Independent Banker - July 2024 - 37

Whether it's navigating
tumultuous markets or
providing employees with
remote work options,
flexibility is a key component
in the success of this year's
ICBA top lenders. These
community banks have
stepped up to thoughtfully
support customers' goals from
application to completion.
AGRICULTURE
DEEP ROOTS
PROVIDE
STABILITY
By Bridget McCrea
Photos by Timothy Park
Jeff Bailey, president and CEO of
$852 million-asset Bank of Eastern
Oregon, says the agricultural sector
is dealing with the " double whammy "
of high infl ation and rising input
costs right now. Crop prices are also
receding and aff ecting profi t margins
+ Methodology
Using FDIC data for 2023, we calculated a
lender score out of 100 for each community
bank. The score combines the average
of the bank's percentile `rank` for lending
concentration and for loan growth over the
past year in each lending category. We then
adjusted each score for loan charge-off s in
each category at certain percentile thresholds.
for U.S. agricultural companies.
" They're getting hit on both sides of
the income statement at this point, "
says Bailey, whose community bank
has 24 locations in eastern Oregon,
southeast Washington and western
Idaho. On a positive note, he says
companies operating in the cattle
sector are " doing fairly well " despite
also being hit hard by higher business
costs. " Cattle prices have remained
pretty strong, " he says.
An agricultural bank since its
origins in 1945, the Bank of Eastern
Oregon is accustomed to rolling
independentbanker.org // 37

Independent Banker - July 2024

Table of Contents for the Digital Edition of Independent Banker - July 2024

Contents
Independent Banker - July 2024 - Cover1
Independent Banker - July 2024 - Cover2
Independent Banker - July 2024 - Contents
Independent Banker - July 2024 - 2
Independent Banker - July 2024 - 3
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Independent Banker - July 2024 - Cover3
Independent Banker - July 2024 - Cover4
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