From her spot behind the teller's counter in the brand new First State Community Bank, Marty McCarty is the first to offer those walking in a smile and a welcome. She said she and her co-workers always strive to "go that extra mile to assist customers. We are very personable. We know our customers and want them to know that we think of them as individuals."
Loan processor Sheryl Langley agreed, describing the bank as having a very friendly atmosphere. "It is not all about fees and services," she said. "It is about customer services - the personal feeling they get here."
The emphasis on personal service, experience and knowing the bank's customers is what drew Rick Adams to First State Community Bank where he now serves as community bank president.
"We are a community bank, not a holding company," Adams said. "We have the ability to make our own decisions as a local community bank."
Presently the bank has some $14 million in deposits. "And that is coming out of a modular building. We expect that to increase dramatically now that we are in our new building," said Adams.
The two-story, 8,500-square foot brick building, located just off the intersection of Main and Malone in Sikeston, features the drive-thru facility, lobby, customer service facilities and loan area downstairs. Upstairs is the board room, employee break room and an area for future expansion.
"It is not an easy task to start a bank from scratch - it is a real challenge. But it is also very exciting," said Adams, who added he was involved in all aspects from site location to design.
"This banking company has made a $2.5 million investment in the future of Sikeston with our building project," he noted.
The bank's nine employees work together to provide a range of banking services. First State Community Bank provides safety deposit boxes, checking (including interest-bearing checking accounts), savings, certificates of deposits, money market accounts and a Christmas Club. Their loan division provides commercial, commercial real estate, residential real estate, personal and automobile loans.
The bank staff is developing special programs for their customers such as the Horizons Club, open to those age 50 and up. The Horizons Club offers a package of banking services with premium products and travel benefits, Adams said.
"In the future we hope to expand into investment services and insurance service as the demand arises," said Adams.
Adams takes pride in not only his 40 years of experience in the banking business but also his staff's extensive banking background. "Our experience level of all the employees affords them the ability and knowledge to understand what a customer's needs are and how to meet them without having to be transferred somewhere else," he said
Joining Adams, McCarty and Langley at the bank are: Becky Wade, branch manager; Marty McCarty, head teller; Sheryl Langley, loan processor; Anna Warf, customer service representative; and tellers, Julie Showmaker, Janet Kay Herron, Ginny Slay and LeeAnn McDowell.
According to Adams, the board which guides local operations is equally concerned about the Sikeston area and its residents. The local board members are: Ron Watkins, president of Food Giant Corporation; Spencer Taylor, president of Construction Trailer Specialists; and Dr. John Leible, a Sikeston dentist; along with Greg Allen, president of First State Bank Corporation; and Bill Cooper, chairman of the First State Bank Corporation.
As branch manager, Wade is constantly monitoring the ongoing daily operations. She praises the attitude of all of those involved at First State Community Bank, from the top echelon on down for promoting the interests of the community and its residents.
This is by far the most caring, wonderful, customer-service oriented bank I have worked for - and I mean that," said Wade. "I'm here because this is home."