Mergers opportunity Potential cross-sell and integration services following the 2022 merger with HomeTrust Bank, with a focus on onboarding and consolidating banking services for customers of both entities.

Community focus Locally owned and operated with multiple office locations, presenting a sales angle for small business banking, local SBA lending, and cash management services tailored to community businesses.

SMB finance Revenue in the 10–25 million range and employee count in the tens suggest upsell potential in commercial banking, payroll solutions, and remote deposit capture for mid-market small businesses.

Tech footprint Existing technology stack includes cloud services and security features; opportunities exist to modernize customer-facing digital banking, strengthen cyber hygiene offerings, and promote digital cash management.

Growth readiness As a lender with SBA capabilities and a regional footprint, there is potential to partner on SBA loan programs, underserved business segments, and targeted financial products aligned to local markets.