BRICK and MORTAR for the 21st CENTURY Even as customers embrace and expect digital banking services, community bank branches are not just surviving but thriving. We hear from five banks betting on branches. By William Atkinson here's no doubt that the role of brick and mortar is changing in the community banking industry. But Independent Banker's 2020 Community Bank CEO Outlook survey revealed that, even as many national and regional banks are closing branches, the vast majority of community banks are looking to maintain or grow their branch networks. But these new branches don't necessarily look like what T you'd expect. Many community banks are reinventing or repurposing their offi ces to meet the changing needs of their customers and communities, as well as of the banks themselves. As a result, community banks and 58 Q ICBA Independent Banker Q April 2020