JULY 2023 Vol. 73, Issue 7 FEATURES 38 Top lenders of 2023 Across agriculture, commercial and consumer lending, these are the community banks that have achieved the best loan growth in their categories over the past year. 50 Risk management clinic What services, tips and solutions can you use to address your bank's risk factors? 56 8 ways to improve the digital customer experience Customers have high expectations when it comes to digital technology. Learn how you can enhance your users' experience. 50 Cover: Photo by Ryan Greenleaf 56 independentbanker.org // 1 38http://www.independentbanker.org