Independent Banker - September 2017 - 14
With Interest
INDIE BANKER
Slow and steady
Tom McGraw's commitment to rock-solid customer
relationships fuels First National Bank of Northern
California's continuous organic growth.
By Carol Patton
T
om McGraw is the type
of community banker
who posts his email and
direct phone number
on his bank's website,
turned down a raise and bonus
during a struggling economy, and
never loses sight of his top priority:
building and cementing customer
relationships.
McGraw is the CEO of $1.2 billion-asset
First National Bank of
Northern California. The 54-yearold
community bank supports 12
branches throughout San Francisco,
San Mateo and Santa Clara counties.
Its growth is organic, ranging
between 5 and 8 percent each year.
McGraw says by taking a slow but
steady approach, the bank is profi table,
resilient and stable-a fi nancial
institution customers can rely on in
an industry burdened with change.
" We're not so concerned about
doing a one-time deal for somebody, "
says McGraw, adding that too many
risks are involved with rapid growth.
" We want this to be a long-term
relationship. That really is a pretty
accurate refl ection of a culture we
sustained for 54 years. "
Grass isn't always greener
When the recession hit nearly 10
years ago and interest rates nosedived,
it was challenging for First
National to continue growing organically.
But over the past 12 years, the
community bank has acquired several
smaller banks and grown its assets by
roughly $700 million.
" When businesses grow too fast,
fundamental fi nancial management
often suffers, " McGraw says. " We
always made it our objective, as we
purchase banks, to take one step at
First National Bank of
Northern California
San Francisco, Calif.
Assets: $1.2 billion
Retail locations: 12
Employees: 206
Founded: 1963
Website: fnbnorcal.com
14 ICBA IndependentBanker September 2017
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Independent Banker - September 2017
Table of Contents for the Digital Edition of Independent Banker - September 2017
Table of Contents
Independent Banker - September 2017 - Intro
Independent Banker - September 2017 - Cover1
Independent Banker - September 2017 - Cover2
Independent Banker - September 2017 - Table of Contents
Independent Banker - September 2017 - 2
Independent Banker - September 2017 - 3
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Independent Banker - September 2017 - Cover3
Independent Banker - September 2017 - Cover4
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