Relationship banking is a competitive advantage.
A banker who knows your business knows which slow months are
normal for your industry. They've seen your last three years. They've met your
bookkeeper. They've been by the shop. When you walk in needing something,
you're not starting from zero. You're continuing a conversation.
Local decisions beat call centers.
A loan decision made by a person who has driven past your storefront is a different decision than one made by an algorithm that hasn't. Local underwriting sees context. The reason the numbers look the way they look in the third quarter every year.
Community banks like Red River Bank make decisions locally
because that's where the business actually is. That's where the loan officer
lives, eats lunch, and runs into your kids at the ball field.
What to ask before you switch.
Three questions are worth asking the bank you're considering.
- Who makes the lending
decision, and where does that person sit?
- How long has my banker
been at the bank?
- When something goes wrong on a Friday at 4:45, who knows you?
The right answers don't sound like a sales pitch. They sound like a name.
All loans are subject to credit approval. Learn more at
www.redriverbank.net. Red River Bank. Member FDIC.
