You can't have a good team and a bad coaching staff.
1. Antiquated products. They follow, never lead, and take their time doing it. 2. Lack of talent. Most Regional Presidents are former Commercial Lenders, who don't understand the bank's heart is the branches, not the other way around. 3. Revenue sources will continue to dwindle. Service charges will be flat, loan income will decline as a result of stricter lending guidelines.