Construction Financing Recent Fetters Construction partnership signals a healthy demand for project-based lending. Position Bippus State Bank to grow commercial lending with contractors and developers, including construction loans, equipment financing, and SBA-backed options, complemented by treasury and merchant services for project customers.

Mortgage Growth The bank is recognized for mortgage loans, presenting an opportunity to expand origination, refinancing, and home equity products. Propose targeted campaigns to local homeowners and real estate professionals, with streamlined digital onboarding and servicing.

Community Partnerships Active support for Huntington University Foundation and local philanthropic efforts creates avenues for nonprofit banking, donor management services, and sponsored programs. Cross-sell nonprofit checking, grant management, and community sponsorship packages.

Digital & Security Active use of Google Ads tracking, Tag Manager, and Search Console indicates mature digital channels. Leverage opportunities for advanced marketing services, website security hardening, and analytics-driven decision support for local SMBs and nonprofit clients.

Local SMB Growth With multiple Indiana branches and a focus on independent community banking, there is potential to expand SMB banking—checking, savings, lines of credit, merchant services, and cash management—targeting small businesses, startups, and local associations across Huntington, North Manchester, Roanoke, and Warren.