Pros
The branch staff is generally a group of great people that care about their branch,customers and their communities. They seek the do the right thing for the customer.
Cons
Since the attempted takeover by the activist shareholder, this company has fallen apart. This was a good company, ran by great people who were well liked from top to bottom of the organization. They recognized the bank was built on community banking and embraced it. Since then, much of the executive management has been let go or reassigned, being replaced with process and profit driven big-bank folks who only care about the bottom line. Budgets across the board have been cut, a number of employees have been layed-off or just not replaced thru attrition. This results in branches and back office departments running at a barely functional level with no plan to remedy, many times the situation isn't even addressed. It is the opinion of many the shareholder situation opened their eyes to how much money could be made by selling to a larger bank, so they are making the company as lean as possible to boost profits and be as attractive as possible to potential bidders. In conclusion, they have little idea of where they are going and no idea how to get there. It's a shame that a great bank has fallen so far.