Legacy banks are struggling to transform their brick-and-mortar ecosystems to fit into an increasingly digital world. How do they do it? And more importantly, how do they do it without alienating customers who are accustom to one-on-one interactions?

Those were just a couple of questions addressed by Nika Stelman last week during a panel at the Bank Customer Experience Summit in Chicago.

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Founded in 1999, First Citrus Bank has weathered a recession and tsunami of consolidation in Florida’s banking industry while barely missing a beat. Two decades later, it’s one of the last Tampa-based community banks standing, shepherded through good times and bad by founding CEO Jack Barrett and Chief Banking Officer Jessica Hornof, the latter who started as a teller in 2002 and worked her way up.

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First Citrus Bank has a lot to celebrate in 2019. This year marks the community bank’s 20-year anniversary helping Tampa Bay’s families become more financially secure and businesses more economically successful. In addition to this milestone, First Citrus Bank has recently received local and national recognition.
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