Growth momentum Opportunity to align with Paper City Savings Bank’s expansion trajectory, including a new branch and a dedicated commercial lending division, to expand our cross-sell of local SME banking solutions such as treasury management, SBA/term loans, and cash flow optimization.

Leadership transition A new President/CEO appointed in April 2026 signals strategic realignment and potential openness to new partnerships, digital transformation initiatives, and reformulated vendor relationships.

Tech enabled banking The bank emphasizes technology alongside personal service and maintains a modern web stack (PWA, PHP, jQuery). This suggests a receptiveness to fintech integrations, digital onboarding, and cybersecurity services.

Mid market focus With revenue in the 25-50M range and 11-50 employees, Paper City Savings targets mid-sized local businesses which offers opportunities for cash management, merchant services, and specialized lending solutions.

Local prominence Strong community ties and regional recognition as Large Business of the Year, plus recent office expansion, indicate value in localized marketing partnerships, community sponsorship platforms, and regional business networking services.