Baltimore Lending Taxes Technology 
Independent Banker
APRIL 30, 2022
Whether it’s products and services, technology strategies or employee benefits, independent community banks decide on their own terms what’s best for their business and their customers. 3-yr average pre-tax ROA. pre-tax ROA: 3.08%. pre-tax ROA: 2.83%. pre-tax ROA: 2.68%. What fits one does not fit all. Tuscaloosa.
Independent Banker
MARCH 15, 2015
Thoughtful lending and an open mind keep profits strong for incoming ICBA chairman Jack Hartings. in Coldwater, Ohio, and ICBA’s incoming chairman, held fast to his community bank’s conservative lending practices. To combat the decline in the bank’s loan-to-deposit ratio, Hartings actively sought out new opportunities in lending.
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