SEPTEMBERőî Vol. 68, Issue 9 38 True grit Community banks are dedicated to supporting their communities, but some go above and beyond. Meet ICBA's 2018 National Community Bank Service Award winners and hear about the unique ways they're giving back to the places they love features 48 7 ways to keep costs down Efficient spending is a must for any business. Here, community banks offer their best cost-management tips 54 Time and time again Five longstanding community banks reflect on their 125-plus years of success-and share where they're headed next Cover photo: Ken Richardson independentbanker.org Q 1http://www.independentbanker.org