Independent Banker - October 2017 - 64

Lender Life
Introducing
SmallBusiness
Smarts
By
William Atkinson
O
Shouldering the burden
In our first Small-Business Smarts column, we ask if it is possible
to succeed in, and even grow, small-business lending despite the
sometimes heavy regulatory burden. The community banks we
spoke to could offer some lessons to those feeling the strain.
ver the past decade,
community banks have
been saddled with
regulations that are
particularly hard-hitting
for small-business lenders. The most
cumbersome regulation for community
banks has been the Dodd-Frank
Act, which was signed into law in
2010. But while many community
banks find it more challenging to lend
to small businesses with Dodd-Frank
in place, others have found ways to
make sure the regulations don't shake
their commitment to serving local
small businesses.
One of these is Howard Bank in
Ellicott City, Md. In response to
Dodd-Frank, the $1 billion-asset bank
has " doubled down " on its commitment
to small businesses, says Mary
Ann Scully, chairman and CEO.
" This is our raison d'être, " she
says. " We have successfully focused
on ensuring that we have both the
capital and access to capital that
small-business lending requires. " As
a result, Howard Bank has grown
its commercial lending consistently
in recent years. " We have invested
in people with strong networks and
even stronger expertise, in systems
that allow us to ensure quick and customized
turnarounds as we grow, and
in product and delivery structures to
ensure extraordinary service, " Scully
says. " Howard has never believed that
regulations should stop us from delivering
on our vision and our mission.
They may make it more expensive,
but that is a challenge we are willing
to face. "
Industry
VOICE
William Atkinson, a longtime
Independent Banker contributor, is
a journalist specializing in banking
and small-business issues.
Another successful small-business
lender is $585 millionasset
Seacoast Commerce
Bank in San Diego, Calif.,
which achieved a ratio of
commercial loans to total
assets of 73.25 percent in
2016 and was named ICBA's
top commercial lender
in its asset class this year.
Its secret? Specialization.
64 ICBA IndependentBanker October 2017
Richard M. Sanborn, president
and CEO, says, " The only thing we
do is SBA 7(a) financing. " Seacoast
entered SBA lending in late 2009,
one year before Dodd-Frank was
introduced. The community bank has
grown every year since, from about
" Howard Bank has never
believed that regulations
should stop us from
delivering on our vision
and our mission. "
-MARY ANN SCULLY,
HOWARD BANK

Independent Banker - October 2017

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

Table of Contents
Independent Banker - October 2017 - Intro
Independent Banker - October 2017 - Cover1
Independent Banker - October 2017 - Cover2
Independent Banker - October 2017 - Table of Contents
Independent Banker - October 2017 - 2
Independent Banker - October 2017 - 3
Independent Banker - October 2017 - 4
Independent Banker - October 2017 - 5
Independent Banker - October 2017 - 6
Independent Banker - October 2017 - 7
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Independent Banker - October 2017 - Cover3
Independent Banker - October 2017 - Cover4
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