21 CONTENTS 7 14 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 2026 PUB. 5 ISSUE 3 4 Support the ICBC’s Associate Members! 5 ICBC Preferred Providers FLOURISH 6 Service: the Heart of the Community Bank Difference By Rebeca Romero Rainey, President and CEO, ICBA FROM THE TOP 7 Redefining Succession as Legacy By Alice P. Frazier, ICBA Chair, President & CEO, Potomac Bank 9 Markets, Missiles and Monetary Policy What Today’s Headlines Mean for Banks’ 401(k) Plans By Isaac Coutier, CPFA, Investment Advisor, Impact Retirement Advisors, ICBC Associate Member 10 Mean Reversion: Bond Yield Relationships Are Looking Familiar, Finally By Jim Reber, Managing Director-ICBA Relations, The Baker Group, ICBC Associate Member 12 5 Ways Financial Institutions Can Create More Value for Small Businesses By Leslie Chaffer, Vice President of Product Management, CSI, ICBC Associate Member 14 Digital Innovations That Enhance Customer Experience Four Competitive Advantages for Financial Institutions By ICI Consulting, ICBC Preferred Provider and ICBC Associate Member 16 The Housing Act’s New Reciprocal Deposit Legislation What It Means for American Banks By Joe Hooker, Chief Sales Officer, IntraFi, ICBC Associate Member 18 What Rising Costs Mean for Financial Institutions in 2026 By Guy Becker, President & CEO, Kristopher James Company, ICBC Associate Member 21 The Future of Deposit Processing How AI Will Transform Bank and Credit Union Operations By Wendi Klein, VP Marketing, Alogent, ICBC Associate Member 22 Developing People Is the Key to Successful Succession Planning By Connie West, Gallup Certified Strengths Coach, High-Performance Coach, Regional Vice President, The James Paul Group, ICBC Associate Member 23 Crypto and Community Banks: Weighing the Opportunity, Cost and Risk By Kurt Leeper, Partner, Otteson Shapiro, ICBC Silver Associate Member INDEPENDENT REPORT | 3
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