10 2025 MIB EXECUTIVE OFFICERS Loren Brown, President Ascent Bank, Helena lbrown@ascentbank.com Amber Brown, Vice President Peoples Bank of Deer Lodge abrown@pbdl.net Clinton Gerst, Secretary Bank of Bozeman cgerst@bankofbozeman.com Laura Clark, Treasurer Opportunity Bank lclark@oppbank.com Tim Schreiber, Immediate Past President Farmers State Bank tims@farmersebank.com Kenny Martin, ICBA State Director Independence Bank, Helena kennym@ibyourbank.com 2025 MIB BOARD OF DIRECTORS Tom Christnacht First Security Bank of Deer Lodge Bill Coffee Stockman Bank, Miles City Daniel Day Bank of Montana, Missoula Shawn Dutton First Security Bank of Roundup Logan Hensley Valley Bank of Kalispell Brice Kluth First State Bank of Shelby Scott Mizner American Bank, Bozeman Mike Moore Stockmens Bank, Cascade Joel Rosenberg Three Rivers Bank of Montana, Kalispell Andrew West Eagle Bank, Polson Phil Willett Pioneer Federal Savings and Loan, Dillon ASSOCIATE BOARD MEMBER Ryan Fritz Citizens Alliance Bank rfritz@citizensalliancebank.com MIB STAFF Jim Brown, Esq., Executive Director Montana Independent Bankers jbrown@mibonline.org ©2025 The Montana Independent Bankers Association (MIB) | The newsLINK Group LLC. All rights reserved. Community Banker is published four times per year by The newsLINK Group LLC for MIB 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 MIB, 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. Community Banker is a collective work, and as such, some articles are submitted by authors who are independent of MIB. 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. Montana Independent Bankers 1812 11th Ave. PO Box 4893 Helena, MT 59604 (406) 449-7444 jbrown@mibonline.org mibonline.org 8 6 PRESIDENT’S MESSAGE 4 Finding Joy in the Storm By Loren Brown, President, MIB EXECUTIVE DIRECTOR’S MESSAGE 6 Promoting Community Banking Across Montana By James E. Brown, Esq., Executive Director, MIB FLOURISH 8 Striking Balance in 2025 By Rebeca Romero Rainey, President and CEO, ICBA FROM THE TOP 9 Why Advocacy Should Be a Top Priority in 2025 By Lucas White, Chairman, ICBA 10 Yield Enhancer or Gimmick? Callable Securities Present Risk and Reward By Jim Reber, President and CEO, ICBA Securities 11 Convention & Trade Show Save the Date! FEATURED ASSOCIATE MEMBER 12 Pinion By Angela Murdo, Principal and Financial Institution Business Advisor, Pinion 14 Bankers Day at the Capitol 15 What Never Changes at the FHLB By Joe Kesler, Member Director, FHLB Montana 17 Checking Your BSA Program Is More Important Than Ever By William J. Showalter, CRCM, CRP, Senior Consultant, Young & Associates Inc. 20 Member News 20 MIB Upcoming Events 22 Business Perpetuation Plans By Shaun McChesney, Marsh McLennan 24 2024 MIB Membership Directory 25 MIB Associate Member Resource Guide 26 MIB Associate Member Banks 27 Bank Training Webinars Contents WINTER 2025
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