Seifried & Brew LLC, a community bank risk management firm, named Lamar National Bank in its 2012 Top 15th Percentile of Community Banks. To gain entry into this distinguished ranking, the Bank demonstrated exemplary performance of balancing risk and reward based on the Bank’s S&B Total Risk/Return Composite Ranking. This is no small feat considering that the Bank not only survived the Financial Crisis but actually thrived. This supports Seifried & Brew’s belief that conservative, traditional community banking is the strength of our financial system.
“We are pleased to be recognized for the performance of Lamar National Bank. This is a reflection of our outstanding staff’s adherence to our motto of “Relationship Banking at its Best,” stated Michael Rhodes, President. “There is an intense regulatory burden placed on community banks in a very challenging banking environment. We are proud that despite these challenges we have continued to be considered among the best community banks in the nation.”
In S&B’s newest book, The Art of Capital Planning – The “How-To” Guide, the authors clearly demonstrate that the difference between the banks that failed and those that survived the Financial Crisis, or even those that prospered, was each bank’s ability to optimize risk. While the word “optimize” sounds incongruous with the threats of risk, the truth is that community banks make money from managed risk. Those banks ranking in the 2012 S&B Top 15th Percentile of Community Banks epitomize such optimization of managed risk.