22 CONTENTS 8 16 CONNECT Email us mlewis@icbcolo.org Like us on Facebook ICBColo Connect with us ICBColo Follow us on X ICBColo Give us a call (303) 832-2000 Follow us on Instagram ICBColo 2025 PUB. 4 ISSUE 6 4 Support the ICBC’s Associate Members! 5 ICBC Preferred Providers FLOURISH 6 Rising Concerns Over National Bank Trust Charters By Rebeca Romero Rainey, President & CEO, ICBA FROM THE TOP 7 Digital Banking for the Modern Age By Jack E. Hopkins, Chairman, ICBA 8 52nd Annual Convention Recap Camp ICBC — Where Colorado Community Banks Thrive ASSOCIATE GOLD MEMBER SPOTLIGHT 12 Richey May A Conversation with Michael Nouguier and Brent Murray 14 ATM Jackpotting Trends in the Mountain West A Growing Threat to Community Banks — What You Can Do To Mitigate the Risk By Wade Zirkle, President & CEO, BluePoint ATM Solutions, ICBC Preferred Provider and ICBC Associate Member 16 Making a List, Checking It Twice Year-End Is Approaching. Here Are Some Seasonal Reminders. By Jim Reber, President & CEO, ICBA Securities, ICBC Preferred Provider and ICBC Associate Member 18 Strengthening Franchise Value Why Community Banks Are Growing Their Use of Reciprocal Deposits By Joseph Hooker, Chief Sales Officer, IntraFi, ICBC Associate Member 20 ICBA LIVE San Diego March 6-9, 2026 21 AI — It’s Not Just for Drafting Your Holiday Updates Why Every Colorado Bank Needs an AI Policy Now By Jenny Small, Partner, Otteson Shapiro, ICBC Associate Member 22 Digital Transformation in Banking The Role of Cybersecurity in Modern Banking By Chad Knutson, CEO, SBS CyberSecurity, ICBC Preferred Provider and ICBC Associate Member INDEPENDENT REPORT | 3
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