JUNE ƟǒƟǒ Vol. 70, Issue 6 35 40 Under 40 Independent Banker's list of emerging community bank leaders under the age of 40 reveals the ambitious go-getters, the tech-savvy innovators and the strategic executives who are poised to become the faces of the community banking industry features 50 COVID-19's ripple eff ect on lending The COVID-19 pandemic has reshaped daily life, including how community banks and their business customers interact 56 How to rebuild your back off ice for Gen Z Gen Z's expectations for banking may strain the back off ice. Here's how community banks are evolving their operations to keep up Cover illustrations: Randall Nelson independentbanker.org Q 1 Budget nding 3.09http://www.independentbanker.org