Community banking has long been a closed culture. Trainees are taught to do things a bank's way, and thus a fixed pattern is often passed on from generation to generation. These new people generally come from other banks - frequently the correspondents that serve them.

Yet if you look at the banks that have made their mark and truly changed the industry, you find that many have been led by nonbankers, people who had the perspective, experience, and backbone to question long-standing policies.

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