Private banking · Est. 1807 · Greenwich, Connecticut
Two centuries of keeping serious money quiet.
Ingot Private is a balance-sheet bank for a small number of families.
One banker, one desk, and an institution that has cleared every panic since 1807 —
without ever being interesting to anyone but its clients.
Wealth outlives the people who make it. So should the bank that keeps it.
Every decision here is made by someone whose name you know, at an
institution that has never sold a client relationship, syndicated a loan, or asked
anyone for a rescue. We are slower than our competitors. That is the product.
Why the house is different
Six disciplines we have not traded away.
I
We lend our own money
Every line is written against our balance sheet and held there. Nothing is
syndicated, packaged, or sold to a party you never met.
II
One banker, start to finish
The person who answers is the person who can move the money. No queues, no
handoffs, no case number.
III
We decline more than we accept
A relationship we cannot serve properly is one we do not open. Scarcity is not
marketing here; it is arithmetic.
IV
Documents that prove themselves
Every statement is signed and independently verifiable. The arithmetic is printed,
not summarized.
V
No proprietary products
We are paid to keep and steward money, never to place it into something we
manufactured.
VI
Patience as a strategy
We measure performance in decades because our clients measure inheritance in
generations.
Checking and reserve accounts on our own balance sheet, with dedicated routing
and no sweep to a bank you never chose.
4.30% APY · Reserve02
Same-day wires
Fedwire in both directions, instructed by the banker who knows your voice and
confirmed before the line goes quiet.
No wire fees03
Reserve lines of credit
Written against portfolios, partnerships and property. Conservative advance
rates, drawn by wire, never syndicated.
Typical first draw · 6 days04
Discretionary mandates
We act within an agreed policy and you read about it monthly, on one statement
that carries every position.
One ledger05
Advisory mandates
We bring the analysis and the disagreement; you keep the pen. Nothing moves
without your instruction.
Your call06
Consolidated reporting
Every account and position folded into a single monthly statement that
reconciles to the cent and proves it.
Signed & verifiable07
Bullion custody
The original business. Assayed, weighed and vaulted in Greenwich, as it has been
since the charter.
Vault 108
The card
A single slab of engraved metal, with controls that take effect before you put
the phone down.
Visa Infinite
01 / 08
From the record
What clients say
“
They talked me out of the loan. It was the most valuable thing a bank ever did for me.
Client since 2009 · Founder, Connecticut“
Four generations. Not once has anyone here asked us what else we might buy.
Client since 1948 · Family trust“
In 2008 the phone was answered on the second ring. That is the entire review.
Client since 1996 · Executor
What we do
Three disciplines. Nothing else.
We do not sell products. We keep deposits, extend credit against what you
already own, and manage capital with the patience of a house that measures performance
in generations.
Each statement we issue is signed. Scan the code in
the footer — or paste the reference at verify.ingotprivate.com/s —
and we confirm the reference, period and closing balance exactly as issued.