26 23 7 2 SAVE THE DATE 2025 MIB Women in Banking Conference 4 PRESIDENT’S MESSAGE Mentorship and Connection By Loren Brown, President, MIB 7 EXECUTIVE DIRECTOR’S MESSAGE Honored to Serve as the New Executive Director of MIB By Shane Scanlon, Executive Director, MIB 10 FLOURISH Conversations Must Determine Our Innovation Budgets By Rebeca Romero Rainey, President and CEO, ICBA 11 FROM THE TOP Turning Vendors Into Partners With ICBA By Jack E. Hopkins, Chairman, ICBA 12 Part 1: Beyond the Bonus How to Attract Long‑Term Account Holders By ADVANTAGE 13 SAVE THE DATE University of Montana Tailgate 14 Compliance Q&A By Bill Showalter, Senior Consultant, Young & Associates Inc. 18 FRAUD WATCH How To Prevent Wire Fraud By Scott Anchin, Senior Vice President of Strategic Initiatives and Policy, ICBA 20 Tom Keenan of Keenan & Partners MIB’s 2025 Outstanding Associate Member 23 Part 2: From Transactions to Trust Deepening Account Holder Relationships By ADVANTAGE 26 2025 MIB Convention & Trade Show Round Up 28 2025 MIB Membership Directory 28 MIB Associate Member Banks 29 MIB Associate Member Resource Guide 30 MIB Upcoming Events 31 Bank Training Webinars Contents SUMMER 2025 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 Mike Hawthorne First Montana Bank, Missoula Logan Hensley Valley Bank of Kalispell Brice Kluth First State Bank of Shelby Scott Mizner American Bank, Bozeman 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 Shane Scanlon, Executive Director Montana Independent Bankers shane.d.scanlon@gmail.com ©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 shane.d.scanlon@gmail.com mibonline.org Community Banker 3
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