Community Bank NJ Operations Retail 
Independent Banker
JUNE 30, 2022
The Peoples Bank helped the Jones family of Legacy Dairy in Hiseville, Ky., From left, Ally Jones; bank chairman, president and CEO Terry L. Last year, community bank loan producers were faced with both record-low interest rates and a glut of deposits. The bank provides crop insurance to farmers in 11 states.
Jeff For Banks
FEBRUARY 6, 2016
Not many investors complained about the old Commerce Bank (NJ) efficiency ratio of 70+% when they were delivering 20+% profit growth. That's positive operating leverage that so many financial institutions struggle with. They also suffer significant stock trading discounts to larger banks, even though they may perform better.
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