The house · 1807–2026
Every panic
got a name.
We kept ours.
Ingot Private was chartered in 1807 by Greenwich bullion merchants to assay, vault and bank gold. The name is the business. Two hundred nineteen years and five panics later, the charter has not changed hands and the doors have not closed.
The record
Eight dates
Eight dates
the house remembers.
Most of a bank's history is uneventful, which is the object of the exercise. These are the years that tested the proposition.
1807
The charter
Chartered by an act of the Connecticut General Assembly for a company of Greenwich bullion merchants. The trade was gold — assay it, vault it, and bank against it. The name was never a metaphor.
1837
The first panic, cleared
Credit collapsed from New Orleans to Boston and banks suspended specie payment by the hundred. This house did not suspend. Every draft presented was paid in coin, in full.
1873
The railway collapse
Railroad paper failed and took the exchanges down with it. We held no railroad paper. The vault held, the doors stayed open, and the ledger balanced on the last day of the year as it had on the first.
1907
The autumn the credit froze
In October the call market seized and trust companies fell in a week. Our clients' drafts still cleared. A quiet balance sheet makes no headlines, which is rather the point of one.
1929–33
Four thousand banks failed
Between the crash and the bank holiday, some four thousand American banks closed for good. This one paid every withdrawal presented — at par, on demand, without appointment.
1971
The gold window closes
Washington ended the dollar's convertibility to gold. We noted it. The house had long since learned to weigh wealth in decades, not decimals, and went on doing so.
2008
No rescue asked, none needed
The system was recapitalized at public expense. We took nothing and asked for nothing. Balance-sheet banking is dull for whole decades at a time. Then, briefly, it is not.
2026
The same desk, now in your pocket
The desk still answers on the first ring — 1-888-535-0100, at any hour. The statements now sign themselves and prove it: any document we issue can be checked at verify.ingotprivate.com/s, exactly as issued. The instrument changed. The bank did not.
The method
How we stay old.
Longevity is not luck held for two centuries. It is four habits, kept since the charter and never revised.
I.
Balance-sheet banking
We lend our own money, not the market's. A loan that must live on
our books for its whole life is underwritten as if it will — because it will.
II.
One desk
There are no departments to hide behind. The banker who takes your
call is the banker who answers for the outcome.
III.
No fashion
We decline more business than we accept. Nearly everything that has
killed a bank was popular at the time.
IV.
Documents that prove themselves
Every statement we issue is signed. Reference, period and closing
balance can be verified at verify.ingotprivate.com/s, exactly as issued.
1807Charter year
Member FDICDeposits insured
National AssociationIngot Private Bank, N.A.
Equal Housing LenderFair lending
021473001Routing
Greenwich, CTHead office
8 generationsOf client families
0Government rescues
219 yearsOne charter
1Desk
Introductions are made, not applied for.
Write to the desk, or ask the client who sent you here to make the call.