2025 Vol. 109 No. 6

Directors, Staff and Credits 3
Vantage Viewpoint 6
Don’t Miss Out! 6
Chairman’s Report 7
Digital Extras 7
2025-26 IBA Education Calendar 8
Cover Story: Leaders in Banking Excellence Class of 2025 10
Banking Center News 18
Mergers & Acquisitions 19
Human Resources: Personal Posts, Professional Problems 20
IBA ‘High Five’ Awards 23
In Memory Of... 23
Directors & Senior Management: The Best of Both Worlds 24
GR Summit: Advocacy Amid a Shutdown 26
From The Board Room 27
Feature: It’s Time to Work Together to Stop Scams 28
Feature: Making a Difference, One Act at a Time 30
Compliance Connection: Protecting Your Interests as a Lender 32
Feature: Rooted in Growth 34
Banker Profile Diane E. Dalton 38
Banking on Community 40
Bankers on the Move 42
Directors & Senior Management: Moving Beyond ‘Set It and Forget It’ 46
Honorable Mentions 47
Lending & Credit: Credit Card Profitability 101 48
PSP Showcase: PSP Year-End Summary 2025 50
Anniversary Milestones 56
Taking It Easy 57
IBA Staff Milestones 57
Operations & Technology: Turning Missed Moments into Meaningful Connections 58
Centennial Celebration 60

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