Independent Banker - July 2021 - 48

ICBA's
" For several weeks
[during the PPP], we
took no weekends off,
and I was getting emails
at 2 or 3 in the morning.
I think that intense
period really brought
home the meaning of
community banking. "
-WENDY ROSS,
BANK OF SAN FRANCISCO
Rank Bank Name
1
2
3
4
5
6
7
8
9
10
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a team effort, Ross says. Relationship
managers initiate loans, and
underwriters handle the credit work
behind the scenes. A commercial
banking associate also gets involved in
most business customer relationships.
And it's not uncommon for borrowers
to meet senior management.
During the pandemic, the
community bank's relationship
managers regularly connected with
clients over the phone or virtually
to see how they were doing. They
reviewed their portfolios with senior
management quarterly, often giving
updates client by client, Ross says.
" I think our clients really appreciated
the fact that they were hearing from
their banker regularly, and not in an
adversarial way, " Ross says. " Everyone
was working collaboratively to get
through this period. All in all, it's been
heartening to see how our clients
plowed through this period. "
The Bank of San Francisco's work
to help local businesses survive 2020
made true its slogan: " With You When
It Matters. "
" Boy, did last year really bring that
slogan home, " Ross says. " We are
entrepreneurs serving entrepreneurs.
And we have an undying commitment
to our community. " 
Ed Avis is a writer in Illinois.
48 Q ICBA Independent Banker Q July 2021
12
13
14
15
16
17
18
19
20
Commercial: $500 million to $1 billion
City
First Bank of the Lake
The First National Bank of Ottawa
Cogent Bank
Old Dominion National Bank
Oxford Bank
The Freedom Bank of Virginia
Hiawatha National Bank
Bank of San Francisco
Pilot Bank
Village Bank
First Utah Bank
Timberline Bank
Summit State Bank
First Citrus Bank
Commencement Bank
Oregon Pacific Banking Co.
Bank of Idaho
Regent Bank
People's Bank of Commerce
Vinings Bank
Osage Beach
Ottawa
Orange City
Charlottesville
Oxford
Fairfax
Hager City
San Francisco
Tampa
Midlothian
Salt Lake City
Grand Junction
Santa Rosa
Tampa
Tacoma
Florence
Idaho Falls
Tulsa
Medford
Smyrna
State
MO
IL
FL
VA
MI
VA
WI
CA
FL
VA
UT
CO
CA
FL
WA
OR
ID
OK
OR
GA
Rank Bank Name
1
2
3
4
5
6
7
8
9
11
Commercial: More than $1 billion
City
Cross River Bank
Quontic Bank
First Home Bank
Live Oak Banking Co.
Congressional Bank
Wallis Bank
Santa Cruz County Bank
Coastal Community Bank
Cache Valley Bank
10 Waterford Bank, N.A.
Citizens Bank
Riverview Bank
12
13
14
15
16
17
18
19
20
Sandy Spring Bank
One Community Bank
Central Bank
CFG Community Bank
The State Bank
Valley Republic Bank
b1BANK
Fort Lee
New York
St. Petersburg
Wilmington
Chevy Chase
Wallis
Santa Cruz
Everett
Logan
Toledo
Elizabethton
Marysville
Olney
Oregon
Storm Lake
Baltimore
Fenton
Bakersfield
Baton Rouge
Blue Ridge Bank, National Association Luray
State
NJ
NY
FL
NC
MD
TX
CA
WA
UT
OH
TN
PA
MD
WI
IA
MD
MI
CA
LA
VA
Commercial
Lender Score
99.88
98.48
97.66
96.75
96.71
95.64
95.17
94.61
94.30
94.07
93.77
93.76
93.40
93.14
93.00
92.66
92.54
91.58
91.33
91.27
Commercial
Lender Score
99.86
99.30
98.52
98.33
97.94
97.92
97.91
97.35
95.25
94.53
94.47
94.46
94.17
93.39
92.75
92.53
92.36
91.53
91.45
91.40
Independent Banker - July 2021

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