Features 6 Vantage Viewpoint By Amber R. Van Til, Indiana Bankers Association 7 Chairman’s Report By Matthew W. Howrey, Indiana Bankers Association 8 2025 IBA Education Calendar COVER STORY 10 On a Mission By Evan Hoffmeyer, Indiana Bankers Association 20 Conversations Must Determine Our Innovation Budgets By Rebeca Romero Rainey, Independent Community Bankers of America 22 Shaping the Future of Stablecoins By Rob Nichols, American Bankers Association 40 Jim Cousins, Former IBA President, Passes Away 45 10 Complete IBA Commercial Lending School 46 State Deposits in Indiana Financial Institutions Jan. 1 – June 30, 2025 63 Cindy Konich Retires from FHLBI, Brendan McGrath Named Successor 65 Summer Banking Interns 66 Partnership Financing Lending a Helping Hand Articles DIRECTORS & SENIOR MANAGEMENT 16 What’s Next for the Fed? By Dillon Wiedemann, The Baker Group COMPLIANCE CONNECTION 18 Deposit Account Control Agreements What Are They, and Are They Safe To Sign? By Keaton J. Miller, Krieg DeVault LLP BANKER PROFILE 24 Latina Masters Banking Center Manager – Citizens State Bank, New Castle GR SUMMIT 36 Stablecoins: What They Are and How They Could Affect the Banking Industry By Dax Denton & Ross Teare, Indiana Bankers Association HUMAN RESOURCES 38 The Growth of AI in Hiring Is It Actually Intelligent? By Joey K. Wright, Amundsen Davis LLC FLD FOCUS 42 FLD Conference Joins with Banking Interns for Memorable Event By Josh Myers, Indiana Bankers Association SALES & MARKETING 50 The Keys to Sustainable Growth Hyper-Personalization, Relevance & ROI By Bruce Clapp & Brent Walker, MarketMatch PRODUCTS & SERVICES PROFILE 56 CRA: Not Just Letters, but Truly Focused on Communities By Rod Lasley, Indiana Bankers Association Departments 6 Don’t Miss Out! 7 Digital Extras 17 Anniversary Milestones 19 IBA ‘High Five’ Awards 23 In Memory Of … 26 Bankers on the Move 48 Banking on Community 49 Associate Members’ Corner 58 Banking Center News 59 Mergers & Acquisitions 60 From the Board Room 62 Honorable Mentions 65 Advertiser Index 36 September/October 2025 5 INTERACT WITH IBA
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