©2025 The Colorado Bankers Association (CBA) | The newsLINK Group LLC. All rights reserved. Colorado Banker is published six times per year by The newsLINK Group LLC for CBA and is the official publication for this association. The information contained in this publication is intended to provide general information for review, consideration and education. The contents do not constitute legal advice and should not be relied on as such. If you need legal advice or assistance, it is strongly recommended that you contact an attorney as to your circumstances. The statements and opinions expressed in this publication are those of the individual authors and do not necessarily represent the views of CBA, its board of directors or the publisher. Likewise, the appearance of advertisements within this publication does not constitute an endorsement or recommendation of any product or service advertised. Colorado Banker is a collective work, and as such, some articles are submitted by authors who are independent of CBA. While a first-print policy is encouraged, in cases where this is not possible, every effort has been made to comply with any known reprint guidelines or restrictions. Content may not be reproduced or reprinted without prior written permission. For further information, please contact the publisher at (855) 747-4003. Jenifer Waller President & CEO Alison Morgan Director of State Government Relations Brandon Knudtson CFO & Director of Membership Lindsay Muniz Director of Education Parker Terrell Communications Specialist Megan Carruth Executive Assistant Margie Mellenbruch Bookkeeper* Melanie Layton Lobbyist* Garin Vorthmann Lobbyist* Caroline Woodhouse Lobbyist* *Outsourced 140 E. 19th Ave., Ste. 400 Denver, Colorado 80203 Office: (303) 825-1575 coloradobankers.org colorado-banker.thenewslinkgroup.org BUILDING BETTER BANKS — Helping Coloradans Realize Dreams 12 18 2025-2026 Issue 1 4 CHAIRMAN’S MESSAGE Looking Ahead Together My Priorities for 2025-26 By Brett Wyss, Chairman, CBA 6 Accelerate the Growth of Your Community Bank The First 5 Steps of Your AI Journey By Alec Crawford, Founder and CEO, Artificial Intelligence Risk Inc. 9 Intercreditor Agreements in a Time of Tightening Credit Drafting, Risk Mitigation and Dispute Resolution By George H. Singer, Partner, Holland & Hart LLP 12 New Survey: Fraud May Be Down, but the Stakes for Financial Institutions Remain High By Terri Luttrell, CAMS-Audit, CFCS, Abrigo 14 CBA Centerpoint Going Beyond the Desk to Hear the Stories of Colorado Bankers 16 Stablecoin: What Lies Ahead By Timothy Schenk, General Counsel, Kentucky Bankers Association 18 Enhancing Decision-Making and Financial Reporting Through Model Risk Management By Bryan Johnson, Plante Moran 20 Belief Is the Last Backstop What Easing Bank Capital Rules Really Means for the Treasury Market By Christopher Myers, CEO, B:Side Capital and B:Side Fund 22 Reduce Collateralization A Path to Greater Efficiency and Depositor Satisfaction By Joseph Hooker, Chief Sales Officer, IntraFi 3 Colorado Banker
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