Independent Banker - January 2018 - 27
HEADS UP
Our annual State of Community Banking
Survey of ICBA member banks shows
that growth is the name of the game
in 2018. You're planning to achieve that
growth through creating efficiencies,
introducing new technology like loan
origination software and investing in
digital marketing. Read on for more
insights from our respondents.
By Kelly Pike
W
hether it's earnings, loans or deposits,
growth is the single biggest business goal
for community banks in 2018. And while
most are seeing at least some benefi t from
the second-longest economic recovery since
World War II, community banks are still
concerned with evolving challenges, including
cyber threats, regulatory burden and tight competition, all
while tweaking operations for the best results.
Those are the fi ndings of ICBA's 2018 State of Community
Banking Survey, which asked community bankers for insights
into their operations and strategies for the upcoming year.
Given the opportunity to write in their top business goal, a full
66 percent of respondents mentioned some sort of growth.
That includes 22 percent who aim to grow earnings, 20 percent
citing loan growth, 13 percent citing unspecifi ed growth and 11
percent citing deposit growth.
A continuation of strong earnings is the chief goal at the
Citizens Bank of Clovis in New Mexico. The $353 million-asset
bank increased earnings for each of the last three years and was
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ICBA Independent Banker 27
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Independent Banker - January 2018
Table of Contents for the Digital Edition of Independent Banker - January 2018
Table of Contents
Independent Banker - January 2018 - Intro
Independent Banker - January 2018 - Cover1
Independent Banker - January 2018 - Cover2
Independent Banker - January 2018 - Table of Contents
Independent Banker - January 2018 - 2
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Independent Banker - January 2018 - Cover3
Independent Banker - January 2018 - Cover4
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