2025 ISSUE 4 Official Publication of the Community Bankers Association of Kansas 2025 Annual Golf Classic
CONTENTS ISSUE 4 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. 4 EMPOWERING OUR NATION’S SMALL BUSINESSES 82025 ANNUAL GOLF CLASSIC 12 GENERATIVE AI IN CREDIT RISK MANAGEMENT 4 FLOURISH EMPOWERING OUR NATION’S SMALL BUSINESSES By Rebeca Romero Rainey, President and CEO, ICBA 6 PORTFOLIO MANAGEMENT HIGH PLAINS DRIFTER Floaters Could Be the Answer to a Flat Curve By Jim Reber, CPA, CFA, President and CEO, ICBA Securities 8 2025 ANNUAL GOLF CLASSIC 10 CBA EDUCATIONAL CRUISE Where Relaxation, Entertainment and Education Meet 12 GENERATIVE AI IN CREDIT RISK MANAGEMENT A Game Changer for Loan Review By Kent Kirby, Senior Consultant, Portfolio Risk, Abrigo 15 COMMUNITY BANKER APPRECIATION TAILGATE Sept. 6, 2025 KSU vs. ARMY 16 IS IT TIME TO REALIGN YOUR LEGACY CONSUMER LIQUIDITY STRATEGY? Yes — Now More Than Ever By Tim Barrett, Executive DDA Strategies, CSI 20 ANNIVERSARIES 23 OFFICERS AND DIRECTORS 23 PRODUCTS AND SERVICES REFERENCE LIST 26 BANK WEBINARS Live & On-Demand 3 In Touch
When it comes to community banking, we are a nation unto ourselves. When I traveled to the World Savings Bank Institute Conference, attendees from other countries were shocked to hear about the number of community banks we have and how our model fuels the success of our small business economy. Globally, no other country can boast such a robust business environment, one driven by nearly 35 million small and micro-organizations, according to the U.S. Small Business Administration, and enabled by our community banking model. Small businesses are the lifeblood of our nation, but community banks are the fuel that keeps them running. This symbiotic relationship is the primary reason we advocate for regulations that allow for flexibility in serving this community. As the nation’s leading small business lenders, we know what these customers need, and we must have the ability to meet them where they are. Just think about a small seasonal business, like a ski shop, that has a really strong few months and a hard few months and that may not want or need the same terms as a grocery store that serves a community year-round. When community banks are required to treat them both the same, it hinders our ability to really serve them in a way that speaks to their cash flow and business models. So, when we advocate for repealing the small business data collection and reporting requirements under Section 1071 of the Dodd-Frank Act, we do it with our customers and communities in mind. We want to ensure that our hands aren’t tied when it comes to truly helping a customer meet the needs of the community. We need the space to be able to offer creative solutions that respond directly to customer needs. And we uniquely understand their needs, because we are small businesses ourselves, ones that are invested in the local community, doing business with other small businesses in the area and providing a network of connections to help others grow. It’s why the concept of “bank locally” resonates: Community banks don’t just support small businesses financially. We are also partners in helping them excel. (See icba.org/bank-locally for resources.) So, as you read this issue, I encourage you to do so with a sense of pride. It’s because of your dedication, passion and ingenuity that small businesses thrive, and it is community banks that fuel our small business economy, paving the way for the American dream. That’s a value worth continuing to celebrate and protect. Small businesses are the lifeblood of our nation, but community banks are the fuel that keeps them running. FLOURISH EMPOWERING OUR NATION’S SMALL BUSINESSES BY REBECA ROMERO RAINEY PRESIDENT AND CEO, ICBA Where I’ll Be This Month I will be meeting with our subsidiary network boards, down in Atlanta with our ninth ThinkTECH Accelerator cohort, and attending the 200th anniversary of a member bank. 4 In Touch
HIGH PLAINS DRIFTER Floaters Could Be the Answer to a Flat Curve We are suddenly mid-decade of the 2020s, and if there’s a recurring theme, it’s “anomaly.” First, record low yields and rates. (Remember the 10-year treasury note hitting 0.55% in July 2020?) Then, record rate hikes of 525 basis points concentrated in a torturous 16-month window, followed by the longest-ever inverted yield curve of well over two years that finally corrected last September. It’s been the wild, wild West in terms of portfolio management. Now, the Federal Reserve Board projects that the terminal rate for overnight borrowings in this easing cycle will be 3.0%. This would, if it plays out, be the highest floor in over three decades. Hence, this article’s oblique title reference to “drifting” along the “high plains.” Commensurate with this would be the presumption of a chronically flat yield curve, in which there is little incremental benefit to extending the durations of loans or bonds. Stated more positively, there would be less penalty for staying “short.” And the quintessential short bonds are the prime-based floaters guaranteed by the Small Business Administration (SBA) under the 7(a) program. Let’s review this product — and SBA lending in general — to reacquaint ourselves with the opportunities to drift along the high plains, a la Clint Eastwood. First, the Worst Let’s get this over with quickly: Many SBA 7(a) pools have market prices with high premiums, some over 10 points. For those securities, there is certainly built-in prepayment risk, but there are ways to manage that risk. For example, real estate-backed 7(a)s have three years of prepay penalties; while those penalties aren’t passed through to the bondholders, they have the effect of limiting early redemptions initially. In fact, newer pools in general will prepay more slowly. SBA loans are not nearly as fungible as conventional single-family mortgages, so the small business will incur much higher fees to refinance its loans compared with a typical homeowner. On to better news: The reason some pools have such high prices is that the market for guaranteed portions is quite lucrative for lenders/sellers. There’s robust demand from institutional investors for full faith and credit floating-rate securities, and 7(a)s fit the bill. A network of poolers, which include ICBA Securities’ endorsed broker Stifel, are standing bidders for the guaranteed portions of SBA loans, and that creates a stream of fee income immediately (via the premium prices) and later (through servicing revenue). Short Duration Equals Stable Prices Compared with virtually any other bank-suitable securities, 7(a)s will have notably stable market prices. The pools’ yields can change every 90 days if fed funds, and therefore the prime rate, reset. These also have no rate caps, either periodic or lifetime. Thinking back to the hyperactivity of the fed in 2022-23, SBA floaters’ yields went up every bit as much as the overnight index. Hence, the stable prices. PORTFOLIO MANAGEMENT BY JIM REBER, CPA, CFA, PRESIDENT AND CEO, ICBA SECURITIES 6 In Touch
There’s robust demand from institutional investors for full faith and credit floating-rate securities, and 7(a)s fit the bill. More good news for bond portfolio managers: The prepayment activity for 7(a)s is highly uncorrelated with that for mortgage-backed securities (MBS). Part of that is due to the complexity of commercial lending I mentioned earlier, but most of the difference is based on SBA floaters’ rates staying on-market. As of this writing, 7(a) yields have come down 100 basis points (1%) since last fall, with more cuts expected later this year. In this sense, the small business borrower is anticipating some further rate relief. SBA prepayments do, in fact, tend to slow down in lower rate environments. Two-Way Street Let’s look at an example of the two-sided market for 7(a) loans and pools. Recently, Stifel offered SBA 530726, a 10-year quarterly reset pool collateralized by equipment, at a price of 108.625. Assuming a prepayment speed of 15% per year, which is close to the historical rate for equipment pools, the yield will be fed funds plus 52 basis points. Here’s where the future shape of the yield curve may help the attractiveness: For the past decade, fed funds plus 0.52% has out-yielded the 10-year treasury note by an average of 15 basis points. The advantage grows geometrically if we look at just the past three years, which, of course, include the historically long inverted yield-curve era. On the sell side, the raw materials for the pool are 129 10-year equipment loans with an average guaranteed balance of $338,000 and a borrower’s rate of prime plus 1.85%. The loans were sold individually into the secondary market at an average gain on sale of $28,300. The lender/seller retains the full note rate on the unguaranteed portion, plus a 1% servicing fee on the sold balance. For many community banks, both commercial lenders and bond portfolio managers benefit from the SBA’s 7(a) program. With the prime index rate off its peak of 2024 but with projections to stay relatively elevated, sellers and investors have an opportunity to ride along the high plains to fee income, servicing income, attractive bond yields and price stability. Jim Reber, CPA, CFA (jreber@icbasecurities.com), is president and CEO of ICBA Securities, ICBA’s institutional, fixed-income broker-dealer for community banks. 7 In Touch
2025 ANNUAL GOLF CLASSIC This year, CBA’s Annual Golf Classic took place amidst the picturesque surroundings of Salina Country Club on June 2. The event provided a perfect opportunity for attendees to connect and network while basking in the warmth of a beautiful day outdoors. Laughter and camaraderie filled the air as participants enjoyed a friendly golf tournament. This memorable event would not have been possible without the generous support of our esteemed sponsors: Kansas Bankers Technologies, State Bank Commissioner of Kansas, SHAZAM Inc., FHLBank Topeka, Purple Wave Auction, RESULTS Technology and The Bankers Bank. Their commitment and contributions were instrumental in making the day a resounding success.
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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. Visit www.cbak.com for more details. For more information, contact Marilyn Boeding at (785) 336-6383 or by email at pm_boeding@yahoo.com. 10 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 11 In Touch
GENERATIVE AI IN CREDIT RISK MANAGEMENT A Game Changer for Loan Review Generative AI and the New Loan Review Process The evolution of banking and risk management over the past few decades has been nothing short of remarkable. From paper-ledger loan reviews to digital spreadsheets and now to artificial intelligence, each leap has brought efficiencies that reshape how financial institutions assess credit risk. Generative AI in credit risk management is the latest step forward, offering a transformative approach to loan review. By streamlining processes, improving accuracy and providing deeper insights, AI is set to redefine risk assessment for banks and credit unions. Mitigating Risk and Increasing Consistency One of the biggest challenges in credit risk management is ensuring consistency across reviews. Traditional methods rely on individual experience and manual checks, which can introduce variability and human error, especially as individual loan reviewers’ years of experience trend downward. Generative AI in credit risk management addresses these concerns by standardizing reviews, applying consistent risk parameters and identifying patterns that might be missed by even the most experienced analysts. For new analysts, AI acts as a built-in training tool, providing real-time guidance and helping them get up to speed faster. Kirby said, “Loan Review Assistant is a wonderful training tool for newer analysts, allowing us to reduce the time needed to onboard them while maintaining high-quality risk assessments.” With AI handling repetitive tasks, loan review professionals can concentrate on complex cases that require human expertise. A New Era of Loan Review Efficiency Loan review teams have long faced challenges balancing speed, accuracy and staffing constraints. As financial institutions deal with growing portfolios, evolving regulations and a shifting workforce, maintaining consistency in credit risk assessment is more difficult than ever. BY KENT KIRBY SENIOR CONSULTANT, PORTFOLIO RISK, ABRIGO 12 In Touch
This is where tools like Abrigo’s Loan Review Assistant, powered by generative AI, make a difference. As longtime banker and risk management Senior Consultant Kent Kirby explains, “Loan Review Assistant is the kind of tool that makes you wonder how you ever survived without it.” The AI-driven solution enables loan review teams to complete assessments in seconds, ensuring that documentation is accurate and that potential risks are flagged early. By reducing time spent on manual processes, generative AI in credit risk management empowers financial institutions to focus on strategic decision-making rather than data entry. Meeting Compliance and Regulatory Expectations Compliance remains a top priority for financial institutions, and regulators are increasingly focused on credit risk oversight. Generative AI in credit risk management helps institutions stay compliant by maintaining detailed audit trails, ensuring transparency and aligning with regulatory standards. Data security is also a major concern. Addressing bankers’ worries about utilizing AI-powered tools, Kirby reassures, “Yes, it’s secure. Abrigo knows better than to mess around with data privacy in banking. These tools are built with data encryption, robust access controls and compliance baked in from the start.” AI doesn’t just help loan review teams work faster, it helps them provide regulators with clear, consistent documentation, reducing the risk of compliance issues and improving overall governance. Better Risk Insights, Better Decisions Ultimately, the goal of generative AI in credit risk management is to help financial institutions make better lending decisions. By improving efficiency, accuracy and consistency, AI-driven solutions like Loan Review Assistant not only reduce workload but also enhance risk assessment capabilities. Just as technology has transformed banking over the decades, AI is now changing the way financial institutions manage credit risk. Kirby advises loan reviewers to embrace the process. “When something new comes out, there is always the concern of its sustainability. Twenty-five years ago, there was a fear that all automated systems were flashy, overhyped tech gimmicks, but today they are the differentiators between adaptable community banks and their competition,” he said. “This is a practical, well-designed solution that makes life easier for those of us in the trenches of risk management. It helps us work faster, more accurately and without the headache of manual documentation. It’s the kind of tool that pays for itself in saved time and improved portfolio insights.” Kent Kirby is a retired banker with over 39 years of experience in all aspects of commercial banking: lending, loan review, back-room operations, credit administration, portfolio management, and analytics and credit policy. As senior consultant in the Portfolio Risk practice, Kirby assists institutions in the review and enhancement of commercial. Generative AI in credit risk management is the latest step forward, offering a transformative approach to loan review. 13 In Touch
YOU WANT IT! (801) 676-9722 SALES@THENEWSLINKGROUP.COM ADVERTISE HERE! DON’T ROLL THE DICE CONTACT US TODAY
COMMUNITY BANKER APPRECIATION TAILGATE Sept. 6, 2025 KSU vs. ARMY 2025 Tailgate Sponsors FNB Hutchinson QwickRate RESULTS Technology Security 1st Title Varney & Associates, CPAs, LLC RSVP for the CBA Tailgate Register online at www.cbak.com or complete this form and email it to nikki@cbak.com. Please note you do not have to have game tickets to attend the Tailgate. (To purchase tickets, contact KSU.) REGISTER to attend the Tailgate below! Contact Name: Contact Email: Names of Attendees: Bank: City: 5897 SW 29th Street • Topeka, Kansas 66614 • Phone: (785) 271-1404 • Email: info@cbak.com • www.cbak.com Tailgate Registration Deadline is August 15! Get Ready To Be Our Guest! Enjoy complimentary food and drinks starting three hours before kickoff at the CBA tent, situated at the Bill Snyder Family Stadium at Kansas State University (2201 Kimball Ave., Manhattan, KS). KSU tailgates are set up at the northeast lawn of the stadium or the lawn of the rowing center. Kindly provide a contact name and email address to receive the exact location before game day. 15 In Touch
With rising consumer expectations, growing competition and ongoing economic uncertainty, banks can no longer rely on outdated, one-size-fits-all overdraft programs or legacy small-dollar loan offerings. Yet many institutions are still using ad hoc or legacy systems that lack transparency, adaptability and actionable insight. If your overdraft system assigns limits or manages old-school loan risk without your team understanding the logic behind those decisions — it is time to ask the tough questions. Today’s Landscape Demands More Regulatory agencies like the CFPB, FDIC, OCC, state regulators and others are sharpening their focus on fairness, transparency and consistency in overdraft and liquidity practices. At the same time, customers expect financial institutions to deliver personalized and equitable service. Ask yourself: • Do we have a strategy to attract profitable consumers who seek new forms of liquidity? • Can we explain, defend and adjust our overdraft decisions in real time? • Is our approach helping customers stay banked — not driving them away? • Do we offer loan options underwritten by deposit behavior? • Do we understand who is recovering from overdraft use — and who is not? If your answer is “no,” you are not alone — but now’s the time to act. Data Is Only Powerful When It is Actionable Banks sit on enormous amounts of valuable data — deposit trends, transaction behaviors, fees and recovery rates. But if your system IS IT TIME TO REALIGN YOUR BY TIM BARRETT, EXECUTIVE DDA STRATEGIES, CSI LEGACY CONSUMER LIQUIDITY STRATEGY? Yes — Now More Than Ever 16 In Touch
does not adapt to risk, only provides canned reports, charges for peer benchmarking or hides key logic behind “proprietary” algorithms, you are flying blind. Worse, if you are applying the same limit to all accounts, you’re missing critical indicators of risk — and opportunity. A modern Consumer Liquidity small-dollar loan and overdraft program should: • React to individual account behavior daily. • Adjust limits automatically based on real activity. • Identify high-risk accounts before losses occur. • Offset risk from either the loan or overdraft use. This is not just about efficiency; it is about control, visibility and long-term customer relationships. Transparency Is Not Optional Anymore Can you explain how a customer’s overdraft limit was set this month versus last month? Do you know when their deposit patterns changed and what you did in response? Is your front-line staff comfortable with explaining options for informed decision-making? If not, your institution may be exposed to compliance and operational risk. A modern approach: • Trains front-line staff by experienced professionals. • Audits every account relationship daily. • Manages exception items automatically. • Documents decisions clearly for examiners. More importantly, it aligns with proven best practices and gives you the confidence to stand behind your program — regardless of who is asking. Consistency Builds Trust — Especially With Fee Refunds One of the most common struggles in overdraft programs is inconsistency in fee refund decisions. Without a structured approach, decisions often vary by branch, location or staff discretion — raising red flags and exposing your bank to bias claims or unfair treatment accusations. 17 In Touch
A data-driven, rules-based approach ensures refunds are handled fairly, consistently and with clear documentation. That protects both your institution and your customers. Returns and Debit Card Declines Cost More Than Revenue Every time a debit card transaction is declined or ACH/Check is returned, two things happen: 1. Your customer gets frustrated. 2. You lose income by discouraging consumption behaviors. Often, a minimal limit or Reg. E opt-out are the root causes that could be addressed with automated communication, expanded purchasing power and staff empowerment. A smart overdraft platform does more than record declines. It takes action: • Sends alerts or letters. • Flags trends by branch or region to help staff with messaging. • Triggers follow-up contact or educational outreach. Proactive tools turn service disruptions into relationship-strengthening opportunities. Reporting Should Empower, Not Exhaust If your team needs IT support to run basic overdraft reports, your system is holding you back. Your executives, managers and frontline staff should be able to access the insights they need — on demand. That includes: • Fee consumption of deposits. • Reasons for declined transactions. • Service level and liquidity exposure tracking. • Charge-off trends by customer type, location or relationship. • Knowledge of what your peers are doing. When compliance, operations and marketing teams all have fast access to actionable data, your institution makes better, faster decisions — without relying on back-end bottlenecks. Take Back Control of Your Program Your overdraft and consumer loan strategy should be an actively managed, strategically aligned part of your bank’s liquidity offerings — not a set-it-and-forget-it product. A modern solution helps you: • Be competitive with new fintech approaches. • Align risk with opportunity. • Provide transparent, fair services. • Stay agile in a shifting economic and regulatory environment. Ask yourself: Is your consumer liquidity approach helping build trust and resilience or keeping you anchored in the past? If it is the latter, it is time to realign. 18 In Touch
Mortgage Investment Services Corporation • 22316 Midland Drive Shawnee, KS • 66226 • 913-390-1010 NMLS# 194708 • A Kansas licensed mortgage company #MC 0001182 Missouri Residential Mortgage Loan Broker License #10-1912 Oklahoma Mortgage Broker #MB001953 • Colorado License #100044344 Nebraska Licensed Mortgage Company NMLS#194708 Arkansas License #124530 YEARS 25 Let’s Talk Fair Lending! Partnering with Mortgage Investment Services Corporation (MISC) means equal access to credit for housing to all within your community. Here’s why collaborating with us sets you apart: • Fair Lending Protocols, Regulatory Compliance • Tailored Solutions for Diverse Clientele • Government financing options: FHA, VA, & USDA-RD • Rebuilding your community with renovation lending • Expand your customer reach Join forces with MISC to provide every member of your community with the opportunity for homeownership. We get it right the first time! Andrew Holtgraves, Senior Vice President • Cell: 913-558-2555 Email: Andrew@MISCHomeLoans.com • NMLS: #276932 Associate Member 19 In Touch
Congratulations to the banks celebrating July and August anniversaries as chartered institutions! ANNIVERSARIES July 143 years The Halstead Bank — Halstead 139 years Wilson State Bank — Wilson 124 years Union State Bank — Everest 123 years First National Bank — Scott City 119 years Bank of the Plains — Plains 119 years The First State Bank of Healy — Healy 107 years GNBank, N.A. — Girard 59 years Garden Plain State Bank — Wichita August 148 years Howard State Bank — Howard 133 years Baldwin State Bank — Baldwin City 124 years Lyndon State Bank — Lyndon 26 years Community Bank of Wichita Inc. — Wichita 20 In Touch
Is your community bank bond portfolio performing? Meet Jim. Jim meets with community bankers across the U.S. to discuss ICBA Securities’ investment products, services, and education through our exclusively endorsed broker, Stifel. Investing through Stifel is a direct investment back into the community banking industry. When Jim is on the road, he always takes time to enjoy local restaurants and share on social media. As an ICBA member, you’ve got Jim’s help investing. Learn more at icba.org/securities Member FINRA/SIPC
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. 11 *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. 11 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 23 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. 19 *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. 21 The Bankers Bank Oklahoma City, OK . . . . . . ......(800) 522-9220 CORE SERVICES Data Center Inc. (DCI) Hutchinson, KS | (620) 694‑6800 See ad pg. 27 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. 27 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. 28 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. 19 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. 28 HUMAN RESOURCES *UNICO Group Inc. Diana: Lenexa, KS | (800) 755‑0048 See ad pg. 28 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. 19 *Travelers Danielle: St. Louis, MO . . . . ..... (800) 255‑5072 *UNICO Group Inc. Diana: Lenexa, KS | (800) 755‑0048 See ad pg. 28 INTEREST RATE RISK SERVICE *Financial Management Services Inc. (FMSI) Chuck: Overland Park, KS (913) 955‑3355 See ad pg. 11 *ICBA Securities Corporation Jim: Memphis, TN . . . . . . . .......(800) 422‑6442 INTERNAL AUDIT *Advanced Business Solutions (ABS) Sandy: Olathe, KS . . . . . . . . . . . . . . .(913) 340‑7041 24 In Touch
INTERNET BANKING Data Center Inc. (DCI) Hutchinson, KS | (620) 694‑6800 See ad pg. 27 *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. 11 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. 11 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. 28 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: June 2025 Visit CBA online at www.cbak.com. 25 In Touch
x In partnership to grow Kansas’s community banks. fin-ed.info/cbak BANK WEBINARS Live & On-Demand Performance Reviews: Practicalities, Best Practices & Landmines Debit Card Fraud: Tips, Tools & Tested Procedures Determining When to File a SAR BSA Training for Board & Senior Management Effectively Managing Wire Transfer Fraud Frontline Impact on Sales Culture Credit Analysis & Lending Series: Cash Flow Analysis: Debt Service Coverage, Global Cash Flow & More SARs: Line-by-Line & Writing a Good Narrative Escrow Excellence: From Loan Estimate to Annual Analysis Harness the Power of AI in Your Marketing Strategy Record Retention Policy & Timeframes Opening Deposit Accounts Online: Risks, E-SIGN, Compliance Community Reinvestment Act: Preparing for Upcoming Changes Negotiating Vendor Contracts: Key Provisions, Market Terms & Due Diligence Mastering the CRE Appraisal Process from A to Z: Analysis & Best Practices for Lenders Deposit Reg Series: Regulation CC Dishonored, Corrected & Contested ACH Returns 1 -AUG 4-AUG 5 -AUG 6 -AUG 7 -AUG 1 1 -AUG 1 2-AUG 1 3 -AUG 1 4-AUG 1 8 -AUG 1 9 -AUG 20-AUG 2 1 -AUG 25 -AUG 26 -AUG 27 -AUG 28 -AUG AI & Ransomware: Can You Outsmart the Next Big Hit? FDCPA: What's Expected as a Debt Collector? Dealing with Difficult Customers: 5 Foolproof Techniques Remote Deposit Capture 360: Efficiencies & Management Advertising Compliance: Web, Text, Print, TV & Radio Job-Specific BSA Training for Operations Staff Provisional Credit Under Reg E: Rules, Best Practices & FAQs Credit Analysis & Lending Series: Deeper Cash Flow Analysis, Balance Sheet & External Factors The CFPB on Overdrafts, Junk Fees & Other Depository Issues IRA Series: Traditional & Roth IRAs Part A: Eligibility, Contributions, Rollovers & Transfers ACH Reclamations & Garnishments 20 Common Mistakes in Consumer Collections Deposit Reg Series: Regulation E TRID Basics for Lenders & Processors Closing Deposit Accounts: Reasons, Rights, Responsibilities Flood Protection for Complex Structures Mortgage Lending Compliance Overview 2-SEP 3 -SEP 4-SEP 9 -SEP 1 0-SEP 1 1 -SEP 1 5 -SEP 1 6 -SEP 1 7 -SEP 1 8 -SEP 22-SEP 23 -SEP 24-SEP 25 -SEP 26 -SEP 29 -SEP 30-SEP
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