2026 Pub. 5 Issue 3

Flourish: Service: the Heart of the Community Bank Difference	6
From the Top: Redefining Succession as Legacy	7
Markets, Missiles and Monetary Policy	9
Mean Reversion: Bond Yield Relationships Are Looking Familiar, Finally	10
5 Ways Financial Institutions Can Create More Value for Small Businesses	12
Digital Innovations That Enhance Customer Experience	14
The Housing Act’s New Reciprocal Deposit Legislation	16
What Rising Costs Mean for Financial Institutions in 2026	18
The Future of Deposit Processing	21
Developing People Is the Key to Successful Succession Planning	22
Crypto and Community Banks: Weighing the Opportunity, Cost and Risk	23

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