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Analytical and Personable

Independent Banker

As a successful commercial lending specialist for more than 30 years, Jamey Smith, Houston region CEO of Citizens Bank in Kilgore, Texas, has pursued a strategy of getting an in-depth understanding of potential customers and their businesses. He’s the epitome of a community bank lender.”. By Judith Sears.

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Bankers: Is your strategy the same as your competitor?

Jeff For Banks

Two sections of the 10k I scroll to is the "Business" section and the "Business Strategy" section. This, one would think, would give me a feel of the bank''s differentiation strategy, it''s perceived competitive advantage, if you will. Well don''t get too excited. I picked Texas because of their perceived independent streak.

Strategy 101