2023 Community Bank Case Study Competition Journal

Executive Summaries

University of Tennessee at Martin C ommercial Bank and Trust Company (CBTC or the bank) is a community bank founded on principles of trust and unrivaled client service for the communities and clients that it serves. This case study was organized after collecting information from communicating with CBTC executives, learning from experienced community bankers, interviewing CBTC clients, and reviewing online articles and websites. This case study will contain information regarding: (1) financial analysis of CBTC, (2) aspects of staffing a community bank, and (3) employee training and technological development at CBTC. Based on cooperation between the student team and CBTC executives, this case study concludes: (1) CBTC’s financial success is due, in part, to its strategic focus in capitalizing on diverse revenue streams, (2) One of CBTC’s previous challenges, and a core component of future success, is the bank’s need to succeed its previous, experienced

executive team, and (3) the hiring of the current Chief Information Technology Officer, Scott Freschi, led to the technological development of CBTC in recent years. Freschi will continue to play a critical role in the future technological success of the bank as CBTC continues to work and strive to build a financially stable community around the bank.

Commercial Bank and Trust Company is a community bank founded on principles of trust and unrivaled client service for the communities and clients that it serves.

1