Independent Banker - December 2017 - 30

The three musketeers-
Joe Fazio (center) at Commerce State
Bank's West Bend branch office with the
men who cofounded the bank with him:
Dave Borchardt (l), chief financial officer
and chief operations officer, and Tom Hopp
(r), president. Below: Fazio was a member
of the Wisconsin Bankers Association
board of directors from 2013 to 2018.
says Fazio. " We know that a fast 'no' is better than a slow
'maybe.' " Taking it a step further, Commerce State Bank
acts as advisor as well as banker to its business customers,
helping them decide whether to hire another salesperson
or referring them to marketing or legal experts. It also
runs networking seminars for its customers and prospects.
Fazio focuses on financial literacy efforts in the community
and has authored a book, This Might Be a Dumb
Question But ... How Does Money Work?, to help people
understand the basics of money and investing. " You don't
need to understand
the exotic stuff to get
rich slowly, " Fazio
says. " I wanted to
explain things simply,
without getting
too complex. "
His co-author,
Jack Henke of
marketing firm
Henke & Associates,
recalls the first time
he met Fazio. " He
was introduced
to our team as a
potential candidate
for the local
Common Council, "
Henke says. " You
hear a lot of people
who complain about
the way things
are, but they are
unwilling to make
the commitment
30 ICBA Independent Banker December 2017
and act. Right from our first meeting, Joe radiated integrity
and commitment. We knew we had to do our best for him.
He won the election and was a positive, thoughtful and
active council member. "
Fazio also tries to reach
out to the next generation,
underscoring the potential
this career has to make
a difference.
" The reason young
people are not interested in
being community bankers
is a lack of knowledge and
familiarity with it, " Fazio
says. " It's not Wall Street or
the technology industry. It
doesn't sound cool.
" But millennials do
want to make a difference.
They do want to be a positive [force], and make the world
better. And they don't realize that you can do that in community
banking. "
Karen Epper Hoffman is a writer in Washington state.
" From our first
meeting, Joe
radiated integrity
and commitment.
We knew we had
to do our best
for him. "
-JACK HENKE, PRESIDENT/
CREATIVE DIRECTOR OF
HENKE & ASSOCIATES
Joe Fazio
CEO, chairman and cofounder, Commerce State Bank
Location: West Bend, Wis.
Asset size: $560 million
Founded: 2005
Website: commercestatebank.com
PHOTO: SARA STATHAS

http://www.commercestatebank.com

Independent Banker - December 2017

Table of Contents for the Digital Edition of Independent Banker - December 2017

Table of Contents
Independent Banker - December 2017 - Intro
Independent Banker - December 2017 - Cover1
Independent Banker - December 2017 - Cover2
Independent Banker - December 2017 - Table of Contents
Independent Banker - December 2017 - 2
Independent Banker - December 2017 - 3
Independent Banker - December 2017 - 4
Independent Banker - December 2017 - 5
Independent Banker - December 2017 - 6
Independent Banker - December 2017 - 7
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