Independent Banker - July 2023 - 42

ICBA's
TOP
LENDERS
2023
Keystone Bank wants
to work with customers
with liquidity and a track
record of success. From
left: Sean Parsons, EVP,
senior lending officer;
Jeff Wilkinson, chairman
& CEO; Gregg Johnson,
SVP, commercial lending.
COMMERCIAL
OFFERING CONSISTENCY
IN INCONSISTENT TIMES
By Mindy Charski
W
ith rising interest
rates and inflation
on the move, the
word " consistency " doesn't have an
easy association with the current
banking environment.
Yet, consistency in various
forms has helped three very
different community banks excel
at commercial lending. Below, they
share some of their secrets of success.
1. Be a bank that customers
can rely on
Central Texas is a diverse market
in growth mode, which makes it a
fabulous place to be a local lender.
Jeff Wilkinson, chairman and chief
executive officer of $800 millionasset
Keystone Bank, jokes, " We're in
Austin, Texas. I don't even think I can
screw it up. "
But in truth, thriving requires the
right ingredients. " You have to decide
who you are, and you have to stick
to that, " Wilkinson says. " You can't
keep changing and trying to think
that you're going to be all things to all
people. "
Indeed, rather than seeking to do
business with everyone, Keystone
Bank largely targets entrepreneurs
and business owners and operators
with certain attributes. Among them:
liquidity, a track record of success
and a desire to build a relationship
with local decision-makers.
For $7 billion-asset BankPlus
42 // ICBA Independent Banker // July 2023

Independent Banker - July 2023

Table of Contents for the Digital Edition of Independent Banker - July 2023

Contents
Independent Banker - July 2023 - Intro
Independent Banker - July 2023 - Cover1
Independent Banker - July 2023 - Cover2
Independent Banker - July 2023 - Contents
Independent Banker - July 2023 - 2
Independent Banker - July 2023 - 3
Independent Banker - July 2023 - 4
Independent Banker - July 2023 - 5
Independent Banker - July 2023 - 6
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Independent Banker - July 2023 - Cover3
Independent Banker - July 2023 - Cover4
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