CFOs2Go · 2GO Advisory Group
Glen Terry — Banking, Regulatory Remediation, and M&A Advisory
Partner, 2GO Advisory Group · Banking and Financial Services and M&A Practice Leader
Regulatory Remediation Bank Capital Raises Bank M&A Loan Workouts
Glen Terry is a Partner at 2GO Advisory Group and leader of its Banking and Financial Services and Mergers and Acquisitions practices. He has spent more than four decades in banking, including tenures as president and chief executive of eight banks, and now advises banks, credit unions and commercial borrowers on regulatory order remediation, capital formation, troubled-asset workouts and bank M&A.
Napa, California · Clients nationwide
Why companies engage Glen
A banker who has run the institution — in growth, crisis and sale
Glen has led banks through nearly every stage of an institution’s life: de novo formation, growth, merger, regulatory enforcement, receivership and sale. He has served as chief executive of banks operating under regulatory orders, worked directly with examination teams, and raised capital from private-equity and hedge-fund investors.
That operating record is what clients engage. Whether the issue is an examination finding, a capital need, a lender problem or a transaction, Glen has sat in the chief executive’s seat when the same pressure was on — and he knows what the regulator or the bank is required to do, and where the room actually is.
8 banks led as president and chief executive
$200M capital raise led at Opportunity Bancorp
40+ years in banking and financial services
Today he brings that experience to banks, credit unions and commercial borrowers nationwide, and co-leads 2GO’s Banking and Financial Services and Mergers and Acquisitions practices.
From either side of the table
Stabilize, recapitalize, restructure or sell.
Glen works with bank boards and management teams — and with the borrowers negotiating against them — when the stakes are regulatory, financial or strategic.
An examination finding or regulatory order
A capital need or recapitalization
A covenant breach or maturity default
A lender exiting the credit
A merger, acquisition or sale
A de novo charter or formation
Debt structuring for vineyard and winery expansion
Services
How Glen Helps
01 — Stabilize a bank under regulatory order
Builds and executes corrective-action plans covering credit administration, liquidity, capital and management structure, working directly with examination teams.
02 — Raise bank capital
Led a $10.8 million recapitalization at Gateway Bank and a $200 million raise at Opportunity Bancorp; advises on capital planning, investors, offering materials and diligence through close.
03 — Form, merge and sell banks
Founding CEO of Solano Bank, later merged with The Vintage Bank and sold to Umpqua Bank; advises from de novo formation and charter work through negotiation and close.
04 — Work out troubled loans
Managed workouts as a lender and now represents borrowers — building the cash-flow forecast, collateral analysis and lender submission, and negotiating with special-assets officers.
05 — Build revenue, deposits and sales culture
Diversifies revenue streams, acquires low-cost deposits and designs banking sales cultures across C&I, construction and commercial real estate lending.
06 — Unlock value outside banking
Finance and accounting leadership for operating companies, including Foster Lumber Yards, sold significantly above the initial offer price; also advises on vineyard and winery debt.
Best-fit engagements
When to Engage Glen
Banks and borrowers typically bring Glen in when:
A bank is operating under a regulatory order or examination findings.
The institution needs to raise capital or recapitalize.
A board is weighing a merger, acquisition or sale.
Organizers are forming a de novo bank or applying for a charter.
A borrower faces a covenant breach, maturity default or lender exit.
Management needs to diversify revenue or grow low-cost deposits.
An operating company needs interim finance and accounting leadership.
A vineyard or winery is structuring debt for expansion.
Where he works
Industries and Operating Context
Community Banks Credit Unions Fintech Commercial Borrowers Agriculture Wine Building Materials
Institutions under OCC and FDIC regulatory orders
FDIC-assisted acquisitions and receivership
Private-equity and hedge-fund-backed recapitalizations
Founder-led and de novo banks
Selected experience
Career Path
2024–presentPartner; Banking & Financial Services and M&A Practice Leader2GO Advisory Group / CFOs2Go
2017–2023President, CEO & DirectorGateway Bank, F.S.B. · Oakland, CA — $10.8M recapitalization under an OCC consent order
2009–2012President, CEO & DirectorOpportunity Bank / Opportunity Bancorp · Richardson, TX — $200M raise
2008–2009President, CEO & DirectorVineyard Bank, N.A. — restored liquidity from a $20M deficit to $180M+ excess
2002–2007President, CEO & DirectorThe Vintage Bank / Northbay Bancorp · Napa, CA — merged, then sold to Umpqua
2000–2002Founding President, CEO & DirectorSolano Bank · Vacaville, CA — de novo formation
1993–1996President & CEONapa Valley Bank · Napa, CA — $600M-asset bank sold to Westamerica
Credentials and Affiliations
Education: B.A., Political Science — Utah State University · MBA — University of Utah
Professional development: Factoring for commercial banks, troubled-asset restructuring, low-cost deposit acquisition, banking sales culture
Profiles: linkedin.com/in/glen-terry-13078521
Practice Groups
FAQ
Frequently Asked Questions
What does Glen Terry do at 2GO Advisory Group?
He is a Partner and leads the Banking and Financial Services and Mergers and Acquisitions practices, advising banks, credit unions, fintech companies, and commercial borrowers on regulatory remediation, capital formation, troubled-asset workouts, and M&A.
Has Glen Terry run a bank?
Yes — eight of them. He has served as president and chief executive of Napa Valley Bank, Solano Bank, The Vintage Bank and its holding company Northbay Bancorp, Tri-Valley Bank, Vineyard Bank, N.A., Opportunity Bank, Valley Community Bank, and Gateway Bank, F.S.B., spanning de novo formation, growth, crisis management, regulatory enforcement, and sale.
What capital raises has he led?
He led a $10.8 million recapitalization of Gateway Bank, F.S.B. under an OCC consent order and a $200 million capital raise at Opportunity Bancorp. He advises on capital planning, investors, offering materials, and diligence through close.
Has he taken a bank through regulatory enforcement?
Yes. He has served as chief executive of banks operating under regulatory orders, including Gateway Bank, F.S.B. under an OCC consent order. He builds and executes corrective-action plans covering credit administration, liquidity, capital, and management structure, working directly with examination teams.
Does he work with borrowers as well as banks?
Yes. Having managed workouts as a lender, he now represents commercial borrowers facing a covenant breach, maturity default, or lender exit — building the cash-flow forecast, collateral analysis, and lender submission, and negotiating with special-assets officers.
What is his experience with bank M&A?
He was founding CEO of Solano Bank, which later merged with The Vintage Bank and was sold to Umpqua Bank, and led Napa Valley Bank, a $600 million-asset bank sold to Westamerica. He advises boards from de novo formation and charter work through negotiation and close, and co-leads 2GO’s Mergers and Acquisitions practice.
How do you engage him?
Contact Glen directly at gterry@cfos2go.com or 951-310-8480. The first conversation is confidential and free of charge.
In Glen’s words
“Collaboratively navigating with clients through complex challenges, crafting innovative strategies that unlock new pathways to success.”
— Glen Terry
Talk with Glen
If you are facing an examination finding, a capital need, a lender problem or a transaction, the first conversation is confidential and free of charge.