Southern Bank | New Main Office

Southern Bank Looks to the Future in its New Main Office Only 15 years ago, Southern Bank was a small community bank with less than $150 million in assets. Today, the Poplar Bluff, MO bank is approaching $1.5 billion via 35 branches across two states. Growth puts pressure on the main office, as discussed in previous […]

Read More

Interest Rates, Loans & Earnings Oh My…My Headcount is Growing!

Headcount increase on the horizon for growing banks and credit unions Over the last 18 months both the FDIC and NCUA are reporting that loan growth for banks and credit unions are at levels only known before the great recession. Furthermore, thanks to the recent moves by the Federal Reserve, interest rates are increasing for the first […]

Read More

Business Case for Branching in a FinTech World

Business Case

Consumers strongly desire branches. Doing it well drives performance. Measuring is key for improvement.  In today’s consumer-centric world, change is constant. In fact, the only thing that doesn’t change is change. However, if we can quantify the change, then we can measure, and improve. If you build it, they may not come. The world of branch […]

Read More

Branch Cost and Change Orders. Please, stop the Madness!

The battle to lower branch costs begins earlier than you think. There is probably no more despised phrase in all of construction than “change order”. The phrase solicits thoughts of pain and suffering beyond measure. Imagine Dante’s Inferno, Nails on a Chalkboard, or Crying Babies on an all-day flight to nowhere! Maybe I went over the […]

Read More

Core Philosophy

Over the last 13 years we have partnered with hundreds of FIs to help them grow and improve performance. Our company is built on a continuum of five levels of service that exist in every financial facility project (Strategic Consulting, Real Estate, Design, Construction and Branding).  The power of LEVEL5 is the integration of these services […]

Read More