2025 Vol. 109 No. 4

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: 2024 C2C Award Nominees	10
Accelerating Growth: 2025 Mega Conference Recap	16
Feature: 2026 IBA Officer Candidates	20
Anniversary Milestones	21
Introducing New Bank Member	21
GR Summit: 2025 Legislative Session Summary	22
Human Resources: Equity vs. Liability	26
Bankers on the Move	30
Compliance Connection: Phishing and Fraudulent Wire Transfers: Who Bears the Loss?	34
Feature: A Legacy of Financial Literacy	36
Feature: Let’s Come Together to Address Fraud	38
In Memory Of...	39
From the Board Room	40
Honorable Mentions	42
Directors & Senior Management: Soft Landing vs. Recession and the Impacts on Interest Rate Risk	44
Associate Members’ Corner	46
New Associate Members	47
Products & Services Profile: Basic Profitability: Increase Revenue, Reduce Costs	50
IBA ‘High Five’ Awards	53
Banking Center News	53
Advertiser Index	53
Feature: Staff Spotlight	54

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