Goal setting, persistence drove retiring president’s success

When Margaret Howard joined the Bank of Wolcott, Ind., in 1967 she was the sixth staff member in a one-location bank. A couple of weeks after she started one colleague retired; about a year later another passed away. Howard, who “came in cold and knew nothing about banking,” was part of a dwindling team and had to learn banking roles that were new to her—in a hurry.

“We’re an independent bank. We don’t have the big father standing up there passing things down to us,” Howard said. The only thing to do was what had to . . .

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