challenges, from the pandemic’s financial fallout to fluctuating interest rates. For agricultural producers, these pressures are compounded by the cyclical nature of the industry itself. “You have to make good decisions based on the circumstances that you’re in,” Cearley says. “We’re in a situation now economically where a lot of our production from an ag standpoint is not really profitable, but we’re coming through a period of time where it was extremely profitable.” Cearley encourages clients to plan for these cycles, maintaining liquidity during prosperous times so they are prepared for downturns. This approach has helped many Centera Bank customers weather recent challenges and emerge in a stronger position for the future. A CAREER ROOTED IN COMMUNITY Cearley’s connection to Centera Bank runs deep. He grew up in the same town where the bank is 123 BUSINESS VIEW MAGAZINE VOLUME 12, ISSUE 10 CENTERA BANK
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