In a rapidly evolving banking industry where foresight and strategic planning are more critical than ever, Michael Klinger stands out as a trusted guide. As Vice President and BankValue Manager at United Bankers’ Bank (UBB), Michael helps community banks navigate complex valuation challenges, ownership transitions, and succession planning with a forward-thinking, people-first approach.
While valuations may seem like a numbers game on the surface, for Michael, they represent something deeper: the future strength and resilience of community banks—the very heartbeat of local economies across South Dakota and beyond.
From Numbers to Relationships
Michael’s journey to financial advisory services began with a solid foundation in valuations, but his career truly evolved when he entered the banking world. Over the past eight years at UBB, he has immersed himself in the intricacies of community banking. “At the end of the day, it’s not just about the numbers,” Michael shared. “It’s about the relationships you build with each banker, understanding their unique story, and helping them make decisions that impact not only their institutions but their communities.”
Working with banks ranging in size from $50 million to over $15 billion in assets, Michael brings deep technical expertise while keeping his approach rooted in collaboration and trust. He enjoys the personal side of the work—building long-term connections with clients that extend far beyond spreadsheets.
Supporting Banks in a Changing Landscape
As community banks adapt to new challenges—ranging from shifting market dynamics to rising operational costs—Michael and the BankValue Advisory Services team stand ready to help. One major trend he sees? The critical need for succession planning.
“Many rural community banks have been family-run for generations,” Michael explained. “But today, there often isn’t a next generation ready to step in. Without a strong bench or a clear succession plan, some banks find themselves facing tough decisions about their future sooner than expected.”
This reality underscores why Michael’s work is so vital. By providing independent, expert valuations, he helps banks establish a clearer picture of their financial position—whether for internal planning, shareholder agreements, ESOP management, or preparing for potential merger and acquisition opportunities.
“We’re here to give community banks the knowledge they need to make informed decisions,” Michael said. “We don’t just appraise the numbers—we help them understand what those numbers mean for their strategic future.”
What Sets UBB Apart
BankValue Advisory Services is unique in its specialization. As the only bankers’ bank to offer this dedicated service, UBB focuses exclusively on community banks. This depth of focus —and UBB’s own structure as a bank owned by community banks—gives Michael and his team unmatched insight into the everyday realities their clients face.
“We’re not a law firm charging by the hour. We’re a resource you can call anytime for a conversation, advice, or perspective,” Michael emphasized. “Because we talk to community bankers daily, we stay connected to the challenges they’re facing—whether it’s economic shifts, regulatory pressures, or market competition.”
This consultative, accessible approach makes BankValue Advisory Services a valuable partner, especially for community banks that value relationship-driven service over transactional interactions.
Looking to the Future
When asked what advice he would give to community bankers preparing for the future, Michael didn’t hesitate: “Start succession planning early.”
“Having a well-thought-out, documented succession plan is critical—whether your leadership team is nearing retirement or just starting out,” he said. “Life happens. Preparing today ensures your bank, your employees, and your community are set up for long-term success.”