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Banking Industry Audit, Tax, and Consulting Services

Banks partner with Aprio to navigate more than just banking compliance. We deliver banking consulting services to help you operate smarter, reduce risk, and support sustainable growth without overburdening internal teams.

Strengthen regulatory confidence. 

Manage risk. 

Improve financial performance.

Aprio helps banks and financial institutions Account for Anything™

At Aprio, we understand that the financial services industry doesn’t stand still. With evolving regulations and competitive landscape shifts, banks and financial institutions need technical experience paired with a strong understanding of the banking landscape.

Our banking consulting services combine deep regulatory knowledge with practical execution across audit, tax, and advisory. From banking compliance and FDICIA requirements to CECL consulting and loan review services, we help you navigate complexity with clarity. We act as an extension of your team, combining national-level capabilities with the accessibility and practical, experience-led guidance that community and regional banks actually need to Account for Anything™.

We serve:

Community banks (de novo up to ~$5 billion in assets), including SEC/PCAOB registrants

Our Solutions for the Banking Industry

Financial Statement Audits

We provide independent audits tailored to banks and financial institutions to help meet regulatory expectations, strengthen reporting accuracy, and maintain stakeholder confidence.

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Loan Review Service

Our loan review services assess credit quality, underwriting standards, and risk ratings to help reinforce your internal controls and adapt to examiner expectation

CECL Consulting & Implementation

We support CECL implementation with model development, data strategy, and ongoing regulatory compliance consulting, delivering practical solutions without overwhelming your team.

GAAP Consulting & Assistance

We provide GAAP consulting and technical support to help navigate complex accounting issues, enhance financial reporting, and stay aligned with evolving regulatory banking compliance standards.

FDICIA Compliance Support

Meet FDICIA requirements through control assessments, documentation support, and coordination with auditors to help ensure readiness as regulatory expectations shift.

Internal Audit Reviews and Assistance

Strengthen governance and evaluate internal controls with specialized insights that help reduce risk and improve operational effectiveness.

State and Local Tax (SALT)

We provide state and local tax (SALT) planning and compliance services to help financial institutions manage obligations and reduce exposure as they grow.

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Employee Benefit Plan Audits

We deliver employee benefit plan audits tailored to your needs, helping you stay compliant, accurate, and transparent for plan sponsors and stakeholders.

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Mergers and Acquisitions Advisory

We guide you through M&A transactions with diligence, financial analysis, and strategic advisory, so you can navigate change and grow with confidence.

IT Security & Regulatory Compliance Consulting

Align your bank’s IT systems with regulatory expectations, strengthening cybersecurity posture, and reducing regulatory and compliance risk.

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Frequently Asked Questions

What audit and assurance services does Aprio provide to banks?

Aprio provides financial statement audits, internal audit support, and regulatory assurance services tailored to banks and financial solutions. Our approach aligns with banking compliance requirements and examiner expectations.

How does Aprio help community banks with FDICIA compliance?

Aprio supports FDICIA compliance by assessing internal controls, preparing for Part 363 requirements, and working alongside management to help strengthen governance, reporting, and audit readiness.

What is CECL and how can Aprio assist with implementation?

CECL stands for Current Expected Credit Losses, a requirement for banks and financial institutions to estimate lifetime credit losses. Aprio assists with CECL implementation through model selection, data management, documentation, and ongoing compliance under ASC 326.

Does Aprio perform independent loan review services for community banks?

Yes. Aprio’s loan review services provide independent assessments of credit quality, underwriting practices, and risk ratings to support internal controls and regulatory compliance.

What size banks does Aprio serve?

Aprio primarily serves community and regional banks, including de novo institutions through organizations with up to approximately $5 billion in assets.

How does Aprio approach banking compliance consulting?

We combine deep regulatory knowledge with practical execution to help banks manage compliance requirements without overloading internal teams.

Can Aprio assist with bank mergers and acquisitions advisory?

Yes. Aprio supports M&A transactions with due diligence, financial analysis, and strategic guidance aligned to your growth objectives.

What IT security and compliance services does Aprio offer for financial institutions?

Aprio provides IT risk assessments, cybersecurity consulting, and regulatory compliance support to help banks protect systems and meet evolving requirements.

Does Aprio provide employee benefit plan audits for financial institutions?

Yes. Aprio provides employee benefit plan audits tailored to financial institutions, helping ensure compliance and accurate reporting.