Independent Banker - March 2019 - 32

PORTFOLIO
Richard Wright of Heelstone
Energy and Jordan Blanchard
of Live Oak Bank visit one of
the energy developer's solar
projects near Rockingham, N.C.
Making the most of
small-business lending
Lending
In the competitive smallbusiness
lending marketplace,
how do community banks find success? Here
are four community banks that are finding
their footing. By William Atkinson
or some community banks, just doing the
right things in the best way possible is the
key to success with small-business lending. For
others, fi nding a niche and creating a strong program
around that niche is the key. Here, we look
at four community banks that have achieved success
with their small-business lending programs.
32 Q ICBA Independent Banker Q March 2019
F
As far as Mark Skelton is concerned, the most
important factor in small-business lending is
management ownership and commitment. They
must be willing to commit the necessary resources
and time to the program. " For one thing, there is
a diff erent risk profi le involved in small-business
lending than there is for conventional commercial
lending, " says Skelton, who is vice president
and senior commercial lender of FNBC Small
Business for $460 million-asset FNBC Bank in
Ash Flat, Ark. " Not all of these loans are the bluechip
deals that everyone is looking for. "
The second key is a clearly defi ned vision and
Quick stat
77%
of agricultural
loans come from
community
banks
Source: ICBA
Live Oak Bank

Independent Banker - March 2019

Table of Contents for the Digital Edition of Independent Banker - March 2019

Table of Contents
Independent Banker - March 2019 - Intro
Independent Banker - March 2019 - Cover1
Independent Banker - March 2019 - Cover2
Independent Banker - March 2019 - Table of Contents
Independent Banker - March 2019 - 2
Independent Banker - March 2019 - 3
Independent Banker - March 2019 - 4
Independent Banker - March 2019 - 5
Independent Banker - March 2019 - 6
Independent Banker - March 2019 - 7
Independent Banker - March 2019 - 8
Independent Banker - March 2019 - 9
Independent Banker - March 2019 - 10
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Independent Banker - March 2019 - Cover3
Independent Banker - March 2019 - Cover4
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