Small bank opportunity Target Perpetual Federal Savings Bank as a small regional bank with a limited employee base and sub-$1M revenue, focusing on cost-effective, scalable IT and security solutions that fit tight budgets and compliance requirements.

Executive leadership Leverage recent executive appointment of Christine Anne Phelps to present tailored governance, risk and assurance offerings, as well as strategic IT partnerships that align with board-level priorities and regulatory controls.

Modernization potential Identify opportunities to upgrade technology stack and web presence using lightweight, compliant web frameworks and analytics to improve customer acquisition, online banking usability, and fraud prevention within a constrained IT footprint.

Security first Position security and compliance services (e.g., recaptcha, fraud mitigation, data privacy) as essential due to the bank’s digital presence and reliance on third-party integrations, aligning with regulated financial services expectations.

Competitive positioning Differentiate with scalable, cost-conscious solutions that enable faster time-to-value and support growth plans against larger peers, while offering personalized service and local market understanding relevant to Urbana, Ohio and similar communities.