Community Bank National Operations Reference 
Independent Banker
NOVEMBER 30, 2022
Clockwise from top left: Grand Ridge National Bank, Wheaton, Ill.; Community Financial Services Bank, Benton, Ky.; Bank of Montana, Missoula, Mont.; CNB Bank, Berkeley Springs, W.Va.; Midwest Bank, Norfolk, Neb. Bank of Montana: Breaking the mold. Bank of Montana. What great resignation?
Independent Banker
JANUARY 31, 2022
Southern Bancorp partners with other community banks to increase loan accessibility and financial literacy to low-income customers. As CEO of Southern Bancorp, Darrin Williams wants to promote relationships between community banks and CDFIs to create more prosperous communities. Photo by Dero Sanford.
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Independent Banker
APRIL 30, 2022
Independent Banker’s annual listing top-performing community banks of 2021 alongside interviews with some of the winners. In true community bank fashion, each has its own story to tell and its own path to success. In true community bank fashion, each has its own story to tell and its own path to success.
Independent Banker
JANUARY 31, 2022
Ken Finley, president of Johnson City Bank, in downtown Johnson City with Shannon Sultemeier, executive vice president (left); and Brenda Haynes, vice president/cashier (right). Here’s how four community banks are thriving in this environment. These include family-owned businesses, community businesses and operating companies.
South State Correspondent
JULY 5, 2022
In a stagflation environment, as interest rates rise and cash flow (earnings before interest, taxes, depreciation, and amortization (EBITDA), or net operating income (NOI)) decreases, the borrower’s capacity to service debt as measured by the debt service coverage ratio (DSCR) decreases rapidly. A loan starting at 1.20X DSCR dips below 1.0X
PYMNTS
JUNE 11, 2018
community banks hailed some changes to the Dodd-Frank regulations, particularly in regard to how small to medium banks are treated. Closer to home, in the U.S., There’s also the exemption of some loan originators from disclosure requires, as had been mandated by the Home Mortgage Disclosure Act.
CFPB Monitor
OCTOBER 9, 2018
regulatory agencies—the Board of Governors of the Federal Reserve System, the Federal Deposit Insurance Corporation, the National Credit Union Administration, the Office of the Comptroller of the Currency, and the U.S. The Statement elaborates on three, non-exhaustive examples of appropriate resources to share.
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