Advisors at Saltmarsh


Learn more about the Credit Union Advisors at Saltmarsh


Saltmarsh CPA - Who We Are

Who We Are

Our professionals have the depth of experience, industry knowledge and worldwide resources to help you reach your goals. We put your success above all else as your trusted advisor.

Saltmarsh CPA - What We Do

What We Do

Saltmarsh offers a full range of professional services to accommodate your needs – from tax planning and accounting services to information technology and employee benefits consulting.

Saltmarsh CPA - Who We Serve

Who We Serve

Saltmarsh serves individuals and businesses. Personal attention, access to the right professionals and rapid response is how we serve.

Contact Us

(850) 243-6713

(407) 203-8990

(615) 661-0885

(850) 435-8300

(813) 287-1111
(800) 477-7458

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