Independent Banker - July 2020 - 39
First National Bank of Ottawa's board of directors includes (front row, left to right) vice-chairwoman Lynn Dubajic; chairman William Walsh Jr.;
director, president and CEO Steven Gonzalo; director and bank board chairman Daniel Miller; and director John Cantlin. Back row: director
Bradley Armstrong; director Donald Harris; director and executive officer Joseph Chiariello; and director Brian Zabel.
was a founder, and Chiariello was
a division head at that bank. After
American Chartered Bank merged
with MB Financial in 2016, Miller and
Chiariello realized they wanted to get
involved in another bank to carry on
their C&I lending.
" We felt First National Bank was
small enough to be open to change,
but big enough to be a platform for
what we needed to do, " Miller says.
" Most importantly, the board was
open to what we wanted to do. "
Their objective was to transform
First National from primarily an
agricultural and commercial and
residential real estate lender in its
central Illinois community into a
significant C&I lender in the western
suburbs of Chicago, which is about
80 miles northeast of Ottawa. The
vehicles for that change were their
strong client relationships.
" The idea was that the middle
market in Chicago for C&I loans had
been underserviced, " Gonzalo
Commercial: $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
First Keystone Community Bank
Vinton County National Bank
The Fidelity Deposit and Discount Bank
Main Street Bank
Texas Regional Bank
First Bank & Trust
The State Bank and Trust Company
Saco & Biddeford Savings Institution
The State Bank
Beneficial State Bank
Opportunity Bank of Montana
Guaranty Bank and Trust Company
Citizens National Bank, N.A.
The Old Point National Bank of Phoebus
Ponce Bank (MHC)
Northfield Savings Bank
Bank of Putnam County
The Park Bank
Santa Cruz County Bank
Armed Forces Bank, National Association
City
Berwick
McArthur
Dunmore
Marlborough
Harlingen
Sioux Falls
Defiance
Saco
Fenton
Oakland
Helena
Belzoni
Bossier City
Hampton
Bronx
Barre
Cookeville
Madison
Santa Cruz
Kansas City
State
PA
OH
PA
MA
TX
SD
OH
ME
MI
CA
MT
MS
LA
VA
NY
VT
TN
WI
CA
MO
Commercial
Lender Score
61.1
48.2
50.3
45.9
68.4
66.8
74.1
30.3
88.2
66.1
83.9
87.7
65.3
51.8
42.0
52.5
73.1
85.7
92.6
70.1
independentbanker.org Q 39
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
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Independent Banker - July 2020 - Cover3
Independent Banker - July 2020 - Cover4
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