Brian Love, Head of Banking & Fintech at Travillian, and Mike Higgins, Partner at Mike Higgins & Associates, Inc., examine how community banks are reengineering compensation in the war for talent. As competition for producers intensifies, they break down the shift away from subjective year-end bonus “parades” and toward a “Bank of One” model that treats compensation as a profit-driving strategy rather than a back-office expense.