Independent Banker - July 2020 - 37
well. But that doesn't mean they
aren't able to mold their positions
to best fit their skill sets, Gudajtes
says. A boomerang employee, he has
climbed the ranks at Choice Bank
each time he returned to work at the
bank over the past 16 years. He's
been in his current position just over
a year and has made it his own.
" The person I replaced didn't have
the exact duties I have, " he says.
" We maintain a level of flexibility
of any position; we're not rigid in
titles and duties. We believe a lot in
people power. We're not trying to fit
the round employee into a square
job. We're small enough and flexible
enough that we can morph those
duties to fit the person's strength. "
One thing that many of the
community bank's employees have
in common is deep agricultural
experience. " We have a very strong
underwriting team that has a great
interest in agriculture, and we
consider many of them to be experts, "
says Gudajtes, who farms sugar beets,
edible beans, soybeans, wheat and
barley. " For instance, we have guys in
the sugar beet and potato areas, and
those guys know that industry inside
and out. Likewise, we have employees
who live more in the cattle ranching
areas and own cattle themselves,
and that helps them understand that
industry inside and out. "
That deep ag knowledge
means loan officers can examine
loan applications from farmers
and ranchers with a profound
understanding of their business.
" We take a strong look at every
credit that comes through, " Gudajtes
says. " We look at each credit
individually. We look at each farm on
its own merits and try to find remedies
that work for that particular operation.
I'm proud to say that even in this
stressed ag economy, we've renewed
almost every customer this year, and
we have grown our business picking
up customers from other lenders. "
Choice Bank's agricultural lending team works closely with the community bank's
insurance managers, such as Jason Tryan (right), pictured helping a client determine
the best coverage for her operation's needs.
Agriculture: $1 billion or more
Rank
Bank name
1
2
3
4
5
6
7
8
9
10
11
12
13
14
15
16
17
18
19
20
Fidelity Bank & Trust
The Farmers & Merchants State Bank
First Financial Bank
United Bank of Iowa
American Bank Center
CNB Bank & Trust, N.A.
BankWest, Inc.
Opportunity Bank of Montana
State Bank of Cross Plains
The Bank of Commerce
Security First Bank
Dacotah Bank
MidWestOne Bank
Choice Bank
First Bank & Trust
First International Bank & Trust
Live Oak Banking Company
Starion Bank
The Farmers & Merchants Bank
Heartland Bank
City
Dyersville
Archbold
El Dorado
Ida Grove
Dickinson
Carlinville
Pierre
Helena
Cross Plains
Idaho Falls
Rushville
Aberdeen
Iowa City
Fargo
Brookings
Watford City
Wilmington
Bismarck
Stuttgart
Whitehall
State
IA
OH
AR
IA
ND
IL
SD
MT
WI
ID
NE
SD
IA
ND
SD
ND
NC
ND
AR
OH
Commercial Lender
Score
92.6
88.8
87.8
85.3
82.9
82.8
82.0
81.7
80.7
80.5
79.7
79.6
79.1
78.6
78.3
78.1
77.7
77.4
76.6
76.5
independentbanker.org Q 37
http://www.independentbanker.org
Independent Banker - July 2020
Table of Contents for the Digital Edition of Independent Banker - July 2020
Table of Contents
Independent Banker - July 2020 - Intro
Independent Banker - July 2020 - Cover1
Independent Banker - July 2020 - Cover2
Independent Banker - July 2020 - Table of Contents
Independent Banker - July 2020 - 2
Independent Banker - July 2020 - 3
Independent Banker - July 2020 - 4
Independent Banker - July 2020 - 5
Independent Banker - July 2020 - 6
Independent Banker - July 2020 - 7
Independent Banker - July 2020 - 8
Independent Banker - July 2020 - 9
Independent Banker - July 2020 - 10
Independent Banker - July 2020 - 11
Independent Banker - July 2020 - 12
Independent Banker - July 2020 - 13
Independent Banker - July 2020 - 14
Independent Banker - July 2020 - 15
Independent Banker - July 2020 - 16
Independent Banker - July 2020 - 17
Independent Banker - July 2020 - 18
Independent Banker - July 2020 - 19
Independent Banker - July 2020 - 20
Independent Banker - July 2020 - 21
Independent Banker - July 2020 - 22
Independent Banker - July 2020 - 23
Independent Banker - July 2020 - 24
Independent Banker - July 2020 - 25
Independent Banker - July 2020 - 26
Independent Banker - July 2020 - 27
Independent Banker - July 2020 - 28
Independent Banker - July 2020 - 29
Independent Banker - July 2020 - 30
Independent Banker - July 2020 - 31
Independent Banker - July 2020 - 32
Independent Banker - July 2020 - 33
Independent Banker - July 2020 - 34
Independent Banker - July 2020 - 35
Independent Banker - July 2020 - 36
Independent Banker - July 2020 - 37
Independent Banker - July 2020 - 38
Independent Banker - July 2020 - 39
Independent Banker - July 2020 - 40
Independent Banker - July 2020 - 41
Independent Banker - July 2020 - 42
Independent Banker - July 2020 - 43
Independent Banker - July 2020 - 44
Independent Banker - July 2020 - 45
Independent Banker - July 2020 - 46
Independent Banker - July 2020 - 47
Independent Banker - July 2020 - 48
Independent Banker - July 2020 - 49
Independent Banker - July 2020 - 50
Independent Banker - July 2020 - 51
Independent Banker - July 2020 - 52
Independent Banker - July 2020 - 53
Independent Banker - July 2020 - 54
Independent Banker - July 2020 - 55
Independent Banker - July 2020 - 56
Independent Banker - July 2020 - 57
Independent Banker - July 2020 - 58
Independent Banker - July 2020 - 59
Independent Banker - July 2020 - 60
Independent Banker - July 2020 - 61
Independent Banker - July 2020 - 62
Independent Banker - July 2020 - 63
Independent Banker - July 2020 - 64
Independent Banker - July 2020 - 65
Independent Banker - July 2020 - 66
Independent Banker - July 2020 - 67
Independent Banker - July 2020 - 68
Independent Banker - July 2020 - 69
Independent Banker - July 2020 - 70
Independent Banker - July 2020 - 71
Independent Banker - July 2020 - 72
Independent Banker - July 2020 - Cover3
Independent Banker - July 2020 - Cover4
https://www.nxtbook.com/mspc/independentbanker/october2024
https://www.nxtbook.com/mspc/independentbanker/september2024
https://www.nxtbook.com/mspc/independentbanker/august2024
https://www.nxtbook.com/mspc/independentbanker/july2024
https://www.nxtbook.com/mspc/independentbanker/june2024
https://www.nxtbook.com/mspc/independentbanker/may2024
https://www.nxtbook.com/mspc/independentbanker/april2024
https://www.nxtbook.com/mspc/independentbanker/march2024
https://www.nxtbook.com/mspc/independentbanker/february2024
https://www.nxtbook.com/mspc/independentbanker/january2024
https://www.nxtbook.com/mspc/independentbanker/december2023
https://www.nxtbook.com/mspc/independentbanker/november2023
https://www.nxtbook.com/mspc/independentbanker/october2023
https://www.nxtbook.com/mspc/independentbanker/september2023
https://www.nxtbook.com/mspc/independentbanker/august2023
https://www.nxtbook.com/mspc/independentbanker/july2023
https://www.nxtbook.com/mspc/independentbanker/june2023
https://www.nxtbook.com/mspc/independentbanker/may2023
https://www.nxtbook.com/mspc/independentbanker/april2023
https://www.nxtbook.com/mspc/independentbanker/march2023
https://www.nxtbook.com/mspc/independentbanker/february2023
https://www.nxtbook.com/mspc/independentbanker/january2023
https://www.nxtbook.com/mspc/independentbanker/december2022
https://www.nxtbook.com/mspc/independentbanker/november2022
https://www.nxtbook.com/mspc/independentbanker/october2022
https://www.nxtbook.com/mspc/independentbanker/september2022
https://www.nxtbook.com/mspc/independentbanker/august2022
https://www.nxtbook.com/mspc/independentbanker/july2022
https://www.nxtbook.com/mspc/independentbanker/june2022
https://www.nxtbook.com/mspc/independentbanker/may2022
https://www.nxtbook.com/mspc/independentbanker/april2022
https://www.nxtbook.com/mspc/independentbanker/march2022
https://www.nxtbook.com/mspc/independentbanker/february2022
https://www.nxtbook.com/mspc/independentbanker/january2022
https://www.nxtbook.com/mspc/independentbanker/december2021
https://www.nxtbook.com/mspc/independentbanker/november2021
https://www.nxtbook.com/mspc/independentbanker/october2021
https://www.nxtbook.com/mspc/independentbanker/september2021
https://www.nxtbook.com/mspc/independentbanker/august2021
https://www.nxtbook.com/mspc/independentbanker/july2021
https://www.nxtbook.com/mspc/independentbanker/june2021
https://www.nxtbook.com/mspc/independentbanker/may2021
https://www.nxtbook.com/mspc/independentbanker/april2021
https://www.nxtbook.com/mspc/independentbanker/march2021
https://www.nxtbook.com/mspc/independentbanker/february2021
https://www.nxtbook.com/mspc/independentbanker/january2021
https://www.nxtbook.com/mspc/independentbanker/december2020
https://www.nxtbook.com/mspc/independentbanker/november2020
https://www.nxtbook.com/mspc/independentbanker/october2020
https://www.nxtbook.com/mspc/independentbanker/september2020
https://www.nxtbook.com/mspc/independentbanker/august2020
https://www.nxtbook.com/mspc/independentbanker/july2020
https://www.nxtbook.com/mspc/independentbanker/june2020
https://www.nxtbook.com/mspc/independentbanker/may2020
https://www.nxtbook.com/mspc/independentbanker/april2020
https://www.nxtbook.com/mspc/independentbanker/march2020
https://www.nxtbook.com/mspc/independentbanker/february2020
https://www.nxtbook.com/mspc/independentbanker/january2020
https://www.nxtbook.com/mspc/independentbanker/december2019
https://www.nxtbook.com/mspc/independentbanker/november2019
https://www.nxtbook.com/mspc/independentbanker/october2019
https://www.nxtbook.com/mspc/independentbanker/september2019
https://www.nxtbook.com/mspc/independentbanker/august2019
https://www.nxtbook.com/mspc/independentbanker/july2019
https://www.nxtbook.com/mspc/independentbanker/june2019
https://www.nxtbook.com/mspc/independentbanker/may2019
https://www.nxtbook.com/mspc/independentbanker/april2019
https://www.nxtbook.com/mspc/independentbanker/march2019
https://www.nxtbook.com/mspc/independentbanker/february2019
https://www.nxtbook.com/mspc/independentbanker/january2019
https://www.nxtbook.com/mspc/independentbanker/december2018
https://www.nxtbook.com/mspc/independentbanker/november2018
https://www.nxtbook.com/mspc/independentbanker/october2018
https://www.nxtbook.com/mspc/independentbanker/september2018
https://www.nxtbook.com/mspc/independentbanker/august2018
https://www.nxtbook.com/mspc/independentbanker/july2018
https://www.nxtbook.com/mspc/independentbanker/june2018
https://www.nxtbook.com/mspc/independentbanker/may2018
https://www.nxtbook.com/mspc/independentbanker/april2018
https://www.nxtbook.com/mspc/independentbanker/march2018
https://www.nxtbook.com/mspc/independentbanker/february2018
https://www.nxtbook.com/mspc/independentbanker/january2018
https://www.nxtbook.com/mspc/independentbanker/december2017
https://www.nxtbook.com/mspc/independentbanker/november2017
https://www.nxtbook.com/mspc/independentbanker/october2017
https://www.nxtbook.com/mspc/independentbanker/september2017
https://www.nxtbook.com/mspc/independentbanker/august2017
https://www.nxtbook.com/mspc/independentbanker/july2017
https://www.nxtbook.com/mspc/independentbanker/june2017
https://www.nxtbook.com/mspc/independentbanker/may2017
https://www.nxtbook.com/mspc/independentbanker/april2017
https://www.nxtbookmedia.com