Growth via M&A CNB&T's merger plans with Prairie Bank of Kansas and history of regional expansion signal a growth phase with cross-sell potential across lending, deposits, and treasury services as the combined franchise integrates systems and expands its customer base.

Security Leadership The appointment of an Information Security Officer and ongoing cybersecurity focus create opportunities to offer advanced security services, risk assessments, and compliance solutions to CNB&T and its merged entity.

Digital Modernization A tech stack featuring a CDN, bot management, and analytics supports upsell of cloud infrastructure, API gateways, digital banking enhancements, fraud protection, and identity verification to improve customer experience and security.

Community Footprint Strong local engagement and civic leadership position CNB&T as a trusted partner for small businesses and community groups, enabling cross-sell of tailored cash management, merchant services, and nonprofit banking solutions.

Market Expansion Growth opportunities exist in leveraging Wichita market entry and potential Prairie Bank of Kansas clients to expand SMB lending, deposits, and treasury management offerings across a broader geographic footprint.