SEPTEMBER 2022 Vol. 72, Issue 9 FEATURES 42 Leading by example ICBA's 2022 National Community Bank Service Award winners are recognized for their extraordinary efforts in volunteerism and giving back 50 There through thick and thin Community banks stand by their ag customers, providing support despite numerous industry challenges 56 Custom-made community banking How three community banks tailor their products and services to all customers, not just their neighborhood demographics 50 Cover: Photo by Olivier Koning 56 independentbanker.org Q 1 42http://www.independentbanker.org