2025 Vol. 109 No. 1

Directors, Staff and Credits	3
Vantage Viewpoint	6
Don’t Miss Out!	6
Chairman’s Report	7
Digital Extras	7
2025 IBA Education Calendar	8
Cover Story: Matt Howrey	10
From the Board Room	13
Feature: Proudly Presenting the 2025 IBA Board of Directors	14
Compliance Connection: Account Agreements and Compliance Considerations for Banks	18
GR Summit: Indiana Legislative Session 2025	20
In Memory Of...	21
Banking on Women	22
Banking Center News	25
Diversity, Equity & Inclusion: DEI and Affirmative Action Pendulums	26
Feature: Striking Balance in 2025	28
Feature: It’s Time to Stop Punting on Credit Union Accountability	30
Mergers & Acquisitions	31
Human Resources: Conducting Effective Workplace Investigations	32
Associate Members’ Corner	35
Banker Profile: Amanda Morris-Feldman	36
Bankers On the Move	38
Honorable Mentions	41
Banking On Community	42
Taking It Easy	43
Cyber, Fraud & Physical Security Conference	44
FLD Focus: FLD Continues Its Mission and Growth	46
Directors & Senior Management: Repercussions of Tax Policy Changes for Municipal Bonds	48
IBA ‘High Five’ Awards	49
Products & Services Profile: A Strong Solution for Indiana’s Electronic Lien & Title Law	50
Ag Banking: Measuring Repayment Capacity and Farm Growth Potential	52
Staff Celebrations	55

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