46 Features 6 Vantage Viewpoint By Amber R. Van Til, Indiana Bankers Association 7 Chairman’s Report By Matthew W. Howrey, Indiana Bankers Association 8 IBA Member Benefits Report 2024 10 2025 IBA Education Calendar July-September COVER STORY 12 Jim Ryan Hometown Heart 20 Your Advocacy Impact By Rebeca Romero Rainey, Independent Community Bankers of America 22 Celebrating a Legacy of Collaboration By Rob Nichols, American Bankers Association Articles COMPLIANCE CONNECTION 16 HELOC Closing Costs Waiver By Brett J. Ashton, Krieg DeVault LLP DIRECTORS & SENIOR MANAGEMENT 18 Bank Trends: Can Margin Improvement Continue in 2025? By Dillion Wiedemann, The Baker Group PSP SHOWCASE 24 Saving on TEFRA Through an Investment Subsidiary By Larry M. Wood, The KeyState Companies BANKER PROFILE 28 Brit C. Hollopeter Assistant Vice President, Retail Loan Operations Manager – Lake City Bank, Warsaw HUMAN RESOURCES 36 DEI and Affirmative Action Compliance Under the Trump Administration By Debra A. Mastrian, Amundsen Davis LLC FLD FOCUS 38 FLD Day at the Statehouse Sees Record Turnout By Josh Myers, Indiana Bankers Association WASHINGTON UPDATE 40 Renewing the American Dream By U.S. Sen. Jim Banks PRODUCTS & SERVICES PROFILE 42 New Name, New Vision By Rod Lasley, Indiana Bankers Association LENDING & CREDIT 46 The Future of Small Business Credit Card Programs By Anil Goyal, CorServ Departments 6 Don’t Miss Out! 7 Digital Extras 17 Taking It Easy 23 Banking On Community 26 Associate Members’ Corner 30 Bankers On the Move 34 Anniversary Milestones 35 IBA ‘High Five’ Awards 44 From the Board Room 45 In Memory Of … 47 Mergers & Acquisitions 50 Honorable Mentions 52 Banking Center News 54 Advertiser Index MAY/JUNE 2025 5 INTERACT WITH IBA
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