2019 Journal of Community Bank Case Studies

2019 COMMUNITY BANK CASE STUDY COMPETITION 2019 CO MUNITY BANK CASE STUDY COMPETITION

1 ST PLACE

Juniata College ‘Too Big to Fail’ ‘Too Small to Succeed’ and the ‘Piggy (Bank) in the Middle’

Students: David Hibner Katherine Migatulski Wyatt Page Matthew Schaeffer Faculty Advisor: Dr. Sinéad Gallagher

Background Kish Bancorp, Inc. is headquartered in Belleville, a small town of fewer than 2,000 residents in the Kishacoquillas Valley, known locally as Kish Valley after which the company was named. Kish, the banking subsidiary of Kish Bancorp, Inc., was formed in 1935 through the merger of Farmers National Bank of Belleville and The Belleville National Bank, both of which can be traced back to the early 20th century. For almost 120 years, Kish and its predecessors have been a vital part of the communities they serve in central Pennsylvania and the surrounding areas. From modest beginnings, Kish is now a high preforming and fast growing community bank with 16 offices throughout Centre, Huntingdon, and Mifflin Counties. It serves a potential population of approximately 250,000 people and has total assets of over $850 million. The success of the bank seems to result from a steadfast commitment to its client centric business model and embracing change to better serve its client base. These areas are the key drivers and focus of the

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