The post-recession environment requires serious strategic planning for a future very different from the one you envisioned as you developed your community bank's last strategic plan. Community banks that haul out the same old responses, anticipating the same old risks, will be much less successful coming out of the recession than they were going into it. Winners in the next decade will take a broader view of risk, uncovering any threat to their organizations. They will know that many risks that they're already monitoring can tip into serious consequences with a much smaller nudge from the business environment. Factors raising new challenges to community bank's ongoing success include: 1. reputation, 2. customer expectations, 3. corporate culture, 4. regulatory oversight, 5. demographic shifts, 6. legal demands, 7. processes, systems and people, and 8. financial statements.