ILLINOIS BANKERS ANNUAL CONFERENCE
Les Dinkin, Director, Novantas
Community banks are under siege from economic, regulatory and competitive forces as well as dramatic changes in consumer behaviors and commercial loan margin pressures. This presentation reviews the shifting landscape with recent proprietary consumer research and case studies. It also discusses three initiatives critical for immediate and ongoing success: reducing cost of funds while preparing for rising rates, making tough branch network decisions, and targeting and deepening relationships with small/medium businesses and their owners.