Independent Banker - January 2022 - 42

2022 COMMUNITY BANK CEO OUTLOOK
Program (PPP) borrowers also opened
new checking accounts there.
" When I talk to other CEOs across
the country, they tell me the same
thing: PPP borrowers who were first
rejected by their larger bank decided
to stop being customers there and
brought over their entire relationship
to the community bank that gave
them a PPP loan, " Silveria says. " As
a result, we're more challenged with
liquidity than the larger banks. "
What will drive profit in 2022?
So, where to put those deposits
to use? Nearly half (46.8%) of
community bank leaders say income
from commercial real estate (CRE)
loans is the revenue stream most
likely to drive their profitability in
2022. That's followed by residential
mortgage lending (36.3%),
small business lending (32.1%),
commercial and industrial (C&I)
lending (30%) and agricultural
lending (23.6%).
While demand for CRE and
construction lending remains robust
in the Santa Maria Valley, Silveria says
C&I loan demand is " lackluster, " and
many businesses still have unused
lines of credit. " But we still need
more of everything to keep pace with
deposit growth, " she adds.
Badger Bank in Fort Atkinson,
Wis., is facing increased competition
in its home market from other banks,
nonbanks and even credit unions
that are aggressively pricing loans
to businesses, says president and
CEO Steve Dehnert. To counter such
competition, the $186 million-asset
community bank plans to hire another
lender to seek deals across the
state, sticking to smaller towns and
avoiding the saturated Milwaukee and
Madison, Wis., markets.
Ponce Bank, a $1.5 billion-asset
community development financial
In your local or regional
market, which is your
community bank's most
significant competitor?
Does your bank
anticipate having
fewer or more brickand-mortar
branches
at the end of 2022?
18.5%
A money center
or regional bank
Fewer: 5.6%
18.1%
44%
Another
community
bank
A credit union
More: 22.2%
16.2%
A Farm Credit
System lender
No change: 69.9%
1.4%
A fintech lender
1.8%
A megabank
Not sure yet: 2.3%
" There has to be a follow-up to PPP
loans to small businesses, and we
view that as one of our missions.
Because if we don't strengthen
our small businesses, we can't
strengthen our communities. "
-Carlos P. Naudon, Ponce Bank
42 Q ICBA Independent Banker Q January 2022

Independent Banker - January 2022

Table of Contents for the Digital Edition of Independent Banker - January 2022

Table of Contents
Independent Banker - January 2022 - Cover1
Independent Banker - January 2022 - Cover2
Independent Banker - January 2022 - Table of Contents
Independent Banker - January 2022 - 2
Independent Banker - January 2022 - 3
Independent Banker - January 2022 - 4
Independent Banker - January 2022 - 5
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