2025-2026 Pub. 15 Issue 1

Chairman’s Message: Looking Ahead Together	4
Accelerate the Growth of Your Community Bank	6
Intercreditor Agreements in a Time of Tightening Credit	9
New Survey: Fraud May Be Down, but the Stakes for Financial Institutions Remain High	12
CBA Centerpoint	14
Stablecoin: What Lies Ahead	16
Enhancing Decision-Making and Financial Reporting Through Model Risk Management	18
Belief Is the Last Backstop	20
Reduce Collateralization	22

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