Independent Banker - July 2023 - 44

ICBA's
TOP
LENDERS
2023
biggest growth areas last year. Other
niches include recreational vehicle
(RV) parks, churches and storage
facilities.
" I think if you're serving any
particular niche, vertical or
community, people have to know that
you're in it for the long run, that you're
not going to jump in and then jump
out, " says James Beckwith, the bank's
president and chief executive officer.
2. Always deliver a high level
of service
At Five Star Bank, which has a
California footprint of seven fullbanking
offices and a loan production
office, " speed to serve " is a cultural
focus. " We're a small bank. How are
we going to outcompete the majors? "
Beckwith says. " We have to do it more
quickly and do it correctly and make
the right credit decisions. "
The second part of the bank's mantra
is " certainty of execution. " Customers
seeking commercial real estate
financing need to have confidence that
a bank will be able to deliver a loan
when it's time to close, Beckwith says.
BankPlus cites culture as a priority
in serving its clientele; it even has a
chief culture officer. " We understand
that we may have different jobs, but
we're all equally important to meeting
our customers' needs, " says Howell.
" Because if we don't do that internally,
our customers aren't going to see what
they need to see. "
The bank strives to offer the same
customer experience across its more
than 90 locations in diverse markets
in Mississippi, Louisiana, Alabama
and Florida.
Meanwhile, at three-branch
Keystone Bank, customers get the
cell phone numbers of bankers,
including Wilkinson's.
3. Provide reliable resources for
new and small businesses
Keystone Bank offers its customers
Five Star Bank's SVP/
chief banking officer
Mike Rizzo with client
Brian Lawrence,
president of Emigh
Ace Hardware, which
recently celebrated its
115th anniversary.
44 // ICBA Independent Banker // July 2023
Photo: Ryan Greenleaf

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
Independent Banker - July 2023 - 7
Independent Banker - July 2023 - 8
Independent Banker - July 2023 - 9
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Independent Banker - July 2023 - 43
Independent Banker - July 2023 - 44
Independent Banker - July 2023 - 45
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Independent Banker - July 2023 - Cover3
Independent Banker - July 2023 - Cover4
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