Independent Banker - July 2024 - 41

Rank Bank name
1
2
3
4
5
6
7
8
9
" We take the time
to understand our
customers and see how
is it that we can help
make sense of the story
and see if there's a fit. "
-AKBAR RIZVI, SPRING BANK
(pictured above, right, with a customer)
10
11
12
13
14
15
16
17
18
19
20
Commercial: Less than $300M in assets
City
Republic Bank of Arizona
State Bank
Neighborhood National Bank
Currency Bank
BANK
Embassy National Bank
Millennial Bank
New Haven Bank
VisionBank
Sherburne State Bank
Grand Rivers Community Bank
One World Bank
The Idabel National Bank
Huron Valley State Bank
Granite Bank
The Bank Of Kaukauna
Eagle Rock Bank
Native American Bank,
National Association
Tri-County Bank & Trust Company
Drake Bank
Phoenix
Rock Springs
National City
Oak Grove
Wapello
Lawrenceville
Leeds
New Haven
Saint Louis Park
Becker
Grand Chain
Dallas
Idabel
Milford
Cold Spring
Kaukauna
Rochester
Denver
Roachdale
Saint Paul
State
AZ
WY
CA
LA
IA
GA
AL
CT
MN
MN
IL
TX
OK
MI
MN
WI
MN
CO
IN
MN
97.0
97.0
95.5
94.7
94.0
93.9
93.6
93.0
93.0
92.2
91.8
91.8
91.3
90.9
90.9
90.5
90.3
90.3
90.1
90.1
Commercial
lender score
community bank. " I can tell you
fi rsthand that our clients and
customers are not borrowers that fi t
into checkboxes. We take the time
to understand our customers and
see how is it that we can help make
sense of the story and see if there's
a fi t. We're not afraid to roll up our
sleeves and get into the weeds in
terms of what the request is. "
For example, when a jazz lounge
without a solid cash fl ow asked for
fi nancing, Rizvi looked hard at the
proprietor and the property and
decided the risk was worthwhile.
COVID-19 almost devastated the
business, but Spring Bank stood by it.
" Now, that business is thriving, "
Rizvi says. " It's doing better
numbers today than it did before
the pandemic. "
According to Rizvi, Spring Bank
has succeeded because its staff keeps
an open mind. " Our team loves what
we do, and we treat our teammates
Rank Bank name
1
2
3
4
5
6
7
8
9
10
11
12
13
15
16
17
18
19
Commercial: $300M to $1B in assets
City
First Bank of the Lake
GBank
OptimumBank
M1 Bank
Capital Community Bank
Barwick Banking Company
Spring Bank
Mission Valley Bank
Mountain Pacific Bank
Bank of Commerce
Oxford Bank
Sovereign Bank
West Town Bank & Trust
14 Western Bank
Merit Bank
The Northwestern Bank
Providence Bank
The Fahey Banking Company
CNB Bank
20
Asian Bank
Osage Beach
Las Vegas
Ft. Lauderdale
Clayton
Pleasant Grove
Barwick
Bronx
Sun Valley
Everett
Duncan
Oxford
Shawnee
North Riverside
Lubbock
Huntsville
Chippewa Falls
Rocky Mount
Marion
Carlsbad
Philadelphia
State
MO
NV
FL
MO
UT
GA
NY
CA
WA
OK
MI
OK
IL
TX
AL
WI
NC
OH
NM
PA
Commercial
lender score
99.5
97.9
97.2
95.6
94.2
93.2
91.9
91.7
91.7
91.0
90.9
90.8
90.6
90.4
90.2
89.8
89.7
89.6
89.6
89.5
independentbanker.org // 41/

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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
Independent Banker - July 2024 - 4
Independent Banker - July 2024 - 5
Independent Banker - July 2024 - 6
Independent Banker - July 2024 - 7
Independent Banker - July 2024 - 8
Independent Banker - July 2024 - 9
Independent Banker - July 2024 - 10
Independent Banker - July 2024 - 11
Independent Banker - July 2024 - 12
Independent Banker - July 2024 - 13
Independent Banker - July 2024 - 14
Independent Banker - July 2024 - 15
Independent Banker - July 2024 - 16
Independent Banker - July 2024 - 17
Independent Banker - July 2024 - 18
Independent Banker - July 2024 - 19
Independent Banker - July 2024 - 20
Independent Banker - July 2024 - 21
Independent Banker - July 2024 - 22
Independent Banker - July 2024 - 23
Independent Banker - July 2024 - 24
Independent Banker - July 2024 - 25
Independent Banker - July 2024 - 26
Independent Banker - July 2024 - 27
Independent Banker - July 2024 - 28
Independent Banker - July 2024 - 29
Independent Banker - July 2024 - 30
Independent Banker - July 2024 - 31
Independent Banker - July 2024 - 32
Independent Banker - July 2024 - 33
Independent Banker - July 2024 - 34
Independent Banker - July 2024 - 35
Independent Banker - July 2024 - 36
Independent Banker - July 2024 - 37
Independent Banker - July 2024 - 38
Independent Banker - July 2024 - 39
Independent Banker - July 2024 - 40
Independent Banker - July 2024 - 41
Independent Banker - July 2024 - 42
Independent Banker - July 2024 - 43
Independent Banker - July 2024 - 44
Independent Banker - July 2024 - 45
Independent Banker - July 2024 - 46
Independent Banker - July 2024 - 47
Independent Banker - July 2024 - 48
Independent Banker - July 2024 - 49
Independent Banker - July 2024 - 50
Independent Banker - July 2024 - 51
Independent Banker - July 2024 - 52
Independent Banker - July 2024 - 53
Independent Banker - July 2024 - 54
Independent Banker - July 2024 - 55
Independent Banker - July 2024 - 56
Independent Banker - July 2024 - 57
Independent Banker - July 2024 - 58
Independent Banker - July 2024 - 59
Independent Banker - July 2024 - 60
Independent Banker - July 2024 - 61
Independent Banker - July 2024 - 62
Independent Banker - July 2024 - 63
Independent Banker - July 2024 - 64
Independent Banker - July 2024 - 65
Independent Banker - July 2024 - 66
Independent Banker - July 2024 - 67
Independent Banker - July 2024 - 68
Independent Banker - July 2024 - 69
Independent Banker - July 2024 - 70
Independent Banker - July 2024 - 71
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Independent Banker - July 2024 - 73
Independent Banker - July 2024 - 74
Independent Banker - July 2024 - 75
Independent Banker - July 2024 - 76
Independent Banker - July 2024 - Cover3
Independent Banker - July 2024 - Cover4
https://www.nxtbook.com/mspc/independentbanker/december2024
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
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