A classic example of a bankers' bank is a specialized institution like Bankers' Bank (headquartered in Wisconsin) or similar wholesale financial entities that do not interact with the general public, but instead provide specialized check clearing, cash management, loan participation, and investment services exclusively to community banks. These unique institutions are formed collectively by independent banks to help smaller commercial lenders pool resources, manage regulatory liquidity requirements, and compete effectively against massive nationwide banking conglomerates without facing internal operational conflicts.