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In 1998, when I was in my early 20s, I started my career in community banking. I did so because while growing up in Montana, I was able to witness the vital role community banks play in ensuring the financial health of Montana’s small businesses and communities. Some 25 years later, I currently have the honor of serving as President of the Montana Independent Bankers Association (MIB), the only state association that solely represents the interests of locally owned community banks chartered in Montana. The business model of these banks has been...