Q and A withCoty Grissom
2025-2026 Young Bankers Division Chairman
Vice President, Loan Officer
Homeland Community Bank
McMinnville
Coty Grissom is a loan officer with Homeland Community Bank in McMinnville and has served as branch manager of the Woodbury location for the past four years. He has more than 12 years of experience in the banking industry. Coty holds a Bachelor of Business Administration in Finance from Middle Tennessee State University, and he is a 2022 graduate of the Graduate School of Banking at Louisiana State University. He lives in Morrison with his wife, Shea, and their two daughters, Josie and Maddie. Coty enjoys spending time with his family, playing golf, and cheering on the Tennessee Volunteers.
What inspired you to become involved with the Young Bankers Division, and what motivated you to pursue a leadership role within the organization?
My bank leadership encouraged me to get involved with the Young Bankers Division, and I’m truly grateful they did. It has been an honor to serve on the board over the past few years. I’ve thoroughly enjoyed being part of such a supportive and engaging organization. From the very beginning, I appreciated the welcoming environment the Division offered. Over the past decade, I’ve built close friendships with fellow young bankers that have become an invaluable resource as I continue my banking career.
I’m thankful for the opportunities that past leadership of the Division extended to me, and I view it as my responsibility to carry that forward. I’m committed to helping new young bankers find their place within the Division and to supporting their growth as they work to build meaningful and successful careers in the industry.
In your opinion, what are some of the biggest challenges facing the banking industry today, and how can young bankers help to address these challenges?
One of the most significant challenges facing banks today is navigating ongoing economic uncertainty and interest rate volatility. Rapid shifts in the rate environment have made asset-liability management increasingly complex. Compressed margins, unpredictable loan demand, and the risk of deteriorating credit quality have created pressure on both earnings and long-term strategic planning. To respond effectively, banks must remain proactive—using stress testing and close monitoring of portfolio performance to make timely decisions. Proactive communication with borrowers and a focus on relationship banking will be critical in managing risk and preserving customer trust during uncertain times.
The burden of regulatory compliance continues to grow, especially for community banks with limited resources. Enhanced scrutiny requires institutions to maintain rigorous oversight while balancing efficiency and customer service. Bankers can make a meaningful impact by actively engaging with lawmakers and regulatory institutions. By participating in advocacy efforts, providing feedback on proposed regulations, and staying informed on legislative developments, young bankers can help shape practical, effective policies that support both consumer protection and industry sustainability.
What advice would you give to aspiring young bankers who are just starting out in their careers and looking to make a meaningful impact in the industry?
Get involved with organizations such as the Young Bankers Division. Engaging with colleagues and industry experts not only expands your network but gives you a voice in shaping the future of banking. The relationships that you can build through these activities will be crucial throughout the entirety of your banking career.
The banking industry is constantly evolving with regulatory shifts, economic cycles, and technological advancements. Ask questions, and take every opportunity to learn from senior colleagues, industry publications and professional development programs.
Similarly, what advice would you give senior banking leadership that are looking to engage and retain the rising stars within their organizations?
Invest in professional development through leadership programs and support for advanced education. Invite them to participate in strategic discussions, projects, and community activities. Enhance engagement by creating an environment where young professionals are comfortable voicing ideas, asking questions, and providing feedback without fear of dismissal. Retention is more likely if they see a future within your institution.
By listening to, investing in, and empowering your rising stars, you’re not just retaining talent. You’re shaping the next generation of leadership. These efforts signal that the bank’s long-term success includes their growth and vision.
What is some life or career advice that you’ve gotten and still influences you today?
Community banking is all about relationship building. No matter how technology evolves or how complex banking products become, community banking still centers around relationships. This advice has shaped how I approach customer service and leadership. I try to prioritize trust, integrity, and genuine connection with clients, colleagues, and the communities we serve. It’s a mindset that builds long-term loyalty and creates the foundation for a meaningful career.
What goals do you have for the Young Bankers Division over your term as Chairman?
My primary goal as chair is to increase participation among young bankers throughout Tennessee. We want to continue to keep young bankers engaged by offering industry insights and professional development opportunities through our programs.
My broader vision is to create opportunities for networking and relationship-building among young bankers. These connections have the potential to impact careers for years to come. Personally, I am grateful for the encouragement I received when I first became involved, and I hope we can continue offering that same welcome and support to new members year after year.
By capitalizing on these goals, we can help shape the next generation of leaders in the banking industry who are well-equipped, well-connected, and committed to the future of our profession