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
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