A little before ten o’clock in the morning on July 28, 2022, Steve Miller, the CEO of Communities First Financial Corp. and its subsidiary, Fresno First Bank, received an email from someone claiming to be interested in the banking company’s stock. The person had questions and was wondering if Miller had time the next day to answer them. “At first I assumed it was spam,” Miller says, “but there was enough information to know it was a legitimate note.” Miller gets plenty of emails each day but rarely from prospective investors, particularly ones from as far away as Chicago. The...
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John J. Maxfield is a contributor for Bank Director magazine.