Independent Banker - July 2020 - 39

First National Bank of Ottawa's board of directors includes (front row, left to right) vice-chairwoman Lynn Dubajic; chairman William Walsh Jr.;
director, president and CEO Steven Gonzalo; director and bank board chairman Daniel Miller; and director John Cantlin. Back row: director
Bradley Armstrong; director Donald Harris; director and executive officer Joseph Chiariello; and director Brian Zabel.
was a founder, and Chiariello was
a division head at that bank. After
American Chartered Bank merged
with MB Financial in 2016, Miller and
Chiariello realized they wanted to get
involved in another bank to carry on
their C&I lending.
" We felt First National Bank was
small enough to be open to change,
but big enough to be a platform for
what we needed to do, " Miller says.
" Most importantly, the board was
open to what we wanted to do. "
Their objective was to transform
First National from primarily an
agricultural and commercial and
residential real estate lender in its
central Illinois community into a
significant C&I lender in the western
suburbs of Chicago, which is about
80 miles northeast of Ottawa. The
vehicles for that change were their
strong client relationships.
" The idea was that the middle
market in Chicago for C&I loans had
been underserviced, " Gonzalo
Commercial: $1 billion or more
Rank
Bank name
1
2
3
4
5
6
7
8
9
10
11
12
13
14
15
16
17
18
19
20
First Keystone Community Bank
Vinton County National Bank
The Fidelity Deposit and Discount Bank
Main Street Bank
Texas Regional Bank
First Bank & Trust
The State Bank and Trust Company
Saco & Biddeford Savings Institution
The State Bank
Beneficial State Bank
Opportunity Bank of Montana
Guaranty Bank and Trust Company
Citizens National Bank, N.A.
The Old Point National Bank of Phoebus
Ponce Bank (MHC)
Northfield Savings Bank
Bank of Putnam County
The Park Bank
Santa Cruz County Bank
Armed Forces Bank, National Association
City
Berwick
McArthur
Dunmore
Marlborough
Harlingen
Sioux Falls
Defiance
Saco
Fenton
Oakland
Helena
Belzoni
Bossier City
Hampton
Bronx
Barre
Cookeville
Madison
Santa Cruz
Kansas City
State
PA
OH
PA
MA
TX
SD
OH
ME
MI
CA
MT
MS
LA
VA
NY
VT
TN
WI
CA
MO
Commercial
Lender Score
61.1
48.2
50.3
45.9
68.4
66.8
74.1
30.3
88.2
66.1
83.9
87.7
65.3
51.8
42.0
52.5
73.1
85.7
92.6
70.1
independentbanker.org Q 39

http://www.independentbanker.org

Independent Banker - July 2020

Table of Contents for the Digital Edition of Independent Banker - July 2020

Table of Contents
Independent Banker - July 2020 - Intro
Independent Banker - July 2020 - Cover1
Independent Banker - July 2020 - Cover2
Independent Banker - July 2020 - Table of Contents
Independent Banker - July 2020 - 2
Independent Banker - July 2020 - 3
Independent Banker - July 2020 - 4
Independent Banker - July 2020 - 5
Independent Banker - July 2020 - 6
Independent Banker - July 2020 - 7
Independent Banker - July 2020 - 8
Independent Banker - July 2020 - 9
Independent Banker - July 2020 - 10
Independent Banker - July 2020 - 11
Independent Banker - July 2020 - 12
Independent Banker - July 2020 - 13
Independent Banker - July 2020 - 14
Independent Banker - July 2020 - 15
Independent Banker - July 2020 - 16
Independent Banker - July 2020 - 17
Independent Banker - July 2020 - 18
Independent Banker - July 2020 - 19
Independent Banker - July 2020 - 20
Independent Banker - July 2020 - 21
Independent Banker - July 2020 - 22
Independent Banker - July 2020 - 23
Independent Banker - July 2020 - 24
Independent Banker - July 2020 - 25
Independent Banker - July 2020 - 26
Independent Banker - July 2020 - 27
Independent Banker - July 2020 - 28
Independent Banker - July 2020 - 29
Independent Banker - July 2020 - 30
Independent Banker - July 2020 - 31
Independent Banker - July 2020 - 32
Independent Banker - July 2020 - 33
Independent Banker - July 2020 - 34
Independent Banker - July 2020 - 35
Independent Banker - July 2020 - 36
Independent Banker - July 2020 - 37
Independent Banker - July 2020 - 38
Independent Banker - July 2020 - 39
Independent Banker - July 2020 - 40
Independent Banker - July 2020 - 41
Independent Banker - July 2020 - 42
Independent Banker - July 2020 - 43
Independent Banker - July 2020 - 44
Independent Banker - July 2020 - 45
Independent Banker - July 2020 - 46
Independent Banker - July 2020 - 47
Independent Banker - July 2020 - 48
Independent Banker - July 2020 - 49
Independent Banker - July 2020 - 50
Independent Banker - July 2020 - 51
Independent Banker - July 2020 - 52
Independent Banker - July 2020 - 53
Independent Banker - July 2020 - 54
Independent Banker - July 2020 - 55
Independent Banker - July 2020 - 56
Independent Banker - July 2020 - 57
Independent Banker - July 2020 - 58
Independent Banker - July 2020 - 59
Independent Banker - July 2020 - 60
Independent Banker - July 2020 - 61
Independent Banker - July 2020 - 62
Independent Banker - July 2020 - 63
Independent Banker - July 2020 - 64
Independent Banker - July 2020 - 65
Independent Banker - July 2020 - 66
Independent Banker - July 2020 - 67
Independent Banker - July 2020 - 68
Independent Banker - July 2020 - 69
Independent Banker - July 2020 - 70
Independent Banker - July 2020 - 71
Independent Banker - July 2020 - 72
Independent Banker - July 2020 - Cover3
Independent Banker - July 2020 - Cover4
https://www.nxtbook.com/mspc/independentbanker/november2024
https://www.nxtbook.com/mspc/independentbanker/october2024
https://www.nxtbook.com/mspc/independentbanker/september2024
https://www.nxtbook.com/mspc/independentbanker/august2024
https://www.nxtbook.com/mspc/independentbanker/july2024
https://www.nxtbook.com/mspc/independentbanker/june2024
https://www.nxtbook.com/mspc/independentbanker/may2024
https://www.nxtbook.com/mspc/independentbanker/april2024
https://www.nxtbook.com/mspc/independentbanker/march2024
https://www.nxtbook.com/mspc/independentbanker/february2024
https://www.nxtbook.com/mspc/independentbanker/january2024
https://www.nxtbook.com/mspc/independentbanker/december2023
https://www.nxtbook.com/mspc/independentbanker/november2023
https://www.nxtbook.com/mspc/independentbanker/october2023
https://www.nxtbook.com/mspc/independentbanker/september2023
https://www.nxtbook.com/mspc/independentbanker/august2023
https://www.nxtbook.com/mspc/independentbanker/july2023
https://www.nxtbook.com/mspc/independentbanker/june2023
https://www.nxtbook.com/mspc/independentbanker/may2023
https://www.nxtbook.com/mspc/independentbanker/april2023
https://www.nxtbook.com/mspc/independentbanker/march2023
https://www.nxtbook.com/mspc/independentbanker/february2023
https://www.nxtbook.com/mspc/independentbanker/january2023
https://www.nxtbook.com/mspc/independentbanker/december2022
https://www.nxtbook.com/mspc/independentbanker/november2022
https://www.nxtbook.com/mspc/independentbanker/october2022
https://www.nxtbook.com/mspc/independentbanker/september2022
https://www.nxtbook.com/mspc/independentbanker/august2022
https://www.nxtbook.com/mspc/independentbanker/july2022
https://www.nxtbook.com/mspc/independentbanker/june2022
https://www.nxtbook.com/mspc/independentbanker/may2022
https://www.nxtbook.com/mspc/independentbanker/april2022
https://www.nxtbook.com/mspc/independentbanker/march2022
https://www.nxtbook.com/mspc/independentbanker/february2022
https://www.nxtbook.com/mspc/independentbanker/january2022
https://www.nxtbook.com/mspc/independentbanker/december2021
https://www.nxtbook.com/mspc/independentbanker/november2021
https://www.nxtbook.com/mspc/independentbanker/october2021
https://www.nxtbook.com/mspc/independentbanker/september2021
https://www.nxtbook.com/mspc/independentbanker/august2021
https://www.nxtbook.com/mspc/independentbanker/july2021
https://www.nxtbook.com/mspc/independentbanker/june2021
https://www.nxtbook.com/mspc/independentbanker/may2021
https://www.nxtbook.com/mspc/independentbanker/april2021
https://www.nxtbook.com/mspc/independentbanker/march2021
https://www.nxtbook.com/mspc/independentbanker/february2021
https://www.nxtbook.com/mspc/independentbanker/january2021
https://www.nxtbook.com/mspc/independentbanker/december2020
https://www.nxtbook.com/mspc/independentbanker/november2020
https://www.nxtbook.com/mspc/independentbanker/october2020
https://www.nxtbook.com/mspc/independentbanker/september2020
https://www.nxtbook.com/mspc/independentbanker/august2020
https://www.nxtbook.com/mspc/independentbanker/july2020
https://www.nxtbook.com/mspc/independentbanker/june2020
https://www.nxtbook.com/mspc/independentbanker/may2020
https://www.nxtbook.com/mspc/independentbanker/april2020
https://www.nxtbook.com/mspc/independentbanker/march2020
https://www.nxtbook.com/mspc/independentbanker/february2020
https://www.nxtbook.com/mspc/independentbanker/january2020
https://www.nxtbook.com/mspc/independentbanker/december2019
https://www.nxtbook.com/mspc/independentbanker/november2019
https://www.nxtbook.com/mspc/independentbanker/october2019
https://www.nxtbook.com/mspc/independentbanker/september2019
https://www.nxtbook.com/mspc/independentbanker/august2019
https://www.nxtbook.com/mspc/independentbanker/july2019
https://www.nxtbook.com/mspc/independentbanker/june2019
https://www.nxtbook.com/mspc/independentbanker/may2019
https://www.nxtbook.com/mspc/independentbanker/april2019
https://www.nxtbook.com/mspc/independentbanker/march2019
https://www.nxtbook.com/mspc/independentbanker/february2019
https://www.nxtbook.com/mspc/independentbanker/january2019
https://www.nxtbook.com/mspc/independentbanker/december2018
https://www.nxtbook.com/mspc/independentbanker/november2018
https://www.nxtbook.com/mspc/independentbanker/october2018
https://www.nxtbook.com/mspc/independentbanker/september2018
https://www.nxtbook.com/mspc/independentbanker/august2018
https://www.nxtbook.com/mspc/independentbanker/july2018
https://www.nxtbook.com/mspc/independentbanker/june2018
https://www.nxtbook.com/mspc/independentbanker/may2018
https://www.nxtbook.com/mspc/independentbanker/april2018
https://www.nxtbook.com/mspc/independentbanker/march2018
https://www.nxtbook.com/mspc/independentbanker/february2018
https://www.nxtbook.com/mspc/independentbanker/january2018
https://www.nxtbook.com/mspc/independentbanker/december2017
https://www.nxtbook.com/mspc/independentbanker/november2017
https://www.nxtbook.com/mspc/independentbanker/october2017
https://www.nxtbook.com/mspc/independentbanker/september2017
https://www.nxtbook.com/mspc/independentbanker/august2017
https://www.nxtbook.com/mspc/independentbanker/july2017
https://www.nxtbook.com/mspc/independentbanker/june2017
https://www.nxtbook.com/mspc/independentbanker/may2017
https://www.nxtbook.com/mspc/independentbanker/april2017
https://www.nxtbookmedia.com