Independent Banker - December 2024 - 53

Community banks with a seamless
mobile app experience, easy bill-pay
tools and other streamlined processes
are well-positioned to capture
younger consumers.
" That's part of what we tried to
do at Williamstown Bank, where
the [customer touchpoints] include
a mobile app, website, pop-up ads
and other modern tools that are also
mimicked inside of the branches as
well, " Throndson explains. Going a
step further, he says some banks are
also using AI-enabled monitors and
facial detection software in waiting
rooms to quickly gauge someone's age,
gender and potential banking needs.
" That way, when a customer advisor
comes out to greet them, they have
some good conversation prompts
to work with, " says Throndson.
He sees this as one more way for
community banks to solidify their
presence in the community and
offer a more personalized customer
experience, which is their advantage
over megabanks.
TBelow: Following its relocation, F&M
Bank's Auburn, Ind., branch underwent a
design refresh, incorporating more color and
comfortable seating.
For the bank interiors themselves,
institutions are leaning into warmer
colors, natural wood tones and
comfortable seating. " The design
itself promotes having staff members
who can come out and greet people
at the door, " says Throndson. Even a
customer who is coming in to use the
ITM to deposit a check can get some
one-on-one time with an employee,
who is there to guide them through
the process as needed.
" It's kind of like the grocery store
self-checkout lane, which some may
prefer while others still want to wait
in line for a live person to help them, "
says Throndson. Community banks
can cover the bases while still offering
that personalized approach that they're
known for. " If they want to get in and
get out, they can do that, " he adds.
" But if they want to have a fresh cup of
coffee and talk to their favorite team
member, then they can do that too. "
Prioritizing community
With 38 branches and $3.3 billion in
assets, F&M Bank of Archbold, Ohio,
typically adds one new branch every
year, for a total of five over the past
six years. Some of those are fill-out
locations where the bank may have
a geographic gap, while others are
independentbanker.org // 53

Independent Banker - December 2024

Table of Contents for the Digital Edition of Independent Banker - December 2024

Contents
Independent Banker - December 2024 - Cover1
Independent Banker - December 2024 - Cover2
Independent Banker - December 2024 - Contents
Independent Banker - December 2024 - 2
Independent Banker - December 2024 - 3
Independent Banker - December 2024 - 4
Independent Banker - December 2024 - 5
Independent Banker - December 2024 - 6
Independent Banker - December 2024 - 7
Independent Banker - December 2024 - 8
Independent Banker - December 2024 - 9
Independent Banker - December 2024 - 10
Independent Banker - December 2024 - 11
Independent Banker - December 2024 - 12
Independent Banker - December 2024 - 13
Independent Banker - December 2024 - 14
Independent Banker - December 2024 - 15
Independent Banker - December 2024 - 16
Independent Banker - December 2024 - 17
Independent Banker - December 2024 - 18
Independent Banker - December 2024 - 19
Independent Banker - December 2024 - 20
Independent Banker - December 2024 - 21
Independent Banker - December 2024 - 22
Independent Banker - December 2024 - 23
Independent Banker - December 2024 - 24
Independent Banker - December 2024 - FIS1
Independent Banker - December 2024 - FIS2
Independent Banker - December 2024 - FIS3
Independent Banker - December 2024 - FIS4
Independent Banker - December 2024 - 25
Independent Banker - December 2024 - 26
Independent Banker - December 2024 - 27
Independent Banker - December 2024 - 28
Independent Banker - December 2024 - 29
Independent Banker - December 2024 - 30
Independent Banker - December 2024 - 31
Independent Banker - December 2024 - 32
Independent Banker - December 2024 - 33
Independent Banker - December 2024 - 34
Independent Banker - December 2024 - 35
Independent Banker - December 2024 - 36
Independent Banker - December 2024 - 37
Independent Banker - December 2024 - 38
Independent Banker - December 2024 - 39
Independent Banker - December 2024 - 40
Independent Banker - December 2024 - 41
Independent Banker - December 2024 - 42
Independent Banker - December 2024 - 43
Independent Banker - December 2024 - 44
Independent Banker - December 2024 - 45
Independent Banker - December 2024 - 46
Independent Banker - December 2024 - 47
Independent Banker - December 2024 - 48
Independent Banker - December 2024 - 49
Independent Banker - December 2024 - 50
Independent Banker - December 2024 - 51
Independent Banker - December 2024 - 52
Independent Banker - December 2024 - 53
Independent Banker - December 2024 - 54
Independent Banker - December 2024 - 55
Independent Banker - December 2024 - 56
Independent Banker - December 2024 - 57
Independent Banker - December 2024 - 58
Independent Banker - December 2024 - 59
Independent Banker - December 2024 - 60
Independent Banker - December 2024 - 61
Independent Banker - December 2024 - 62
Independent Banker - December 2024 - 63
Independent Banker - December 2024 - 64
Independent Banker - December 2024 - 65
Independent Banker - December 2024 - 66
Independent Banker - December 2024 - 67
Independent Banker - December 2024 - 68
Independent Banker - December 2024 - Cover3
Independent Banker - December 2024 - Cover4
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