2025 Vol. 109 No. 3

Directors, Staff and Credits	3
Vantage Viewpoint	6
Chairman’s Report	7
IBA Member Benefits Report 2024	8
2025 IBA Education Calendar	10
Jim Ryan: Hometown Heart	12
Compliance Connection: HELOC Closing Costs Waiver	16
Taking It Easy	17
Directors & Senior Management - Bank Trends: Can Margin Improvement Continue in 2025?	18
Feature: Your Advocacy Impact	20
Feature: Celebrating a Legacy of Collaboration	22
Banking On Community	23
PSP Showcase: Saving on TEFRA Through an Investment Subsidiary	24
Associate Members’ Corner	26
New Associate Members	26
Banker Profile: Brit C. Hollopeter	28
Bankers On the Move	30
Anniversary Milestones	34
IBA ‘High Five’ Awards	35
Human Resources: DEI and Affirmative Action Compliance Under the Trump Administration	36
FLD Focus: FLD Day at the Statehouse Sees Record Turnout	38
Washington Update: Renewing the American Dream	40
Products & Services Profile: New Name, New Vision	42
From the Board Room	44
In Memory Of	45
Lending & Credit: The Future of Small Business Credit Card Programs	46
Mergers & Acquisitions	47
Honorable Mentions	50
Banking Center News	52
Advertiser Index	54

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