2026 CONVENTION & TRADE SHOW HIGHLIGHTS 2026 ISSUE 5 Official Publication of the Community Bankers Association of Kansas
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4 FLOURISH Customizing AI To Work for You By Rebeca Romero Rainey, President and CEO, ICBA 6 2026 Convention & Trade Show Highlights 11 How To Avoid Typosquatting Scams By SHAZAM Inc. 12 Record Municipal Issuance Infrastructure Necessity or Credit Warning Sign? By Dana Sparkman, CFA, Executive Vice President-Municipal Analyst, The Baker Group 15 What to Do in the First 24 Hours After a Commercial Property Loss By UNICO Group 17 Welcome to Our New Associate Members! 18 Training That Drives Results. Webinars for Community Bankers | October & November 2026 19 Anniversaries 20 Products and Services Reference List 22 Officers and Directors CONTENTS ISSUE 5 cbak.com ©2026 The Community Bankers Association of Kansas (CBAK) | MBR Connect™. All rights reserved. In Touch is published six times per year 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 (801) 676-9722. 15 WHAT TO DO IN THE FIRST 24 HOURS AFTER A COMMERCIAL PROPERTY LOSS 11 HOW TO AVOID TYPOSQUATTING SCAMS 62026 CONVENTION & TRADE SHOW HIGHLIGHTS 3 In Touch
FLOURISH By REBECA ROMERO RAINEY President and CEO, ICBA When it comes to artificial intelligence (AI) and the way it’s being deployed today, I’m struck by its potential for customization. We truly have a technology at our disposal that can be transformed into something that does what we need it to do, not just what it’s initially programmed to do. That distinction makes AI a game changer for community banks. We’re not a one-size-fits-all industry, and the strengths of AI play into that individualization. The power of AI is that we can tailor it to meet our needs. With so many different use cases and potential avenues for harnessing its impact, AI is truly one of the first technologies to provide a track for us to solve a problem or create an opportunity via an entirely personalized path. Thoughtful Experimentation We are now at a stage for AI experimentation. Certainly, we need to be mindful of the risks and challenges, but we also need to investigate how we use our human resources versus our technology resources. AI is an opportunity to be more intentional as we seek efficiencies in the back office, unlock customer-facing opportunities and learn the full scope of what it can do. By leaning into AI as a solution, we can be more efficient and effective and, at the same time, build stronger relationships with our customers and communities. Deployed strategically, AI will allow our teams to let go of routine, transactional tasks, creating more space for building the customer connections we are known for. ICBA Solutions So, have fun rolling up your sleeves and exploring this new technology. AI can be daunting, but at the same time, it brings with it enormous possibilities — and potential you need to unlock for your bank. To support you, ICBA has developed tools for your AI journey, including the ICBA AI Security Readiness Guide, which assesses the AI threat shift, explains what it means for local institutions, and gives tips on how to strengthen third-party due diligence and test incident-response plans, among other topics. You can also tap into a complimentary webinar that dives into the guide and how it helps your institution’s resilience and AI readiness. I invite you to use these and other insights found in our AI and Community Banking Resource Center to discover ways AI can better support your goals. Because AI is here to stay, and it’s up to us to embrace its power as part of the future of community banking. Customizing AI To Work for You 4 In Touch
2026 CONVENTION & TRADE SHOW Highlights The community bankers of Kansas had an exceptional time at the 2026 Convention & Trade Show on July 22-24 at the Sheraton Overland Park Hotel in Overland Park, Kansas. Thank you to our speakers, sponsors and all who attended for making this another successful event. 6 In Touch
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Is your community bank skilled up? Meet Cindy. Cindy is the voice on the other end of the phone when bankers call about ICBA Education’s bank director program, webinars, and other educational offerings. She takes the time to talk through bankers’ professional goals, next steps, and ICBA’s available options (all at a discount to members). In the evenings and on the weekends, she can be found on her 150-acre farm in Central Minnesota or spending time with family and friends visiting and supporting our community. Are your bankers educated because they have Cindy as a resource? Learn more at icba.org/education
By SHAZAM INC. Online banking, payment apps and investment tools make everyday financial tasks easier than ever. But the same convenience that helps accountholders also gives scammers new ways to exploit simple mistakes — like a single mistyped letter in a web address. Learning how to avoid typosquatting scams can help accountholders protect their financial information online. What Is Typosquatting? Typosquatting, or URL hijacking, occurs when cybercriminals register website addresses that are nearly identical to trusted sites. They rely on users making small typing errors or clicking too quickly. These look-alike and fake banking websites can be convincing, and once someone lands on one, they may be prompted to enter login credentials or other sensitive financial information. The good news is that a few simple habits can make a big difference in protecting accountholders and overall online banking security. How Do Typosquatting Scams Work? Typosquatting scams succeed because they exploit normal human behavior. We’re busy. We move quickly. And sometimes, one extra letter, a missing character or the wrong domain ending — such as “.org” instead of “.com” — is all it takes to send someone to the wrong site. Scammers don’t always need to break into systems. Sometimes, they just need someone to be in a hurry. How Can Financial Institutions Help Accountholders Stay Safer Online? Practicing safe online banking habits remains one of the most effective ways to reduce risk and avoid scams like typosquatting. Share these tips with accountholders to help them spot a fake website: • Bookmark trusted websites you use often. • Type web addresses carefully when entering them manually. • Use official mobile apps when available. • Avoid clicking links in unexpected emails or messages. • Be cautious with sponsored search results, which may lead to look-alike or fake banking websites. • Look for “https” and the padlock icon before entering sensitive information. • Pause and confirm the site is legitimate before signing in or sharing personal information. These steps may seem simple, but they work, especially as banking website scams become more polished and harder to detect. Fighting cybercrime doesn’t always require complex technology. Sometimes, scams can be avoided just by slowing down, checking details and making it harder for bad actors to exploit small mistakes. When accountholders build safe online habits, they can better protect their financial information and help strengthen online banking security. HOW TO AVOID Typosquatting SCAMS 11 In Touch
Municipal issuance is on pace for a third consecutive record year, with dealers forecasting roughly $600 billion of new supply in 2026 after 2025’s record of about $580 billion. For municipal bondholders, the question is not whether the market can absorb the supply — so far, it has. Rather, the question is whether the debt being issued to fund this infrastructure wave is being taken on prudently at the issuer level, or whether it is quietly eroding the credit cushion that underpins the municipal market’s safe reputation built on extremely low default rates and the security of taxing power and essential services. Why Debt Levels Are Rising As demonstrated in the chart below, aggregate municipal debt outstanding has shrunk by roughly 16% in inflation-adjusted terms since 2005, even as GDP, state and local tax revenue, and personal income have grown by 38% or more. Record Municipal Issuance Infrastructure Necessity or Credit Warning Sign? By DANA SPARKMAN, CFA, Executive Vice President-Municipal Analyst, The Baker Group However, several forces are converging to push both debt levels and debt service costs higher. First, aging infrastructure needs to be replaced. The American Society of Civil Engineers’ latest report card shows the national infrastructure funding gap widening to $3.7 trillion, up from $2.6 trillion four years earlier. Second, demand for additional infrastructure is adding to that burden. For example, public power utilities are raising capital to meet AI-driven data center load, population migration necessitates more capital investment in some areas like Texas and Florida, and physical mitigants to manage climate risk are increasingly important. Meanwhile, the federal support that has let issuers avoid debt in recent years is fading. Pandemic-era stimulus funding for pay-as-you-go capital projects has run out, leading to a larger proportion of capital projects needing to be funded with bond proceeds. Timing compounds the problem as both construction costs and borrowing rates are elevated. Many issuers delayed projects as interest rates rose, expecting a pullback that never fully came, and are now financing those same plans at rates well above what they could have locked in a few years earlier. At the same time, inflation has driven up construction costs rapidly, making these projects much more expensive. 12 In Touch
That said, higher debt isn’t inherently a problem for every issuer. Many municipalities are currently well-positioned with high reserves, strong revenue sources and conservative budgeting practices, but also have legitimate needs to increase leverage. However, risk arises from debt and associated costs outpacing an issuer’s capacity to manage them, particularly if additional capital needs keep surfacing while revenue and reserve growth slow or reverse. The following are some credit indicators to help manage that risk. Credit Indicators to Monitor • Debt-load metrics. Materially rising per-capita debt and debt-to-assessed ratios signal a tax base being asked to support more debt without a commensurate increase in capacity. Overlapping debt is also enlightening, as a taxpayer within overlapping jurisdictions can carry a much heavier load than any single issuer’s balance sheet would suggest. • Reserve erosion relative to debt service. Watch the general fund balance relative to annual debt service, and whether the issuer is drawing down reserves to cover recurring operating costs rather than one-time items. • Taxpayer concentration. If a small number of taxpayers account for a large share of assessed value, the credit is more fragile than the aggregate numbers imply. The departure or downsizing of a large employer or taxpayer can materially affect the tax base. • Tax collection rate. A decreasing collection rate is an important distress signal — it reflects real-time taxpayer stress and local administrative capacity to enforce collections. • Disclosure and administrative behavior. Late or missing continuing disclosure filings, delayed audits or qualified/adverse audit opinions tend to correlate with weaker management generally, and non-compliance itself can raise an issuer’s cost of funds independent of the underlying credit. • Low or falling coverage ratio on revenue bonds. An issuer that repeatedly issues new parity debt against the same revenue stream dilutes its debt coverage. A low coverage ratio leaves less cushion to absorb a revenue shortfall before payment is at risk. The Bottom Line Infrastructure investment is genuinely needed, and the municipal bond market remains a proven avenue for funding it, with historically solid credit quality. The recent pickup in issuance appears to be a normalization of debt levels, but investors should stay vigilant. Debt raised against durable, well-supported revenue is different than debt raised against optimistic assumptions or by issuers already in a fragile financial state. Instead of evaluating a debt increase in isolation, investors should comprehensively analyze the issuer’s ability to sustainably carry the additional debt. The Baker Group’s credit analysts are available to help you apply this framework to specific issuers in your portfolio. Dana Sparkman, CFA, is executive vice president-municipal analyst in The Baker Group’s Financial Strategies Group. She manages a municipal credit database covering more than 300,000 municipal bonds, providing clients with specific credit metrics essential for assessing municipal credit. Dana earned a bachelor’s degree in finance from the University of Central Oklahoma and the Chartered Financial Analyst designation. Contact her at The Baker Group by calling (800) 937-2257. 13 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 Compliance. Confidence. Credibility. When it comes to outsourcing HR, not all partners are created equal. Syndeo is the only IRS-certified, ESAC accredited PEO serving your region’s bank. syndeohro.com Your premier HR partner. 14 In Touch
By UNICO GROUP A commercial property loss can come without warning. Whether a fire breaks out overnight, a storm damages the roof or a pipe bursts and floods the building, the hours immediately following a loss have an outsized effect on the outcome of any insurance claim. Missteps during this period, including premature cleanup, delayed notice and poor documentation, can slow settlements, reduce payouts or, in some cases, jeopardize coverage altogether. This article provides business owners with a clear action plan for the first 24 hours after a commercial property loss. Ensure Safety First Before assessing damage or contacting the insurer, confirm the premises are safe. If the loss involves fire, structural damage or utility hazards such as a gas leak or downed electrical lines, contact emergency services before entering the building. Allow fire, police or utility personnel to clear the property before any staff, contractors or insurance representatives conduct an assessment. If the loss involves theft or vandalism, file a police report before doing anything else. Insurers routinely require a report number to open a claim for these types of losses. Notify Your Insurer and Broker Promptly Most commercial property policies require the insured to report a loss “as soon as practicable.” Prompt notice allows the insurer to investigate the loss, assess damage and begin the claims process. Delayed notice can create coverage complications and make claims more difficult to investigate. When calling the insurer’s claims line (most carriers offer 24/7 access), have the policy number, the date and time of the loss, and a brief description of the cause ready. Stick to the facts at this stage. Avoid speculating on the extent of damage or estimating repair costs before a professional assessment is completed. What to Do in the First 24 Hours After a Commercial Property Loss 15 In Touch
Following the call, send a written notice to the claims department. An email is generally sufficient. Written notice creates a clear record of when and how the notice was provided. In addition, notify the insurance broker or agent; they can help navigate the immediate steps, identify all potentially applicable coverages and intervene if claim handling becomes difficult. Once the claim is reported, record the claim number and the assigned adjuster’s contact information. Keeping this information organized from the outset can simplify future communications and help prevent delays. Document Everything Before Cleanup Begins Thorough documentation is the single most effective action a business owner can take in the first 24 hours. Claims disputes often hinge on the quality and availability of evidence, and cleaning up or making repairs before the adjuster arrives can permanently limit recovery. Take photos and video of all visible damage before touching anything, including the building exterior and interior, equipment, inventory, signage, structural elements and any standing water. Time-stamped digital files are ideal. In addition: • Preserve damaged property. Do not discard damaged inventory, equipment or building materials until the adjuster has inspected them. If disposal is necessary for health or safety reasons, photograph and catalog items first. • Keep a written log. Record the date and time of the loss, descriptions of all damage observed and notes from every conversation with the insurer. This log becomes a useful reference throughout the claims process. • Pull pre-loss documentation. If photos, security footage or prior inspection records exist, preserve and flag them for the adjuster. Pre-loss documentation strengthens the comparison with post-loss conditions. • Preserve invoices, maintenance records, repair estimates and other documentation. These records may become important as the claim progresses. Take Reasonable Steps to Prevent Further Damage Commercial property policies include a duty to mitigate, requiring the insured to take reasonable protective measures to prevent further loss. Failure to do so can result in a reduced settlement or denial of coverage for the portion of the damage that could have been avoided. Common mitigation measures include tarping a damaged roof, boarding up broken windows and doors, shutting off water or gas at the main and extracting standing water. These are temporary protective actions, not permanent repairs. Avoid major reconstruction or disposal of damaged materials until the insurer has had a reasonable opportunity to inspect the loss. If emergency work or debris removal is necessary for safety reasons, document conditions thoroughly beforehand and notify the insurer as soon as possible. Keep all receipts for emergency mitigation expenses. Most commercial property policies reimburse these costs when properly documented. Start Tracking the Business Impact If the loss forces a full or partial suspension of operations, business income coverage may apply. The restoration period, the timeframe during which lost income is covered, generally begins at the time of the direct physical loss. However, business owners should review their policy terms or consult their broker to understand how business income coverage applies to their specific loss. Begin documenting the business impact as soon as possible. This includes sales that could not be completed, orders canceled, employees idled and extra expenses incurred to continue or temporarily relocate operations. Pull recent financial records, including revenue and payroll data, to establish a pre-loss baseline. This documentation is the foundation for any business income calculation. Conclusion The steps taken in the first 24 hours after a commercial property loss shape everything that follows, including the adjuster’s assessment, the speed of the settlement and the total amount recovered. Securing the property, promptly notifying the insurer, thoroughly documenting damage and taking steps to prevent further loss are all best practices and policy obligations that protect the insured’s right to a full and fair recovery. Contact us today to review your commercial property coverage and discuss how your business can be better prepared before a loss occurs. This article is not intended to be exhaustive, nor should any discussion or opinions be construed as legal advice. Readers should contact legal counsel or an insurance professional for appropriate advice. The steps taken in the first 24 hours after a commercial property loss shape everything that follows, including the adjuster’s assessment, the speed of the settlement and the total amount recovered. 16 In Touch
Tradeweb Markets Inc. is a leading global operator of electronic marketplaces for rates, credit, equities and money markets. Founded in 1996, Tradeweb provides access to markets, data and analytics, electronic trading, straight-through processing and reporting for more than 50 products to clients in the institutional, wholesale, retail and corporate markets. Tradeweb’s retail offering provides community banks with a more efficient way to access deposit funding and manage investments. Their brokered CD issuance platform allows banks to request funding from multiple approved underwriters, compare pricing in real time and reach national sources of term funding beyond their local deposit footprint. This streamlined process enables greater efficiency, transparency and control over funding decisions. Tradeweb also offers access to money market securities trading, along with the analytics, liquidity and tools to support banks’ broader funding and investment needs. To learn how Tradeweb can support your bank’s funding and investment strategy, please email twdbuy-sidesales@tradeweb.com or visit tradeweb.com. Welcome to Our New Associate Members! QSI Banking is a trusted technology and managed services provider dedicated to helping community banks enhance their self-service banking operations. The company delivers comprehensive ATM and Interactive Teller Machine (ITM) solutions, including installation, maintenance, remote monitoring, cash management, security and branch technology integration. By providing end-to-end support and innovative banking technologies, QSI enables financial institutions to improve operational efficiency, strengthen security and compliance, reduce costs, and deliver a seamless, convenient banking experience for their customers. For more information, visit qsibanking.com. 17 In Touch
Navigating Vendor AI Risk: MRM & TPRM Strategies TLE Your Consumer Borrower Filed Bankruptcy, Now What? Chapters 7 & 13 The New URAR: Improving Appraisal Review and Decision-Making Payment Systems Bootcamp Deposit Litigation: 10 Reasons You Lose Money in Court on Deposits OCC Rules for Stablecoin Adverse Action: Initial Requirements & Response After Loan Origination Handling Powers of Attorney In Depth Collection Series: Advanced Collection Concepts Active Shooter Training: REACT ● ESCAPE ● SURVIVE TRID Breakdown Part 1: Loan Estimate for Fixed-Purchase, Variable-Refinance & Construction Frameworks to Execution: Bringing AI POC to Life Call Report Series: Auditing Call Reports: Compliance & Recommended Practices Managing Your Money Service Businesses – Risk, Compliance & Set-Up When a Borrower Dies: Next Steps ACH Return Reason Codes Explained Fair Lending Risks in AI-Driven Credit Decisions: Bias by Algorithm BSA & OFAC Annual Training for Lenders Fraud Series: Exploding Check Fraud The Advent of Roth SEPs & SIMPLEs: Options, Choices & Considerations Using AI in Credit Analysis TRID Breakdown Part 2: Closing Disclosure for Fixed-Purchase, Variable-Refinance & Construction-Perm IRA Required Statements & Reports Conducting a BSA Audit Commercial Credit Analyst Series: Lending to Specific Industries: Trades, Hospitality, Nonprofits & Professional Services Firms Loan Litigation: 10 Reasons You Lose Money in Court on Loans Auditing Liquidity & ALM: Risks, Trends & Guidance A Year in the Life of a Compliance Officer Deposit Operations Update Collection Series: Collecting & Communicating with Troubled Borrowers Before It's Too Late The Branch Manager's Toolkit Part 1: A Guide to Team Development 1099 Reporting: Foreclosures, Repossessions & Debt Settlements ACH Reclamations & Garnishments IRA Series: Traditional IRA Discretionary & Required Minimum Distributions Annual MLO Training & SAFE Act Compliance Elder Exploitation: Prevention Tips, Tools & Internal Controls Robbery Prevention & Response: Beyond the Basics BSA: Money Laundering in Residential Real Estate and Mortgage Loan Fraud Unpacking E-SIGN: Consent Process, Risks & Compliance The IRS Auto Loan Interest Deduction: Final Rule & Form 1098-LVI Reporting Opening Trusts & Other Fiduciary Accounts Fraud Series: Developing Effective Fraud Response Procedures Opening Business Accounts: The Big Four Teller Excellence Series: The CTR Line-by-Line BSA Review Part 2: Navigating the FFIEC Exam Manual fin-ed.info/cbak x In partnership to grow Kansas’s community banks. OCT. 1 OCT. 1 OCT. 2 OCT. 2 OCT. 5 OCT. 6 OCT. 6 OCT. 7 OCT. 8 OCT. 13 OCT. 14 OCT. 15 OCT. 15 OCT. 16 OCT. 19 OCT. 20 OCT. 20 OCT. 21 OCT. 21 OCT. 22 OCT. 26 OCT. 27 OCT. 27 OCT. 28 OCT. 29 NOV. 2 NOV. 2 NOV. 3 NOV. 4 NOV. 5 NOV. 9 NOV. 9 NOV. 10 NOV. 10 NOV. 12 NOV. 12 NOV. 16 NOV. 17 NOV. 17 NOV. 18 NOV. 18 NOV. 19 NOV. 23 NOV. 24 NOV. 30 TRAINING THAT DRIVES RESULTS. Webinars for Community Bankers | October & November 2026
Congratulations to the banks celebrating September and October anniversaries as chartered institutions! ANNIVERSARIES OCTOBER 130 years Elk State Bank — Clyde 120 years Bank of Commerce & Trust Co. — Wellington 120 years Grant County Bank — Ulysses 120 years Stockgrowers State Bank — Maple Hill 116 years Union State Bank — Olsburg 38 years Bankers’ Bank of Kansas — Wichita 34 years The Trust Company — Manhattan SEPTEMBER 155 years First National Bank — Fredonia 139 years State Exchange Bank — Mankato 128 years Peoples Bank & Trust Co. — McPherson 97 years Farmers State Bank — Fairview COMPETITIVE RATES We take pride in our operational efficiency which results in MIB being able to provide valuable services at highly competitive prices. Call us to find out how much you could save. Lending Services Operational Services Audit Services mibanc.com MEMBER FDIC HIGH VALUE SERVICES, Chris Bryan 816-500-6253 Travis Anderson 402-440-2448 * Audit Services are offered thru MIB Banc Services, LLC, a subsidiary of our holding company. 19 In Touch
PRODUCTS AND SERVICES REFERENCE LIST 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 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 *Works24 Brian: Edmond, OK . . . . . ....... (800) 460‑4653 ALARMS & SECURITY PRODUCTS Data Business Equipment (Formerly Oppliger) Lenexa, KS . . . . . . . . . . .......... .(800) 487‑7875 Federal Protection Springfield, MO . . . . . . . ........ (800) 299‑5400 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. 14 *OptimaFI (Formerly QwickRate) Pam: Memphis, TN . . . . . . .......(800) 285‑8626 ATM EQUIPMENT (NEW/USED) Data Business Equipment (Formerly Oppliger) Lenexa, KS . . . . . . . . . . ........... (800) 487‑7875 Federal Protection Springfield, MO. . . . . . . . ....... (800) 299‑5400 AUCTION Purple Wave Manhattan, KS . . . . . . . . ......... (785) 537‑7653 BALANCE SHEET CONSULTING *Financial Management Services Inc. (FMSI) Chuck: Overland Park, KS | (913) 955‑3355 See ad pg. 14 BANK OPERATIONS The Baker Group Oklahoma City, OK . . . . . . ....... (800) 937‑2257 *OptimaFI (Formerly QwickRate) Pam: Memphis, TN . . . . . . .......(800) 285-8626 BANK/PEER PERFORMANCE *OptimaFI (Formerly QwickRate) Pam: Memphis, TN . . . . . . .......(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 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 *ICBA CRA Solutions 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. 5 The Bankers Bank Oklahoma City, OK . . . . . . ......(800) 522-9220 CORE SERVICES Data Center Inc. (DCI) Hutchinson, KS | (620) 694‑6800 See ad pg. 23 *SHAZAM Bill M. Johnston: IA . . . . . . . .......(515) 306‑8012 CRA/COMPLIANCE *ICBA CRA Solutions Kristine . . . . . . . . . . . ............. (914) 656‑8643 20 In Touch
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 *OptimaFI (Formerly QwickRate) Pam: Memphis, TN . . . . . . .......(800) 285‑8626 DATA PROCESSING Data Center Inc. (DCI) Hutchinson, KS | (620) 694‑6800 See ad pg. 23 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 EDUCATION *ICBA CRA Solutions 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 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 *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 *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 *ICBA Securities Corporation Jim: Memphis, TN . . . . . . . .......(800) 422‑6442 INTERNAL AUDIT *Advanced Business Solutions (ABS) Sandy: Olathe, KS . . . . . . . ........ (913) 340‑7041 INTERNET BANKING Data Center Inc. (DCI) Hutchinson, KS | (620) 694‑6800 See ad pg. 23 *ICBA Payments Heather: Washington, D.C. . . . ... (800) 242‑4770 INTERNET WORLD WIDE W.E.B. Data Business Equipment (Formerly Oppliger) Lenexa, KS . . . . . . . . . . ........... (800) 487‑7875 INVESTMENTS Commerce Bank Kansas City, MO . . . . . . . . . . . . . . . .(800) 821‑2182 *Financial Management Services Inc. (FMSI) Chuck: Overland Park, KS | (913) 955‑3355 See ad pg. 14 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 LENDING BHG Bank Group Tom: Syracuse, NY . . . . . . . ........ (315) 372‑4510 LendingStandard Lenexa, KS . . . . . . . . . . ...........(866) 981-5883 Rocket Pro Detroit, MI . . . . . . . . . .......... (704) 650-0622 LOAN COLLECTIONS AND WORKOUTS Spencer Fane LLP Overland Park, KS . . . . . . .......(800) 526‑6529 LONG RANGE PLANNING Varney & Associates, CPAs LLC Manhattan, KS . . . . . . . . ......... (785) 537‑2202 21 In Touch
MARKETING *SHAZAM Johnston, IA . . . . . . . . . . .......... (515) 288‑2828 *Works24 Brian: Edmond, OK . . . . . ....... (800) 460‑4653 MERCHANT PROCESSING *SHAZAM Johnston, IA . . . . . . . . . . .......... (515) 288‑2828 MERGERS/ACQUISITIONS 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 *Financial Management Services Inc. (FMSI) Chuck: Overland Park, KS | (913) 955‑3355 See ad pg. 14 RETIREMENT PLANNING 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 *OptimaFI (Formerly QwickRate) Pam: Memphis, TN . . . . . . .......(800) 285‑8626 *RESULTS Technology Darla: Overland Park, KS . . . . ....(877) 435‑8877 *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 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 2026 Visit CBA online at cbak.com. 2025‑2026 CBA OFFICERS AND DIRECTORS Tanner Johnson Chairman Swedish-American Bank Steven Suellentrop Chairman‑Elect Legacy Bank Cheri Fahrback Secretary/Treasurer First National Bank of Hutchinson Joe Rottinghaus Immediate Past Chairman Conway Bank OFFICERS AND DIRECTORS DIRECTORS Bryce Brewer Peoples Bank & Trust Company Jeff Caudle Union State Bank Matt Engle Farmers State Bank Chris Floyd Dream First Bank Blake Jones Lyndon State Bank Brandon Lee Union State Bank Margaret Nightengale Grant County Bank Tom Sheik State Bank of Bern Irv Mitchell Past Chairman Wilson 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 22 In Touch
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This magazine is designed and published by MBR Connect | (801) 676-9722 Community Bankers Association of Kansas 5897 SW 29th St. Topeka, KS 66614 Change Service Requested Complete Coverage for Banking Institutions Diana Poquette Commercial Risk Advisor 402.499.1011 dpoquette@unicogroup.com Covering all of Nebraska, Kansas and Missouri Social Engineering Extended Coverage Enhancements No Annual Forms Financial Institution Bonds Updated Benefits and Enhancements Dependent Business Interruption Cyber Extortion Cyber Risk General Liability Commercial Property Umbrella Liability Workers’ Compensation Property & Casualty Broad Form With Regulatory Coverage 3 Year Policy Savings Employment Practices Liability Bankers Professional Liability Directors & Officers
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