" We stick to what we know. If we are good at it, we can go from good to great. We feel like we are a drop in the ocean in terms of hospitality lending, so we want to maintain [our expertise] in that industry we know so well. " -Sushil Patel " I firmly believe any business that is owner-operated has a leg up on any business that is not owner-operated ... When you have owners involved in the management, I think that is really what sets us apart. That is a very unique characteristic of our bank that leads us to success. " -Sushil Patel " I THINK THAT IS A KEY TO OUR SUCCESS ALSO-WE'RE NOT TRYING TO BE ALL THINGS TO ALL PEOPLE. WE REALIZE THAT THERE ARE BETTER SERVICE PROVIDERS FOR MANAGING AN ASSET THAN US, BUT THERE'S NO BETTER RESPONSIVE LENDER. THAT'S WHAT WE WANT. " -Sushil Patel Listen to Independent Banker: A Community Banking Podcast from ICBA wherever you get your podcasts or at icba.org/podcast. You can also scan the code below. SCAN ME Next up Episode 16 of the Independent Banker podcast welcomes two of the 2023 Independent Banker 40 Under 40 winners, Ann Buckmiller and Carolyn Watson. They discuss their personal banking achievements and how to attract top talent. independentbanker.org // 67http://www.icba.org/podcast http://www.independentbanker.org