JANUARY ƟǒƟǒ Vol. 70, Issue 1 40 Growth on the mind In Independent Banker's Community Bank CEO Outlook survey, we asked community bank leaders what's on their to-do lists for 2020. Their response? They're planning to expand by growing deposits, adopting new technologies, investing in digital marketing and more features 50 A de novo comeback For the past decade, de novo applications have slowed to a trickle. But that trend appears to be reversing with a new crop of successful startups 58 Leading on the edge Alison Levine, an author and ICBA LIVE 2020 general session speaker, has brought back lessons from the world's tallest peaks Cover: Edu Fuentes independentbanker.org Q 1http://www.independentbanker.org