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One Phone Call Away From Giving Up on Everything

It was just before Christmas 2008. Eddy Arriola had spent the entire year building a community bank from scratch — the team, the investors, the strategy, everything. Then the phone rang.

Florida regulators told him their priority wasn't opening new banks. It was shutting down the ones already failing. He wasn't their problem to solve.

Eddy was devastated. And then his brother said four words that changed everything: you just keep going.

That perseverance — forged first on wrestling mats, then in the depths of the financial crisis — carried Eddy all the way to founding Apollo Bank, building it…

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