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Apex Recycling & Disposal

Apex Recycling & Disposal, OPB have customer care in common

Sam Miller is a dedicated man. He has been with his Eugene-based company, Apex Recycling & Disposal, since its beginning—having joined the company when he was 13 years old, working in every area of the company to gain the experience needed to one day take over for his dad. Today, he serves as owner and operator.

Also a loyal banking customer, Sam was faithful to his bank for over 20 years. When his bank was bought out, he was unsure whether to continue with the new bank or look for a new banking partner.

Adhering to the motto: “You take care of the customer and they will take care of you”—which he heard time and time again from his father, Sam strives to treat customers like people, not another account. And, he expects his bank to treat him the same, which is why he decided to make the switch to Oregon Pacific Bank.

“I came to understand that Oregon Pacific Bank is the type of bank that cares about their business customers, and they have a deep desire to provide outstanding service,” Sam says. And, the best part is that Sam already knew and trusted many of the team members at Oregon Pacific Bank, because they worked at his previous bank.

Sam says we have proven to be a bank he can rely on—one that is big enough to meet his financial needs but small enough to know him and understand his company. Sam utilizes our business checking and commercial loan services.

“The best part about Oregon Pacific Bank is the flexibility they have for some of our unique needs and how willing they are to find a solution that will work for our business,” he says.

Apex Recycling & Disposal fills an essential need in Eugene too, by providing trash, recycling and yard debris services to residential, commercial and industrial customers. The company’s history began in 1979, when Sam’s father, Arnie Miller, bought Apex and then purchased Lane Garbage Service and merged the two companies a year later.

Apex Recycling & Disposal, previously Lane Apex Disposal, has grown and evolved since its inception, and Sam has seen firsthand the changes that have come with new technology as it’s been incorporated into waste collection.

Sam’s son, Connor, will join the family-owned business when he finishes college next year. Grateful for the opportunity his father gave him to be a part of the company, Sam is looking forward to working alongside his son and providing him similar opportunities.

As their bank, we are happy to serve Sam and his family-owned and operated company and see it continue to evolve over time and generations.

Sam Miller is a dedicated man. He has been with his Eugene-based company, Apex Recycling & Disposal, since its beginning—having joined the company when he was 13 years old, working in every area of the company to gain the experience needed to one day take over for his dad. Today, he serves as owner and operator.

Also a loyal banking customer, Sam was faithful to his bank for over 20 years. When his bank was bought out, he was unsure whether to continue with the new bank or look for a new banking partner.

Adhering to the motto: “You take care of the customer and they will take care of you”—which he heard time and time again from his father, Sam strives to treat customers like people, not another account. And, he expects his bank to treat him the same, which is why he decided to make the switch to Oregon Pacific Bank.

“I came to understand that Oregon Pacific Bank is the type of bank that cares about their business customers, and they have a deep desire to provide outstanding service,” Sam says. And, the best part is that Sam already knew and trusted many of the team members at Oregon Pacific Bank, because they worked at his previous bank.

Sam says we have proven to be a bank he can rely on—one that is big enough to meet his financial needs but small enough to know him and understand his company. Sam utilizes our business checking and commercial loan services.

“The best part about Oregon Pacific Bank is the flexibility they have for some of our unique needs and how willing they are to find a solution that will work for our business,” he says.

Apex Recycling & Disposal fills an essential need in Eugene too, by providing trash, recycling and yard debris services to residential, commercial and industrial customers. The company’s history began in 1979, when Sam’s father, Arnie Miller, bought Apex and then purchased Lane Garbage Service and merged the two companies a year later.

Apex Recycling & Disposal, previously Lane Apex Disposal, has grown and evolved since its inception, and Sam has seen firsthand the changes that have come with new technology as it’s been incorporated into waste collection.

Sam’s son, Connor, will join the family-owned business when he finishes college next year. Grateful for the opportunity his father gave him to be a part of the company, Sam is looking forward to working alongside his son and providing him similar opportunities.

As their bank, we are happy to serve Sam and his family-owned and operated company and see it continue to evolve over time and generations.

Banker Spotlight
Joe Carmichael

Joe Carmichael

VP, Commercial Relationship Manager
Eugene Branch
541-636-4804

“OPB empowers all of us to make decisions that make sense. It’s a more common-sense approach to banking.”

Joe Carmichael’s family has called Eugene home since his ancestors settled here, having traveled the Applegate Trail. Over the years, his relatives have served as longtime business and civic leaders in the community.
“We’ve been here a real long time,” Joe says. “Eugene’s been the spot for us.”

A Vice President and Commercial Relationship Manger at Oregon Pacific Bank in Eugene, Joe is glad to carry on his family’s tradition of being actively involved in the community. In June 2021, he was named president of the board of directors for the Eugene Family YMCA. He’s passionate about the organization and what it has meant to his family and the community over the years.

Joe’s grandmother, Ingrid Carmichael, became involved at the YMCA after she was diagnosed with a serious heart condition when she was in her 50s. She was told to begin an exercise program, so she joined the Y and kept going faithfully. The people she met there became part of the extended family. She lived nearly another 50 years until she passed in 2009.

“I credit the Y for giving us extra time with her,” Joe says. “For her, it wasn’t like a gym. It was a way of life.”

Ingrid also served on the Y’s board of directors for 10 years, and Joe feels honored to follow in her footsteps. Like his grandmother, Joe has led an active lifestyle. He grew up running on Pre’s Trail and played baseball and golf. Hs newfound passion of late is hiking.

He also enjoys spending time with his family. With multiple generations in the Willamette Valley, he says, they have many opportunities to get together. “It seems like every weekend is someone’s birthday party,” he says. “We’re pretty tight-knit.”

Joe has worked in the banking industry since 2007 and joined Oregon Pacific Bank in 2018. He says he joined OPB because of its commitment to serving the community and its ability to make lending decisions at the local level, allowing customers to be served with more flexibility than they’re likely to find at other institutions.

“OPB empowers all of us to make decisions that make sense,” Joe says. “It’s a more common-sense approach to banking.”

At the start of the pandemic, bank employees worked hard to help clients secure funding through the federal Paycheck Protection Program. Between that and helping his children with online learning, it made for some long days, Joe recalls.

On one occasion, Joe says, he needed some information to complete an application so he phoned a client, who told him, “I’m impressed — it’s 7:30 on a Sunday and you’re giving me a call.”
“It’s 7:30?” Joe replied. “Oh, I’m so sorry … Oh wait, it’s Sunday?”

Joe laughs about it a bit now, but he knew the work was important. “The days just ran on and on,” he says. “Going through a situation like that with all your co-workers, and seeing people do whatever it takes.”

They kept at it because another few hours and more phone calls could make a big difference, he says. “You were doing it because you were trying to do the right thing, knowing that your efforts could be the difference between a company succeeding or failing.”

OPB works hard to develop strong relationships with their clients, Joe says. When the time comes, they’re ready to serve. “Just talking with your banker is always a good first step.”

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