Independent Banker - August 2017 - 33

Ahead of the curve
No. 9
THREE RIVERS BANK OF MONTANA:
A SMALL BUSINESS AT HEART
A $140 million-asset community bank is making big
waves out west. Earlier this year, the U.S. Small Business
Administration named Three Rivers Bank of
Montana the state's Emerging Lender of the Year in
recognition of its growing portfolio of 7(a) loans.
A.J. King, president of the Kalispell, Mont., community
bank, credits this success to its employees, as well
as the support it receives from ICBA. " We've benefi ted
from the education ICBA offers, " he says. " They have
an extensive system, which has fi lled in a lot of gaps. "
IB: What makes Three Rivers Bank stand out?
A.J. King: I feel that we are well-rounded. We have
about a $100 million of sold residential mortgages we
originated and service, and we have been successful
with originating small-business loans. We really, truly
are a small business, and being family-owned, we are
able to relate to a lot of these other small-business
people. Our niche is being a relationship lender and
getting our customers to do all of their business with us.
IB: What keeps customers coming back?
King: Basically, treating them right. Treating them
with respect, using common sense and going the extra
mile for them. The big bank or credit union down the
street might give them a better rate on a loan, but we
have their back.
IB: What are you most proud of?
King: I'm really proud to be a second-generation
community banker. My dad was ICBA chairman in the
1980s. I have been able to make people's dreams come
true. The biggest compliment is when customers say, " I
never could have done this without you. "
-Sara Schlueter
" Our niche is being
a relationship lender
and getting our
customers to do all
of their business
with us. "
-A.J. KING, THREE RIVERS
BANK OF MONTANA
PHOTO: JESSICA L O WRY

Independent Banker - August 2017

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