Independent Banker - November 2022 - 51

Community banks with deep roots and pride in their Native
American heritage are committed to providing financial
assistance, housing aid, lending and educational outreach
to underserved tribal communities across the United States.
BY ED AVIS * PHOTOS BY TERRENCE JONES
SUPPORTING
NATIVE
COMMUNITIES
T
he per capita income of residents of the Pine Ridge Reservation in
South Dakota is about $7,800, a staggering 57% below the national
average, according to data from the Federal Reserve Bank of
Minneapolis. Similarly, the unemployment rate far exceeds national
averages, and the high school graduation rate of Native Americans in
South Dakota is less than 50%.
It's no surprise, then, that the mission of Native American Bank, which serves
customers on the Pine Ridge Reservation and in many other parts of the country,
extends deeply into job creation, business financing and financial literacy.
" We have to really be diligent about our
marketing efforts ... to get that message
out that we're a bank for everyone. We're
locally owned,we're Native owned, we're
proud of who we are, but we're a bank
for everybody. "
- Kyle Chavis, Lumbee Guaranty Bank
" If you look at where we do
business and where we go,
it's some of the poorest areas
of the country, " notes Tom
Ogaard, president and CEO
of $230 million-asset Native
American Bank, which is
headquartered in Denver. " The
challenges that various tribal
governments and tribal nations
face are devastating for some
and very challenging for others.
" Part of our work is to
provide not just economic
diversity but also to create jobs
and sustain jobs. Along with that goes financial literacy and other types of support that
we can provide so individuals and entities can get comfortable working with a bank. "
Native American Bank is one of a handful of ICBA member banks that provide
financial assistance to Native Americans and the institutions that serve them. Often,
these community banks serve the community at large as well, but they are rooted in
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Independent Banker - November 2022

Table of Contents for the Digital Edition of Independent Banker - November 2022

Table of Contents
Independent Banker - November 2022 - Intro
Independent Banker - November 2022 - Cover1
Independent Banker - November 2022 - Cover2
Independent Banker - November 2022 - Table of Contents
Independent Banker - November 2022 - 2
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