Case Study: Four Oaks Bank achieves streamlined commercial loan processing and increased portfolio visibility with nCino

Four Oaks Bank - Customer Case Study

Four Oaks Bank, a community bank in Four Oaks, NC with roughly $815 million in assets and 14 branches, needed a better way to serve commercial customers. The bank relied on fragmented systems and paper-based processes that prevented staff from seeing complete customer relationships, hindered loan origination visibility, required duplicate data entry, and produced inconsistent approval workflows.

Four Oaks deployed nCino’s cloud-based Bank Operating System (built on Salesforce) to centralize loan origination, CRM, workflow and reporting. Configured to mirror the bank’s credit processes, it automated approvals and document handling, eliminated rekeying, and digitized appraisals. The outcome was a single platform for all loan stakeholders, faster processing, clearer portfolio visibility and forecasting, timely renewal reminders, and improved cross-sell and operational efficiency.

Four Oaks Bank

Alan Jewells

Senior Vice President, Four Oaks Bank