PORTFOLIO Deep dives into topics that matter to community banks The First State Bank president Wayne Montgomery (center) meets with ag customers at their farm. " [The First State Bank has a] very small base of local deposits to grow from. " -WAYNE MONTGOMERY, THE FIRST STATE BANK Turn the page to learn about the challenges that come with ag lending. Photo: Zach Lucero independentbanker.org // 15http://www.independentbanker.org