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Today, there are less than 5,000 U.S. banks. In 1990, there were approximately 14,000. Most industry experts believe that there will be fewer than 4,000 in five years and less than 3,200 in 10 years. We understand that changing banks is not easy. When you switch to us, you need to know we are going to be here for you.
There are three primary threats driving the consolidation of banks. First Bank is committed to being an independent, community bank and is well-positioned to manage each of them.
Many banks failed to make management succession plans as leadership teams in the baby-boom generation approached retirement. We developed a solid management succession plan that aligns associate development with First Bank’s future leadership requirements.
Many banks do not have stock ownership and board member succession plans. We built strong stock ownership and board succession plans that are testaments to First Bank’s leadership and our company’s vision.
Many banks cannot keep up with rapidly evolving technology and its related risks. We prepared answers to ever-changing technology and threats that will advance and protect First Bank now and for many years to come.
Given everything that’s happening in our industry, potential clients would be remiss if they did not ask the question, “Are you going to sell your bank?” Our answer is this – we have a very strong vision of where we are going and are committed to being one of the banks that survives and thrives.
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