Independent Banker - May 2017 - 84

15
minutes with ...
KENNY MARTIN
Former president of First Bank of Lincoln in Lincoln, Mont., and
now market manager for the $689 million-asset
Citizens Alliance Bank
IB: Tell us about your early career.
Martin: I was running back at William & Mary during
the early 1980s. After graduation, I coached football
there for three seasons but then decided to get into
banking. I was manager of the retail mortgage banking
operations for several banks, which were all acquired
by Chase. I left because I didn't like the big bank culture,
and worked for a smaller mortgage company.
IB: Why did you move to Montana?
Martin: My wife and I had come here for vacation
and fell in love with it. We bought a guest ranch, but
it only took me two years to fi gure out that it wasn't
a good idea for us. It was a great lifestyle, but there
was just a lot of competition from a lot of other
guest ranches.
IB: What led you to First Bank of Lincoln?
Martin: I had an account there, and one day the
chairman of the board said he had heard I had been in
banking and wanted to know if I wanted to get back
into it. I was hired as a lender in 2003, and then about
a year later I was named president after the former
one retired.
Quick facts
» Kenny Martin, a former
football coach at the
College of William &
Mary, went to Montana
on vacation and ended
up president of First
Bank of Lincoln.
» In 2016, the bank
was sold to Citizens
Alliance Bank of Clara
City, Minn.
IB: What did you like about being the head of
a small bank?
Martin: I was steering the ship, and it was fun. When
I started, we had about $9 million in assets, but now
we have close to $30 million. We couldn't have grown
like that if we hadn't been bought by Citizens Alliance
Bank, which gave us a much larger lending limit. I now
make loans all over western Montana, including participation
loans with other banks I know from when I
was an offi cer for the Montana Independent Bankers.
Lincoln is a town of 1,000 at the base of the Rocky
Mountains, and it's an outdoor recreational town for
mountain hiking, hunting and fi shing trips. We also
still have plenty of ranchers. I enjoy the small town
environment; I ride horses with my customers and
have helped them calve and ship. I know pretty much
everyone in town, and we try to help people as much
as we can.
-Katie Kuehner-Hebert
PHOTO: TOM ROBERTSON

Independent Banker - May 2017

Table of Contents for the Digital Edition of Independent Banker - May 2017

Table of Contents
Independent Banker - May 2017 - Intro
Independent Banker - May 2017 - Cover1
Independent Banker - May 2017 - Cover2
Independent Banker - May 2017 - Table of Contents
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Independent Banker - May 2017 - Cover3
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