Independent Banker - December 2023 - 50

First State Community Bank
worked with design-build
firm NewGround to add a
" community wall " to highlight
its community's history,
pictures and mementos.
advertising products and services
with rates. It could be a message
from the president to the customer. "
Five Star Bank recently
introduced TVs that carry the bank's
own programming in its branches.
Messages about the bank's core
values, employee recognition, work
anniversaries, testimonials and
even local weather are included.
" It's an internal branding process, "
Beckwith points out. " We want to be
a high-tech, high-touch bank that
leads with relationships. "
Altoona First Savings Bank has
plans for using monitors to advertise
the bank's products but also to
advertise for its customers. For
instance, it might promote a local
restaurant or other local business.
" Some of the small businesses don't
have a whole lot of budget. We see
this as a value-add and a way to build
those relationships, " Campbell says.
FSCB has equipped some branch
drive-thrus with telemonitors to
improve efficiency as well as the
customer experience. Instead of a
teller's window that is barely visible
to the far lanes, the drive-thru
customer sees the teller's face directly.
" It creates a heightened level of
customer service, because you're face
to face, " explains Combs. " It's actually
more personalized. "
Some community banks are leasing
branch space to allied professionals
and small businesses. This further
integrates banks with the community.
" We've been partnering with other
professional businesses [to support
small businesses], such as insurance
agencies, appraisal companies
and title companies, " says Falcon
National's Nettesheim.
Falcon National is recognized
as a preferred SBA lender, and
hosting these allies underscores
its commitment to small business.
" Our customers really do appreciate
that we've built an ecosystem that
supports small business, " Nettesheim
adds. " We're thinking outside of just
banking in ways to support them. "
" our reTail sTaff are more
engaged and are emPowered
To make [ProducT and
service] recommendaTions
based on relaTionshiPs They
have wiTh cusTomers. "
Mark Nettesheim, Falcon National Bank
50 // ICBA Independent Banker // December 2023
Location, location, location
There's no question that physical
branches are a big investment, so
whether and where to build them
looms large in bankers' strategic
thinking. As part of its services,
PWCampbell provides demographic
studies of new markets. The firm
analyzes markets by census tract, age,
education, household growth and
income to identify which locations will
minimize risk.
" It's taking the whole network of
redoing existing branches and opening
Photo by Cody Goodrich/NewGround

Independent Banker - December 2023

Table of Contents for the Digital Edition of Independent Banker - December 2023

Contents
Independent Banker - December 2023 - Intro
Independent Banker - December 2023 - Cover1
Independent Banker - December 2023 - Cover2
Independent Banker - December 2023 - Contents
Independent Banker - December 2023 - 2
Independent Banker - December 2023 - 3
Independent Banker - December 2023 - 4
Independent Banker - December 2023 - 5
Independent Banker - December 2023 - 6
Independent Banker - December 2023 - 7
Independent Banker - December 2023 - 8
Independent Banker - December 2023 - 9
Independent Banker - December 2023 - 10
Independent Banker - December 2023 - 11
Independent Banker - December 2023 - 12
Independent Banker - December 2023 - 13
Independent Banker - December 2023 - 14
Independent Banker - December 2023 - 15
Independent Banker - December 2023 - 16
Independent Banker - December 2023 - 17
Independent Banker - December 2023 - 18
Independent Banker - December 2023 - 19
Independent Banker - December 2023 - 20
Independent Banker - December 2023 - 21
Independent Banker - December 2023 - 22
Independent Banker - December 2023 - 23
Independent Banker - December 2023 - 24
Independent Banker - December 2023 - FIS1
Independent Banker - December 2023 - FIS2
Independent Banker - December 2023 - FIS3
Independent Banker - December 2023 - FIS4
Independent Banker - December 2023 - 25
Independent Banker - December 2023 - 26
Independent Banker - December 2023 - 27
Independent Banker - December 2023 - 28
Independent Banker - December 2023 - 29
Independent Banker - December 2023 - 30
Independent Banker - December 2023 - 31
Independent Banker - December 2023 - 32
Independent Banker - December 2023 - 33
Independent Banker - December 2023 - 34
Independent Banker - December 2023 - 35
Independent Banker - December 2023 - 36
Independent Banker - December 2023 - 37
Independent Banker - December 2023 - 38
Independent Banker - December 2023 - 39
Independent Banker - December 2023 - 40
Independent Banker - December 2023 - 41
Independent Banker - December 2023 - 42
Independent Banker - December 2023 - 43
Independent Banker - December 2023 - 44
Independent Banker - December 2023 - 45
Independent Banker - December 2023 - 46
Independent Banker - December 2023 - 47
Independent Banker - December 2023 - 48
Independent Banker - December 2023 - 49
Independent Banker - December 2023 - 50
Independent Banker - December 2023 - 51
Independent Banker - December 2023 - 52
Independent Banker - December 2023 - 53
Independent Banker - December 2023 - 54
Independent Banker - December 2023 - 55
Independent Banker - December 2023 - 56
Independent Banker - December 2023 - 57
Independent Banker - December 2023 - 58
Independent Banker - December 2023 - 59
Independent Banker - December 2023 - 60
Independent Banker - December 2023 - 61
Independent Banker - December 2023 - 62
Independent Banker - December 2023 - 63
Independent Banker - December 2023 - 64
Independent Banker - December 2023 - 65
Independent Banker - December 2023 - 66
Independent Banker - December 2023 - 67
Independent Banker - December 2023 - 68
Independent Banker - December 2023 - Cover3
Independent Banker - December 2023 - Cover4
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https://www.nxtbook.com/mspc/independentbanker/october2017
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