Independent Banker - July 2020 - 34

ICBA'S
TOP LENDERS
2020
There's no doubt that 2019 looked very diff erent than 2020 in all
areas of life, and community banking was no exception. But our
top lenders' exceptional performance last year has set them up for
success even in a time of turmoil. Read on to meet the year's most
successful loan producers in the agriculture, commercial and
consumer/mortgage categories. Q BY ED AVIS
Agriculture
People-powered ag lending
W
ith 25 locations across North Dakota and Minnesota,
Choice Bank in Fargo, N.D., is a major agricultural lender.
It supplies credit to Midwestern farmers who are raising the entire
spectrum of crops, from wheat to beets to cattle.
Despite the $2.4 billion-asset community bank's size and the
breadth of its lending expertise, its top leaders know their strength
comes from having the right people in local operations.
" We put a lot of emphasis on local decision-making ability, " says
Tony Gudajtes, executive vice president and agricultural market
president. " Our location presidents are given a lot of authority to
make decisions. They're not getting micromanaged from someone
who's out of the area telling them what should work in their market.
When the local president is able to make quick decisions right in front
of the customer, that really speeds up the process for the customer
and gives the customer a strong feeling that they're working
34 Q ICBA Independent Banker Q July 2020
Methodology
Using FDIC data for 2019, we
calculated a lender score out of
100 for each community bank.
The score combines the average
of the bank's percentile rank for
lending concentration and for
loan growth over the past year in
each lending category. We then
adjusted each score for loan
charge-off s in each category at
certain percentile thresholds.
Photo: Ben Gumeringer

Independent Banker - July 2020

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