JANUARY 2025 Vol. 75, Issue 1 FEATURES 36 Community Bank CEO Outlook 2025 Things are looking very diff erent from our last survey in 2022. Compare your priorities and strategies for this year with your peers'. 46 Paths to growth Even if an IPO isn't right for your community bank, could trading on the over-the-counter markets help meet your liquidity needs? 52 Is it time for an org chart revamp? Evaluating your bank's team structure can ensure your staff is working eff iciently, you're built for innovation, and career development is a priority. 46 Cover: Illustration by Jonny Wan independentbanker.org // 1 52 36http://www.independentbanker.org