2025 Vol. 109 No. 5

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: On a Mission	10
Directors & Senior Management: What’s Next for the Fed?	16
Anniversary Milestones	17
Compliance Connection: Deposit Account Control Agreements	18
IBA ‘High Five’ Awards	19
Conversations Must Determine Our Innovation Budgets	20
Shaping the Future of Stablecoins	22
Banker Profile: Latina Masters	24
Bankers on the Move	26
Human Resources: The Growth of AI in Hiring	38
Jim Cousins, Former IBA President, Passes Away	40
FLD Focus: FLD Conference Joins with Banking Interns for Memorable Event	42
10 Complete IBA Commercial Lending School	45
State Deposits in Indiana Financial Institutions	46
Banking on Community	48
Associate Members’ Corner	49
Sales & Marketing: The Keys to Sustainable Growth	50
Products & Services Profile: CRA: Not Just Letters, but Truly Focused on Communities	56
Banking Center News	58
Mergers & Acquisitions	59
From the Board Room	60
Honorable Mentions	62
Cindy Konich Retires from FHLBI, Brendan McGrath Named Successor	63
Summer Banking Interns	65
Partnership Financing	66

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