Case Study: Square 1 Bank achieves streamlined, transparent credit operations and real-time reporting with nCino Bank Operating System

Square 1 Bank - Customer Case Study

Square 1 Bank, a Durham, NC–based lender focused on entrepreneurial and venture-backed clients with 13 loan production offices and about $2.5B in assets, needed to centralize and streamline a complex commercial credit process. The bank sought a single, user‑friendly platform—scalable and customizable, with CRM, document and portfolio management, mobile access, detailed reporting and faster loan cycle times—to replace disparate point solutions and provide transparency across offices and stakeholders.

Square 1 implemented the nCino Bank Operating System as its single source of truth (going live after a 120‑day implementation), integrating core relationship data and automating workflows while preserving key bank processes. The result was real‑time reporting and dashboards, faster underwriting and closings (moving from months to weeks and adding an estimated $100K annually), stronger portfolio oversight and compliance, improved efficiency ratios and measurable growth that supported the bank’s continued expansion and IPO readiness.

Square 1 Bank

Greg Thompson

EVP Shared Services