Independent Banker - October 2021 - 20

PORTFOLIO
◎FOCUS LENDING
Serving those who serve
Community banks operate on a majority of the country's military installations.
Given their selfless service, active-duty personnel rely on community banks
that understand their unique needs. By Judith Sears
Under Larry Wilson's
leadership, First Arkansas
Bank and Trust's branch on
the Little Rock Air Force
Base was named the 2020
Air Force Bank of the Year.
C
ommunity banks comprise more
than two-thirds of the 66 banks
operating on U.S. military installations,
and these banks " punch above their
weight, " according to Steven Lepper,
president and CEO of the Association
of Military Banks of America (AMBA).
He says when branches of the military
name a bank of the year, it's often a
community bank.
" Community banks tailor their
approach to their community, and
on military installations, that's their
community, " Lepper says. " They get
to know their military customers in
far greater detail than the larger [offbase]
banks. "
There's no doubt that the military
community has unique financial
needs. " You [might] move every two
or three years, and sometimes you
get a lot of notice and sometimes
you don't, " says Jodi M. Vickery,
executive vice president of Armed
Forces Bank and the spouse of a
retired soldier.
With 27 branches on military
installations, $1.2 billion-asset
Armed Forces Bank is the largest
on-installation bank in the country.
Its branches at Joint Base LewisMcChord
and Great Lakes Naval
Base were the recipients of Army
20 Q ICBA Independent Banker Q October 2021
Photo: Dero Sanford

Independent Banker - October 2021

Table of Contents for the Digital Edition of Independent Banker - October 2021

Table of Contents
Independent Banker - October 2021 - Intro
Independent Banker - October 2021 - Cover1
Independent Banker - October 2021 - Cover2
Independent Banker - October 2021 - Table of Contents
Independent Banker - October 2021 - 2
Independent Banker - October 2021 - 3
Independent Banker - October 2021 - 4
Independent Banker - October 2021 - 5
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Independent Banker - October 2021 - Cover3
Independent Banker - October 2021 - Cover4
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