Independent Banker - December 2024 - 54

4 tips for a
successful
bank redesign
1
Look at the big picture first.
Make sure your branch is
in the right location before
you start investing money
and time in the project. If it's
not, then a relocation may
be in order.
2
Find a design partner
that understands
community banks.
Not all designers have
experience with banking,
so ask about their
qualifications up front.
3
Get buy-in from the top.
Then, educate team
members on why the bank
is making these moves, how
this will help it compete in
the market and how it will
benefit customers.
4
Don't overdesign
or overbuild.
In some cases, very small
changes can produce
significant positive results.
in brand-new markets. But in 2023,
the community bank opened five
new offices, including one in Oxford,
Ohio, that took the place of another
institution that was exiting the market.
F&M Bank has redesigned both new
and existing branches over the past
few years. Working with NewGround
International as its design partner,
the community bank began infusing
more of its brand colors and logo
into its interiors. Every branch also
features a " market wall " that includes
community-focused graphics. For
example, after relocating its branch
in Auburn, Ind., recently, F&M Bank
made a market wall featuring images
of the Auburn automobile plant from
the early 1900s. " Everybody in town
can identify with the plant and the
impact it had on the community, " says
Lars Eller, president and CEO.
The community bank was also an
early user of ITMs in its drive-through
lanes, starting in 2016. While some
customers still prefer the " tubes "
54 // ICBA Independent Banker // December 2024
SAbove: F&M Bank worked with design
partner NewGround International to infuse
more of its brand colors and community
imagery into its branches' interior design.
(which are also available), others
like being able to interact with the
bank's " community administration
representatives " and even form virtual
bonds with them.
For its interiors, F&M has moved to
using more one-on-one interactions
with representatives, versus having
customers stand in a teller line. " [In
new branches,] we've moved to having
two or three stations that are all sitdown, "
Eller says. " That really helps
with the overall relationship feel of
being a community bank. "
Between 2019 and 2023, F&M
Bank went through each of its
branches one by one, giving them
a refresh and aligning their look
and feel with the institution's new
locations. The branches are now more
Photo courtesy of F&M Bank

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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