ISSUE 1 2025 Official Publication of the Community Bankers Association of Kansas NURTURING THE COMMUNITY BANK ECOSYSTEM
CONTENTS ISSUE 1 www.cbak.com ©2025 The Community Bankers Association of Kansas (CBAK) | The newsLINK Group LLC. All rights reserved. In Touch is published six times per year by The newsLINK Group LLC for CBAK and is the official publication for this association. The information contained in this publication is intended to provide general information for review, consideration and education. The contents do not constitute legal advice and should not be relied on as such. If you need legal advice or assistance, it is strongly recommended that you contact an attorney as to your circumstances. The statements and opinions expressed in this publication are those of the individual authors and do not necessarily represent the views of CBAK, its board of directors or the publisher. Likewise, the appearance of advertisements within this publication does not constitute an endorsement or recommendation of any product or service advertised. In Touch is a collective work, and as such, some articles are submitted by authors who are independent of CBAK. While a first-print policy is encouraged, in cases where this is not possible, every effort has been made to comply with any known reprint guidelines or restrictions. Content may not be reproduced or reprinted without prior written permission. For further information, please contact the publisher at (855) 747-4003. 6WILL THE WAVE RETURN? 12 CBA EDUCATIONAL CRUISE 14THE CASE FOR PERSONALIZED DIGITAL MARKETING AT COMMUNITY BANKS 4 FLOURISH NURTURING THE COMMUNITY BANK ECOSYSTEM By Rebeca Romero Rainey, President and CEO, ICBA 6 PORTFOLIO MANAGEMENT WILL THE WAVE RETURN? Falling Rates Should Boost Cash Flows By Jim Reber, CPA, CFA, President and CEO, ICBA Securities 8 ICBA LIVE 10 THE 2025 COMMUNITY BANKERS FOR COMPLIANCE PROGRAM Guiding Community Banks to Achieve Effective In-House Regulatory Compliance 12 CBA EDUCATIONAL CRUISE Where Relaxation, Entertainment and Education Meet 13 SAVE THE DATE 2025 ANNUAL CONVENTION & TRADE SHOW July 8-10, 2025 14 THE CASE FOR PERSONALIZED DIGITAL MARKETING AT COMMUNITY BANKS By Hannah Day, Senior Director of Digital Banking, CSI 17 ANNIVERSARIES 18 ANNOUNCEMENTS 19 OFFICERS AND DIRECTORS 19 PRODUCTS AND SERVICES REFERENCE LIST 22 BANK WEBINARS 3 In Touch
As I reflect on the impact community banks have had this past year, I revel in this notion that we have created something special, a dynamic ecosystem that centers on people. We have taken the time necessary to invest in relationships and their development, growth and long-term sustainability, and that is what sets us apart from others in financial services. Embracing a Larger Community I attended numerous events across the country last year, and at each, I come together with community bankers, their board members, vendor partners, associate members, state executives and more. These are the people who make up our dynamic ecosystem. While there are some differences in their makeup and the challenges and opportunities they face, they share a common denominator: these strong connections, the relationships and people, and the why behind what we do. I am always struck by the similarities, despite the differences and how community bankers are committed to making sure our communities thrive. Yet, those communities aren’t insular. While our customers are our priorities, the people-first mentality we live by extends to all of our relationships. Community bankers invest the time in partnerships with vendor providers, regulators and others who offer unique insights into how to enhance this ecosystem. These organizations have worked in hundreds of different environments, and they provide a lens from which to see where our strengths lie and where we can enhance our efforts. Our teams also make up an internal ecosystem. Community banks work to create an environment where everyone can succeed and thrive, and we witness both FLOURISH NURTURING THE COMMUNITY BANK ECOSYSTEM BY REBECA ROMERO RAINEY PRESIDENT AND CEO, ICBA 4 In Touch
Community bankers are focused on the long term. We cultivate an environment that grows and gets stronger each year, as it’s nurtured along the way. We focus on building connections that will stand the test of time. tangible and intangible results and impacts on people and the community. We hire those who share our vision and values, and, by extension, we become great places to work. In It for the Long Haul Yet, building this kind of interconnected, thriving ecosystem does not happen overnight. It takes care and feeding, and a commitment to success. Fortunately, community bankers are focused on the long term. We cultivate an environment that grows and gets stronger each year, as it’s nurtured along the way. We focus on building connections that will stand the test of time. So, as we have just entered 2025, I look forward to what the future holds. I hope end-of-year reflections reminded you of the profound effect you’ve had on your customers’ and communities’ lives, and you take time to honor that. From all Where I’ll Be This Month I’ll be supporting our ecosystem, first by hosting groups in Washington, D.C., for meetings, including our ICBA and Community Bank State Association’s leadership, and then heading to The Fountain Trust Company in Covington, Indiana, to visit with ICBA Chairman Lucas White. I’ll also be visiting our offices in Sauk Centre, Minnesota, and TCM Bank in Tampa, Florida. of ICBA, I thank you for all you do for this ecosystem and wish you a wonderful 2025! 5 In Touch
BY JIM REBER, CPA, CFA PRESIDENT AND CEO, ICBA SECURITIES Remember “the wave?” It’s that spontaneous yet somewhat choreographed activity by sports fans in stadiums to ramp up the enthusiasm level. The most succinct description I can find is from Wikipedia: “The wave … is a type of metachronal rhythm achieved in a packed stadium or other large seated venue, when successive groups of spectators briefly stand and raise their arms. Immediately upon stretching to full height, the spectator returns to the usual seated position.” So, there you go. And don’t expect to see “metachronal” in this column ever again. Before you turn the page, I promise that the wave is relevant to community bank portfolio management. Flash back to 2020 at the onset of COVID-19, when the central banks attempted to stave off the impending economic collapse. “Cut interest rates to zero and motivate the consumer to consume,” went the reasoning, “and maybe we will limp our way through until we can get back outside.” Didn’t See It Coming The result of the aggressive monetary action was, of course, a tsunami of liquidity being dumped on community banks. This was aggravated by the phenomenon known as “flight to quality,” as depositors everywhere sought sanctuaries to park their savings, and there was no better place to do so than community banks. However, a lot of the cash was organically generated. Most of the bonds owned by banks have either an implicit or explicit call feature, which means borrowers (bond issuers) can pay them back early if rates fall after issuance. PORTFOLIO MANAGEMENT Falling Rates Should Boost Cash Flows 6 In Touch
Since today’s portfolios are still on balance underwater by about 6%, there’s room for them to appreciate in value if they have any staying power. Although it’s not widely remembered, at the onset of the pandemic, we were still in a pretty low-rate environment. Fed funds, for example, were never higher than 2.50% in the entire previous decade and were just 1.75% at the start of 2020. The totality of the rate cuts was only 150 basis points (1.50%), so most portfolio managers could be forgiven for thinking their investments were well insulated against falling rates and the attendant call risk. Across The Curve Those assumptions might have been valid had the Fed stopped at cutting just overnight rates. It also bought a ton of bonds in the open market, primarily treasury securities and mortgage-backed securities (MBS), pushing down yields to near-record lows across the maturity spectrum. As we know, borrowers will refinance their debt when it makes economic sense to do so. In short order, the call notices started rolling in virtually every business day for several years. For an example of the ferocity of the prepayment push, let’s look at one MBS cohort. In 2019, there was around $328 billion of 30-year FNMA 3.0% pools issued. The average borrowers’ rate (gross WAC) was 3.87%, which is a bargain in 2024. However, within a year of the 2019 issuance, mortgage rates had fallen enough for even these seemingly low-rate loans to start converting. By the time they were two years old, more than half of the entire cohort was gone. Extrapolating that over an entire community bank bond portfolio, including its callable agency, corporate and municipal bonds, we can see why the entire collection possibly turned over several times in 2020 and 2021. Here We Go And now we begin the much-anticipated easing phase of the interest rate cycle. While the speed and extent of the rate cuts will ultimately determine how much cash flow is unleashed from your community bank’s collection of investments, there are some factors that will make 2025 and beyond different from 2020 — not the least of which is that banks had more liquidity on hand five years ago, so an initial dose of calls and prepayments will be welcome to most community bank balance sheets. Also, while today’s portfolios yield a bit more than they did five years ago, their durations are much higher (4.3 years versus 2.9). This means that the flood of cash may take longer to materialize than in 2020. On the plus side, since today’s portfolios are still on balance and underwater by about 6%, there’s room for them to appreciate in value if they have any staying power. One final thought: Through September 2024, the year-to-date volume of calls being exercised on agency bonds totaled $300 billion, compared with $330 billion through the first nine months of 2020. This speaks to the “higher-for-longer” rate cycle just concluded. It also suggests that portfolio managers should have some sandbags ready in the form of call protection to guard against any incoming waves of cash flow. Jim Reber, CPA, CFA, (jreber@icbasecurities.com) is president and CEO of ICBA Securities, ICBA’s institutional, fixed-income broker-dealer for community banks. Education on Tap Thanks to ICBA Affiliates for Your 2024 Support ICBA Securities and its exclusive broker-dealer Stifel participated in education events for 28 ICBA state affiliates this year, which is the most in our history. We are grateful for the relationships and look forward to more collaboration in 2025. ICBA LIVE 2025 ICBA Securities and Stifel will again be active at ICBA LIVE in Nashville, Tennessee, from March 11 to 14. We will host several Learning Labs and be visible at the Expo. Several Stifel strategists will be on hand to meet with management teams and discuss balance sheet and income opportunities. To register, visit icba.org/live. 7 In Touch
RHYTHM. AMPLIFIED. Together, community bankers amplify the power and successes of our industry at the largest annual gathering of community bankers—ICBA LIVE 2025. Plug into a wide range of educational offerings to boost your knowledge and bring it back to your bank. Synchronize with fellow community bankers and industry experts on the latest industry trends and innovations. Celebrate the unique rhythm of our industry through energizing and inspiring general sessions and unparalleled networking events. Register today at icba.org/live March 11–14, 2025 Gaylord Opryland Resort & Convention Center NASHVILLE
THE 2025 COMMUNITY BANKERS FOR COMPLIANCE PROGRAM Presented by To learn more and register today, scan the QR code. https://www.cbak.com/ cbc-compliance-program Guiding Community Banks to Achieve Effective In-House Regulatory Compliance In today’s constantly evolving regulatory environment, staying informed is crucial. The CBC Program keeps your bank ahead of the curve with up-to-date insights on ever-changing regulations and offers expert guidance for structuring and maintaining a robust in-bank compliance program. This program also fosters a collaborative environment where compliance professionals can connect, share experiences and exchange ideas with fellow community bankers. Not only will these programs benefit attendees of the virtual seminars, but they will also provide invaluable insights for other team members within your bank who require this critical information. We offer three levels of service: the CBC Basic Program, the CBC Enhanced Program and the CBC Extended Regulatory Update Program to ensure that your employees receive the level of training they need. 10 In Touch
CBA EDUCATIONAL CRUISE Where Relaxation, Entertainment and Education Meet Feb. 8-15, 2026 Puerto Rico, British Virgin Islands, Antigua, Barbados, St. Lucia, St. Maarten and U.S. Virgin Islands CBA invites community bankers, directors, employees, associate members, family and friends to join us for an unforgettable journey to tropical islands throughout the Caribbean. This “All-Inclusive at Sea” adventure is the perfect opportunity to relax in the sun while also networking with banking professionals. Stay tuned for more details! For more information, contact Marilyn Boeding at (785) 336-6383 or by email at pm_boeding@yahoo.com. 12 In Touch
FMSI www.fmsiconsulting.com 913.955.3355 FMSI is a small business founded and located in Kansas, specializing in assisting community banks to succeed, a mission consistent with core CBA values. We have partnered with community banks for nearly 25-years providing core advisory services including asset/ liability, investment, and liquidity management. FMSI advisors actively assess market conditions and bank balance sheets of different size, mix, and capital levels. Market conditions are constantly changing presenting opportunities and challenges for CBA member banks. Interest rates are increasing for the first time in nearly a decade and now is a perfect time to partner with a trusted, industry leader. Establishing an FMSI relationship provides confidence your bank is optimizing the balance sheet, deploying necessary strategies, maximizing profitability, and managing balance sheet risks. FMSI is a Kansas CBA Endorsed Provider SAVE THE DATE 2025 ANNUAL CONVENTION & TRADE SHOW July 8-10, 2025 CALL (816) 421-6800 FOR MORE INFORMATION! Kansas City Marriott Downtown 200 W. 12th St. Kansas City, MO 64105 13 In Touch
THE CASE FOR PERSONALIZED DIGITAL MARKETING AT COMMUNITY BANKS BY HANNAH DAY SENIOR DIRECTOR OF DIGITAL BANKING, CSI Today’s consumers expect a seamless, personalized digital experience, especially with their financial institution. As institutions look to grow, a one-size-fits-all approach to digital marketing is not as effective as data-driven strategies to personalize and resonate with customers on their chosen channel. Using data to develop personalized marketing initiatives on digital channels can help community banks break through the noise, reaching new customers and deepening relationships with existing ones. Understanding Your Customers: The Importance of Effective Segmentation Understanding customer data and demographics is the first step in elevating your digital experience. At the most basic segmentation level, institutions should be able to differentiate between business and consumer customers. Each of these groups will have different messaging and product offerings. On the consumer side, various segments could benefit your institution, such as high-net-worth individuals, recent graduates or those close to retirement. Viewing your customers in segments allows you to better understand and anticipate their needs, as well as tailor what they see across their digital experience. Examples of segments include: • Life Stages: Certain life stages typically involve financial activity, and clues in a consumer’s financial data can indicate which common life stage or event could come next. For instance, a recently married couple has different financial needs or goals than one approaching retirement. If a customer recently had a 14 In Touch
series of wedding-related purchases and a last name change, there may be an opportunity to offer specific services or products more relevant to that life stage. • Credit Score: Surfacing an end user’s credit score within the digital experience is one of many powerful insights that data can bring to your customer base. Financial institutions could choose to direct educational content toward a group with a lower-than-average score. This approach allows you to determine types of products to market to this group that would increase their financial literacy and education. This segmented approach holds for business customers as well. Your institution could look at transactions for small businesses to determine the health and maturity of the company, providing you with insight into ways you can support them in their business journey. Whether they’re a startup, "mom-and-pop shop" or mid-sized organization, they will need solutions that address their unique needs. Five Tools Community Banks Can Use for a Holistic Marketing Strategy The following are several channels to continue to explore as you nurture customers throughout their life cycle and reduce attrition: 1. Digital Banking Digital banking should be consistent across every channel. If a user logs into their account on a desktop, your bank can serve them with a personalized pop-up ad based on their segment or past transaction history. Your institution can communicate with calls to action and drive adoption through custom text, secure digital messaging and push notifications. 2. Customer Relationship Management (CRM) An effective CRM platform should provide a holistic customer view by linking sales, operations, branch, digital and call center interactions to support marketing opportunities. Your CRM should also allow you to schedule appointments, send notifications, release targeted emails or marketing campaigns and more. Updating your CRM with regular documentation like contact information, credit scores and marketing preferences can open the door to building personal connections and cross-sales opportunities. 3. Email Campaigns Often linked with CRM, email is another tool to help your institution communicate with customers. While some customers prefer in-person interactions, others may prefer receiving emails. Targeted marketing emails can be an effective way to reach customers with relevant offers. 4. Customer Service Tools Customer service tools like digital banking messaging and text, voice and video communication help bridge the gap between physical and digital channels. Chatbots can also be embedded in the digital banking experience to address customers’ immediate questions or needs and suggest related products or services. Authenticated chat can be managed 15 In Touch
by your institution’s employees or trained on preliminary conversations to expedite assistance. 5. In-Branch Experience Although most customers are comfortable navigating digital channels, some customers still prefer the branch for certain financial activities. So, your customer experience should seamlessly flow from the digital world to the physical one and vice versa. If someone begins a loan application online, the in-branch representative should be able to help them pick up right where they left off. Bridging the Digital Divide: Finding Ways to Reach Your Customers The placement of marketing initiatives also varies within the digital experience. Some users — such as Gen Zers or millennials — may be more likely to use and engage with ads within the digital banking experience versus an email from your institution. Having flexibility within your digital experience to personalize the messages and locations based on your segment is critical. Community banks have always played a unique role locally and are well suited to take advantage of nontraditional methods to meet new customers. For example, in areas offering attractive outdoor adventures like hiking trails, some banks set up small booths to pass out water bottles or breakfast burritos emblazoned with a QR code to their website, blending physical and digital outreach. Ultimately, banks that blend these tactics, leaning into customer segmentation while meeting them in the channel of their choosing with campaigns targeted to their needs, will strengthen the relationship and trust with their customers. 16 In Touch
Congratulations to the banks celebrating January and February anniversaries as chartered institutions! ANNIVERSARIES January 154 years First National Bank — Fredonia 149 years Bank of the Flint Hills — Wamego 141 years Citizens State Bank — Cheney 138 years The Bank of Holyrood — Holyrood 121 years Bendena State Bank — Bendena 117 years Citizens State Bank of Marysville — Marysville 111 years Cottonwood Valley Bank — Cedar Point 105 years Farmers State Bank — Dwight 102 years First Option Bank — Osawatomie February 139 years Legacy Bank — Wichita 124 years Denison State Bank — Holton 124 years Tampa State Bank — Tampa 112 years Citizens State Bank — Hugoton 17 In Touch
ANNOUNCEMENTS Citizens Bank of Kansas is pleased to announce two new management hires, Malinda Thimmesch and Circe Gleeson. Malinda Thimmesch joined Citizens Bank of Kansas in October 2024 as controller, an integral part of the Accounting Department. Malinda is a Kansas native, a mother to two grown daughters, a graduate of Newman University and a licensed CPA. She has previous experience with Oklahoma Ag Credit and Farm Credit, responsible for financial reporting and internal controls. Malinda fills her free time outdoors, with her husband of 22 years, golfing, riding bikes, gardening and scuba diving. Circe Gleeson joined CBK in December 2024, in a new position as marketing manager. She has nearly 30 years of experience at financial institutions, most recently as director of marketing for Millennium Corporate Credit Union. Circe began her career in banking shortly after graduating from Wichita State University with a degree in business administration. Circe is a Kansas native who enjoys boating, traveling and the company of her family, which includes one recent K-State Wildcat graduate, and lifelong friends. Malinda and Circe work at the Derby Buckner Citizens Bank of Kansas location. 18 In Touch
PRODUCTS AND SERVICES REFERENCE LIST 2024‑2025 CBA OFFICERS AND DIRECTORS Joe Rottinghaus Chairman Conway Bank Tanner Johnson Chairman‑Elect Swedish‑American Bank Tom Pruitt Secretary/Treasurer Peoples Bank & Trust Company Irv Mitchell Immediate Past Chairman Wilson State Bank DIRECTORS Jeff Caudle Union State Bank Kent Culbertson First National Bank and Trust Matt Engel Farmers State Bank Cheri Fahrbach First National Bank of Hutchinson Chris Floyd Dream First Bank Brandon Lee Union State Bank Margaret Nightengale Grant County Bank Steven Suellentrop Legacy Bank Michele C. (Mickey) Lundy Past Chairman Tampa State Bank STATE ICBA DIRECTOR Blake Heid First Option Bank CBA STAFF Shawn Mitchell President and CEO shawn@cbak.com Nikki Dohrman Senior Vice President/ Executive Director nikki@cbak.com Yvonna Hansen Vice President of Member Services yvonna@cbak.com Stuart Little Little Government Relations LLC OFFICERS AND DIRECTORS The following CBA Associate Members are ready to serve you when you need them. Please keep this list handy, and the next time you’re looking for a specific service, you’ll know where to look first! Remember, this is just a sampling of what each company provides. The “*” represents an agreement for a specific endorsed product with that company. Not all products that these companies offer are endorsed by CBA. To see a detailed list and explanation of endorsements, visit CBA at www.cbak.com. Keep in mind that the services listed by each company on this page may only be a sampling of the many services they offer. By their CBA Associate Membership, these companies have shown their commitment to serving community banks. Please look to these companies first, whenever possible, to meet your banking needs. ABSTRACTING Security 1st Title Wichita, KS . . . . . . . . . . ........... (316) 267‑8371 ACCOUNTING/TAX RETURNS Allen, Gibbs & Houlik LC Wichita, KS . . . . . . . . . . ........... (316) 267‑7231 Varney & Associates, CPAs LLC Manhattan, KS . . . . . . . . ......... (785) 537‑2202 ACH *SHAZAM Johnston, IA . . . . . . . . . . ........... (515) 288‑2828 ADVERTISING SPECIALTIES *SJC Marketing Susan: St. Joseph, MO . . . . . ...... (816) 396‑8575 *Works24 Brian: Edmond, OK . . . . . ....... (800) 460‑4653 ALARMS & SECURITY PRODUCTS Federal Protection Springfield, MO . . . . . . . ........ (800) 299‑5400 Oppliger Banking Systems Inc. Lenexa, KS . . . . . . . . . . .......... .(800) 487‑7875 ARTIFICIAL INTELLIGENCE *Agent IQ Drew: Austin, TX . . . . . . . ....... (830) 708‑9370 ASSET LIABILITY MANAGEMENT *Financial Management Services Inc. (FMSI) Chuck: Overland Park, KS (913) 955‑3355 See ad pg. 12 *QwickRate Dan: Marietta, GA . . . . . . .......(800) 285‑8626 ATM EQUIPMENT (NEW/USED) Federal Protection Springfield, MO. . . . . . . . ....... (800) 299‑5400 Oppliger Banking Systems Inc. Lenexa, KS . . . . . . . . . . ........... (800) 487‑7875 AUCTION Purple Wave Manhattan, KS . . . . . . . . .......... (785) 537‑7653 BACK ROOM SERVICE Modern Banking Systems Ralston, NE . . . . . . . . . .......... (800) 592‑7500 BALANCE SHEET CONSULTING *Financial Management Services Inc. (FMSI) Chuck: Overland Park, KS (913) 955‑3355 See ad pg. 12 BANK OPERATIONS The Baker Group Oklahoma City, OK . . . . . . ....... (800) 937‑2257 *QwickRate Dan: Marietta, GA . . . . . . .......(800) 285‑8626 BANK/PEER PERFORMANCE *QwickRate Dan: Marietta, GA . . . . . . .......(800) 285‑8626 BANKRUPTCY Spencer Fane LLP Overland Park, KS . . . . . . .......(800) 526‑6529 BANK STOCK LOANS & LOAN OVERLINES Commerce Bank Kansas City, MO . . . . . . . . ........ (800) 821‑2182 *S&P Global Stacy: Charlottesville, VA . . . . ..... (434) 951‑4419 BOND ACCOUNTING First Bankers Banc Securities Overland Park, KS . . . . . . ........ (913) 469‑5400 *ICBA Securities Corporation Jim: Memphis, TN . . . . . . . ....... (800) 422‑6442 COMPLIANCE ASSISTANCE/ REVIEWS *Advanced Business Solutions (ABS) Sandy: Olathe, KS . . . . . . . ........ (913) 340‑7041 Allen, Gibbs & Houlik LC Wichita, KS . . . . . . . . . . ........... (316) 267‑7231 *BHG Bank Group Tom: Syracuse, NY . . . . . . . ........ (315) 372‑4510 *MPA Systems David: Fort Worth, TX . . . . . . . . . . .(888) 233‑1584 19 In Touch
Purple Wave Manhattan, KS . . . . . . . . ......... (785) 313‑2094 Varney & Associates, CPAs LLC Manhattan, KS . . . . . . . . ......... (785) 537‑2202 Young & Associates Inc. Kent, OH . . . . . . . . . . ........... (800) 525‑9775 CONSULTING *Bank Compensation Consulting (BCC) Rich: Plano, TX | (303) 482‑1844 See ad pg. 5 *CRA Partners | SHCP Foundation Kristine . . . . . . . . . . . . ............(914) 656‑8643 Young & Associates Inc. Kent, OH . . . . . . . . . . ........... (800) 525‑9775 CORRESPONDENT SERVICES Commerce Bank Kansas City, MO . . . . . . . . ........ (800) 821‑2182 First National Bank of Hutchinson Hutchinson, KS | (800) 293‑0683 See ad pg. 11 The Bankers Bank Oklahoma City, OK . . . . . . ...... (800) 522-9220 CORE SERVICES Data Center Inc. (DCI) Hutchinson, KS | (620) 694‑6800 See ad pg. 23 Modern Banking Systems Ralston, NE . . . . . . . . . .......... (800) 592‑7500 *SHAZAM Bill M. Johnston: IA . . . . . . . .......(515) 306‑8012 CRA/COMPLIANCE *CRA Partners | SHCP Foundation Kristine . . . . . . . . . . . . ............(914) 656‑8643 CREDIT AND PORTFOLIO RISK MANAGEMENT Young & Associates Inc. Kent, OH . . . . . . . . . . ........... (800) 525‑9775 CREDIT CARD PROGRAM *ICBA Payments Heather: Washington, D.C. . . . ... (800) 242‑4770 CREDIT SUPPORT *Advanced Business Solutions (ABS) Sandy: Olathe, KS . . . . . . . ........ (913) 340‑7041 DATA ANALYTICS KlariVis Roanoke, VA . . . . . . . . . .......... (540) 357‑0011 *QwickRate Dan: Marietta, GA . . . . . . .......(800) 285‑8626 DATA PROCESSING Data Center Inc. (DCI) Hutchinson, KS | (620) 694‑6800 See ad pg. 23 Modern Banking Systems Ralston, NE . . . . . . . . . .......... (800) 592‑7500 DEBIT/ATM CARD SERVICES *ICBA Payments Heather: Washington, D.C. . . . ... (800) 242‑4770 *SHAZAM Matt M. Johnston: IA . . . . . . ...... (515) 480‑5767 DIGITAL LENDING *BHG Bank Group Tom: Syracuse, NY . . . . . . . ........ (315) 372‑4510 DIGITAL RELATIONSHIP BANKING *Agent IQ Drew: Austin, TX . . . . . . . ....... (830) 708‑9370 DIRECTORS AND OFFICERS INS. *Travelers Danielle: St. Louis, MO . . . . .....(800) 255‑5072 *UNICO Group Inc. Diana: Lenexa, KS | (800) 755‑0048 See ad pg. 24 DIRECTORS EXAMS Allen, Gibbs & Houlik LC Wichita, KS . . . . . . . . . . ........... (316) 267‑7231 Varney & Associates, CPAs LLC Manhattan, KS . . . . . . . . ......... (785) 537‑2202 DISASTER RECOVERY FACILITY PROGRAM *MPA Systems David: Fort Worth, TX . . . . . . . . . . .(888) 233‑1584 DOCUMENT MANAGEMENT *Trust Exchange Leo: Austin, TX . . . . . . . . ......... (888) 777‑8434 EDUCATION *CRA Partners | SHCP Foundation Kristine . . . . . . . . . . . . ............(914) 656‑8643 EMERGENCY FACILITIES/ MODULAR BANK BUILDINGS FOR LEASE *MPA Systems David: Fort Worth, TX . . . . . . . . . . .(888) 233‑1584 EMPLOYEE AND EXEC. BENEFITS *Bank Compensation Consulting (BCC) Rich: Plano, TX | (303) 482‑1844 See ad pg. 5 Woner, Reeder & Girard P.A. Topeka, KS . . . . . . . . . ........... (785) 235‑5330 ESCROWS Security 1st Title Wichita, KS . . . . . . . . . . ........... (316) 267‑8371 FINANCIAL INST. BOND *Travelers Danielle: St. Louis, MO . . . . .....(800) 255‑5072 *UNICO Group Inc. Diana: Lenexa, KS | (800) 755‑0048 See ad pg. 24 HUMAN RESOURCES *UNICO Group Inc. Diana: Lenexa, KS | (800) 755‑0048 See ad pg. 24 INFORMATION TECHNOLOGY Integris Olathe, KS . . . . . . . . . . ........... (325) 947‑5550 Kansas Bankers Technologies Salina, KS . . . . . . . . . . . ...........(888) 752‑8435 KlariVis Roanoke, VA . . . . . . . . . .......... (540) 357-0011 RESULTS Technology Overland Park, KS . . . . . . ........ (877) 435‑8877 Varney & Associates, CPAs LLC Manhattan, KS . . . . . . . . ......... (785) 537‑2202 INSURANCE — BANK *Bank Compensation Consulting (BCC) Rich: Plano, TX | (303) 482‑1844 See ad pg. 5 *Travelers Danielle: St. Louis, MO . . . . .....(800) 255‑5072 *UNICO Group Inc. Diana: Lenexa, KS | (800) 755‑0048 See ad pg. 24 INTEREST RATE RISK SERVICE *Financial Management Services Inc. (FMSI) Chuck: Overland Park, KS (913) 955‑3355 See ad pg. 12 *ICBA Securities Corporation Jim: Memphis, TN . . . . . . . ....... (800) 422‑6442 INTERNAL AUDIT *Advanced Business Solutions (ABS) Sandy: Olathe, KS . . . . . . . ........ (913) 340‑7041 20 In Touch
INTERNET BANKING Data Center Inc. (DCI) Hutchinson, KS | (620) 694‑6800 See ad pg. 23 *ICBA Payments Heather: Washington, D.C. . . . ... (800) 242‑4770 KlariVis Roanoke, VA . . . . . . . . . .......... (540) 357-0011 INTERNET WORLD WIDE W.E.B. Oppliger Banking Systems Inc. Lenexa, KS . . . . . . . . . . ........... (800) 487‑7875 INVESTMENTS Central States Capital Markets Kansas City, MO . . . . . . . ........ (800) 851‑6459 Commerce Bank Kansas City, MO . . . . . . . . ........ (800) 821‑2182 *Financial Management Services Inc. (FMSI) Chuck: Overland Park, KS (913) 955‑3355 See ad pg. 12 First Bankers Banc Securities Overland Park, KS . . . . . . ........ (913) 469‑5400 *ICBA Securities Corporation Jim: Memphis, TN . . . . . . . ....... (800) 422‑6442 IT SECURITY Integris Olathe, KS . . . . . . . . . . ........... .(325) 947‑5550 Kansas Bankers Technologies Salina, KS . . . . . . . . . . . ...........(888) 752‑8435 *RESULTS Technology Darla: Overland Park, KS . . . . ..... (877) 435‑8877 LEGAL SERVICES Spencer Fane LLP Overland Park, KS . . . . . . .......(800) 526‑6529 Woner, Reeder & Girard P.A. Topeka, KS . . . . . . . . . . .......... (785) 235‑5333 LENDING *BHG Bank Group Tom: Syracuse, NY . . . . . . . ........ (315) 372‑4510 LOAN COLLECTIONS AND WORKOUTS Spencer Fane LLP Overland Park, KS . . . . . . .......(800) 526‑6529 Woner, Reeder & Girard P.A. Topeka, KS . . . . . . . . . ........... (785) 235‑5330 LONG RANGE PLANNING The Capital Corporation LLC Overland Park, KS . . . . . . . ........ (913) 498‑8188 Varney & Associates, CPAs LLC Manhattan, KS . . . . . . . . ......... (785) 537‑2202 MARKETING Harland Clarke Newton, KS . . . . . . . . . .......... (800) 322‑0818 *SHAZAM Johnston, IA . . . . . . . . . . ........... (515) 288‑2828 *SJC Marketing Susan: St. Joseph, MO . . . . . ...... (816) 396‑8575 *Works24 Brian: Edmond, OK . . . . . ....... (800) 460‑4653 MERCHANT PROCESSING *SHAZAM Johnston, IA . . . . . . . . . . ........... (515) 288‑2828 MERGERS/ACQUISITIONS The Capital Corporation LLC Overland Park, KS . . . . . . . ........ (913) 498‑8188 Olsen Palmer Kansas City, MO . . . . . . . . ........(816) 379‑4029 Spencer Fane LLP Overland Park, KS . . . . . . .......(800) 526‑6529 MOBIL CUSTOMER ENGAGEMENT *Agent IQ Drew: Austin, TX . . . . . . . ....... (830) 708‑9370 NETWORK SECURITY Kansas Bankers Technologies Salina, KS . . . . . . . . . . . ...........(888) 752‑8435 PAYMENTS *ICBA Payments Heather: Washington, D.C. . . . ... (800) 242‑4770 PORTFOLIO MANAGEMENT Central States Capital Markets Kansas City, MO . . . . . . . ........ (800) 851‑6459 *Financial Management Services Inc. (FMSI) Chuck: Overland Park, KS (913) 955‑3355 See ad pg. 12 PROMOTIONAL PRODUCTS Harland Clarke Newton, KS . . . . . . . . . .......... (800) 322‑0818 RETIREMENT PLANNING Central States Capital Markets Kansas City, MO . . . . . . . ........ (800) 851‑6459 First Bankers Banc Securities Overland Park, KS . . . . . . ........ (913) 469‑5400 SECONDARY MORTGAGE MARKET LENDING FHLBank Topeka Topeka, KS . . . . . . . . . .......... (800) 933‑2988 Mortgage Investment Services Shawnee, KS . . . . . . . . . .......... (913) 390‑1010 SECURITY MONITORING Federal Protection Springfield, MO . . . . . . . ........ (800) 299‑5400 SUPPLEMENTAL HEALTH INSURANCE *UNICO Group Inc. Diana: Lenexa, KS | (800) 755‑0048 See ad pg. 24 TECHNOLOGY SERVICES Integris Olathe, KS . . . . . . . . . . ...........(325) 947‑5530 Kansas Bankers Technologies Salina, KS . . . . . . . . . . . ...........(888) 752‑8435 KlariVis Roanoke, VA . . . . . . . . . .......... (540) 357-0011 *RESULTS Technology Darla: Overland Park, KS . . . . ..... (877) 435‑8877 *QwickRate Dan: Marietta, GA . . . . . . .......(800) 285‑8626 *S&P Global Stacy: Charlottesville, VA . . . . ..... (434) 951‑4419 TELECOMMUNICATIONS CONSULTING Verge Network Solutions Inc. Oklahoma City, OK . . . . . . ......(405) 782‑8400 TELECOMMUNICATIONS SERVICES Verge Network Solutions Inc. Oklahoma City, OK . . . . . . ......(405) 782‑8400 TELECOMMUNICATIONS SYSTEMS Verge Network Solutions Inc. Oklahoma City, OK . . . . . . ......(405) 782‑8400 THIRD PARTY COMPLIANCE MANAGEMENT *Trust Exchange Leo: Austin, TX . . . . . . . . ......... (888) 777‑8434 THIRD PARTY RISK MANAGEMENT & CONSULTING *Trust Exchange Leo: Austin, TX . . . . . . . . ......... (888) 777‑8434 TITLE INSURANCE Security 1st Title Wichita, KS . . . . . . . . . . ........... (316) 267‑8371 WEBSITE DEVELOPMENT *S&P Global Stacy: Charlottesville, VA . . . . ..... (434) 951‑4419 WHOLESALE LENDING FHLBank Topeka Topeka, KS . . . . . . . . . .......... (800) 933‑2988 Mortgage Investment Services Shawnee, KS . . . . . . . . . .......... (913) 390‑1010 Last Update: Sept. 10, 2024 Visit CBA online at www.cbak.com. 21 In Touch
x In partnership to grow Kansas’s community banks. UCC Financing Statements: Completing, Filing, Amending & Renewing Simplifying the Compliance Function: Tools & Checklists to Stay on Track BSA Exam Manual Series: History, Risk Assessments, Training, Audits, Internal Controls & BSA Off icers Frontline Series: Opening Deposit Accounts for Nonprofit Organizations Troubled Agricultural Borrowers: Identifying & Managing Deciphering Tax Returns Part 1: Form 1040, Schedules B & C New Interagency Guidance on Reconsiderations of Value Website Compliance: ADA Requirements, Common Issues & Best Practices Agricultural Lending Update 10 Ways to Prevent New Account Fraud Dealing with Employee Discipline, Complaints, Performance Issues & More Treasury Management: A Powerful Tool to Increase Deposits & Fee Income Deciphering Tax Returns Part 2: Form 1040, Schedules D, E & F Business Accounts Beyond Basics: Multi-Tiered, Beneficial Ownership, CIP & CDD Beginning Collector: What to Know on Day 1 & Beyond www.fin-ed.info/cbak BANK WEBINARS Live & On-Demand Beginning Security Officer: Dos, Don'ts & Compliance BSA Exam Manual Series: CIP, CDD & High-Risk Customers Writing a Teller Training Program TRID: Auditing the LE & CD for Compliance Commercial Loans: Foreclosing on Your Security Interest in Collateral IRA Series: IRA Beneficiary Designations & Distributions: Options, Best Practices & Compliance Frontline Series: Opening & Maintaining Consumer Accounts BSA Officer Part 2: BSA Reporting to the Board New Funds Availability Limit Update: Preparing for Reg CC Changes Effective July 1, 2025 Intermediate Collector: Refining Skills Beyond the Basics Comprehensive Employee Onboarding Using Innovative Techniques 2025 ACH Rules Update Open Banking, Banking as a Service & Lessons from Recent Enforcement Actions Job-Specific BSA Training for Lenders FDIC Sign Compliance: Deadline May 1, 2025 FedNow Beyond Basics: Getting the Most Out of Instant Payments ACH Origination for the Frontline 3-MAR 4-MAR 5-MAR 6-MAR 10-MAR 1 1 -MAR 12-MAR 13-MAR 17-MAR 18-MAR 19-MAR 20-MAR 24-MAR 25-MAR 26-MAR 27-MAR 31 -MAR 3-FEB 4-FEB 5-FEB 6-FEB 10-FEB 1 1 -FEB 12-FEB 13-FEB 18-FEB 19-FEB 20-FEB 24-FEB 25-FEB 26-FEB 27-FEB
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