What are Community Bankers Trust's Business Segments?
Retail and Small Business Banking
The Company markets to consumers in geographic areas around its branch network
not only through existing bricks and mortar, but also with alternative delivery
mechanisms and new product development such as online banking, remote deposit
capture, mobile banking and telephonic banking. In addition, the Company attracts
new customers by making its service through these distribution points convenient.
All of the Company’s existing markets are prime targets for expanding
the consumer side of its business with full loan and deposit relationships,
and the Company has restructured its retail group to accommodate growth. In
addition, the Company is focused on potential growth in new market areas in
which it currently operates loan production offices.
Commercial and Industrial Banking
In the commercial and industrial banking group, the Company focuses on small
to mid-sized business customers who are not targeted by larger banks and for
whom smaller community banks have limited expertise. The Company has an experienced
team with a strong loan pipeline. The typical relationship consists of working
capital lines and equipment loans with the primary deposit accounts of the customer.
Most of these relationships will be new to the Company and create strong and
positive growth potential.
Commercial Real Estate Lending
The Company has historically held a significant concentration in real estate
loans. The current strategy is to manage the existing real estate acquisition,
development and construction loans and add income producing property loans to
the real estate portfolio. The Company originates both owner occupied and non-owner
occupied borrowings where the cash flows provide significant debt coverage for
the relationship.
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