JANUARY 2022 Vol. 72, Issue 1 FEATURES 38 Community Bank CEO Outlook 2022 After a tumultuous year, Independent Banker asked community bankers about their challenges, plans for growth and changing expectations for 2022 48 Gen Z is ready for you Gen Zers are becoming increasingly financially savvy compared with previous generations. Community banks are meeting them where they gather: online 54 How are today's de novos faring? Today's de novos are rebounding from the 2008 financial crisis. Here are the challenges community bankers launching these banks are facing amid the pandemic 48 Cover: Illustration by blindSALIDA 54 independentbanker.org Q 1 38http://www.independentbanker.org