PORTFOLIO Deep dives into topics that matter to community banks Daniel M. Epstein of Mission Valley Bank " We're cautiously optimistic on the outlook [of loan demand], but ... there is still a lot of uncertainty driven by the pandemic. " -DANIEL M. EPSTEIN, MISSION VALLEY BANK What do community bankers foresee for the lending market this year? Page 18 Photo: Ari Michelson independentbanker.org Q 17http://www.independentbanker.org