It is recognized as one of the top performing banks in the country.

A member of the Independent Community Bankers of America, The Neffs National Bank in Neffs continues to raise the bar.In the May edition of the publication Independent Banker, The Neffs National Bank is featured as one of the top performing banks in the country based on its Return on Assets for the category of $300 million to $500 million in total assets.According to Kevin A. Schmidt, president and CEO of The Neffs National Bank, the bank's success is the result of a "six-part harmony.""The robust financial performance of The Neffs National Bank last year involved a symphony of six chords working in concert," Schmidt said.He said the bank had continued loan growth supplemented with strong underwriting; its institutional investment portfolio generated strong returns, it promoted its bank and its customer service effectively, it controlled its expenses tightly, and it operates only one location, which helps considerably to control its overhead."On the asset side, our community bank maintains a strong investment portfolio that consistently generates very good yields, and we have been able to continue to grow our commercial loan portfolio," Schmidt said. "On the deposit side, we benefited from the low rate environment."So what exactly is the bank doing to continue its strong performance?• It continues to manage its investment portfolio to achieve strong returns• It maintains conservative lending policies in building our commercial and consumer loan portfolio• It controls its expenses• It continues to provide services its community needs and wants• It promotes the bank through its involvement in the community, which it has done for more than 90 years• It employs great people and customer service staff and directors.For more information on The Neffs National Bank, call 610-767-3875, or visit

www.neffsnatl.com.