Independent Banker - April 2020 - 61

A D.L. Evans Bank branch
features spaces for staff and
customers to meet.
with the increase of digital, this need is decreasing, "
he says. " But customers are wanting brick and mortar
locations in order to meet with our people for consultative
and informational needs, such as applying for loans. "
Heartland Bank:
AIMING FOR LOCAL GROWTH
H
eartland Bank in Gowrie, Iowa, is always looking
for opportunities to open new branches, either
via acquisitions or de novos, says president and
CEO Kevin Black.
" However, we are fi nding that acquisitions are getting
fairly expensive, " he says, " so if we can fi nd a market that
we feel is growing and is fairly close-less than two hours
away from our main offi ces-we will take a serious look at
it. In sum, we are looking for almost any opportunity that
we can fi nd in order to keep [growing]. "
As is the case with other banks, the $155 millionasset
community bank is fi nding that teller transactions
are decreasing, which leads to the opportunity for new
branches with smaller footprints. " Technology is really
driving banking today, so we focus on that in our new
branches, " Black says. " In addition, the adoption of mobile
banking continues to grow rapidly. In fact, what really
drives the success of a new branch for us is our employees.
You need good employees with the proper skill sets. "
In terms of advertising and marketing its new branches,
Heartland Bank continues to use traditional methods
but is increasing its use of cost-eff ective social media
platforms. " We also fi nd that having employees involved
in the community, such as participating in community
groups, helps get the word out, " Black says. " In fact, this
may actually be where we get our best advertising. The
reason is that we tend to be active in smaller communities,
and the personal touch is what leads to success. "
Legence Bank:
EFFICIENCY FIRST
hile there are plenty of community banks that
are opening brand new branches, some are
consolidating existing older branches and
replacing them with new state-of-the-art branches that
provide more features and benefi ts to customers.
One of these is $480 million-asset Legence Bank in
Eldorado, Ill. In the summer of 2018, Legence purchased
eight branches in southern Illinois from another
community bank. Two of these branches were located in
Marion, Ill. " One location was a rental facility, and the
other seemed to be in an inferior location and wasn't up to
W
The newly renovated
building that's home
to Heartland Bank's
newest branch in
Jeff erson, Iowa, was
at one point the
city's first bank.

Independent Banker - April 2020

Table of Contents for the Digital Edition of Independent Banker - April 2020

Table of Contents
Independent Banker - April 2020 - Intro
Independent Banker - April 2020 - Cover1
Independent Banker - April 2020 - Cover2
Independent Banker - April 2020 - Table of Contents
Independent Banker - April 2020 - 2
Independent Banker - April 2020 - 3
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Independent Banker - April 2020 - Cover3
Independent Banker - April 2020 - Cover4
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