4 FLOURISH CONVERSATIONS MUST DETERMINE OUR INNOVATION BUDGETS By Rebeca Romero Rainey, President and CEO, ICBA 6 PORTFOLIO MANAGEMENT HIGH ANXIETY Yield Curve Shape Reflects Bond Market’s Mood By Jim Reber, CPA, CFA, President and CEO, ICBA Securities 8 2025 CONVENTION & TRADE SHOW 12 CBA EDUCATIONAL CRUISE Where Relaxation, Entertainment and Education Meet 14 KEY CHANGES IN OBBBA ENHANCE SAVING OPTIONS By Lisa Haberman, Ed.D., QKA, ChFC, CLU, Ascensus 16 THE RISING THREAT OF DEEPFAKE SCAMS By Brandie Thacker, President & CEO, EPCOR 18 CREDIT STRESS CONTINGENCIES Why Wait Until It Comes? By David Ruffin, Principal, IntelliCredit® 20 ANNOUNCEMENTS 20 ANNIVERSARIES 23 OFFICERS AND DIRECTORS 23 PRODUCTS AND SERVICES REFERENCE LIST 26 BANK WEBINARS Live & On-Demand CONTENTS ISSUE 5 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. 6HIGH ANXIETY 8 2025 CONVENTION & TRADE SHOW 16 THE RISING THREAT OF DEEPFAKE SCAMS 3
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