2025 Pub. 13 Issue 4

President’s Message: Wins Worth Celebrating	4
Executive Director’s Message: New Partnerships and Opportunities	6
Flourish: Battling the Many Faces of Fraud, Together	8
Compliance Q&A	10
MIB Featured Associate Member: BankOnIT	14
Portfolio Management: The Rule of Three	16
What Community Bankers Need To Know About the End of Penny Production	18
University of Montana Tailgate Round Up	20
2026 MIB Associate Membership Renewal	23
MIB Women in Banking Conference Recap	24
Pioneer Federal Savings and Loan Association Adopts Plan of Conversion	27
2025 MIB Membership Directory	28
MIB Associate Member Banks	28
MIB Associate Member Resource Guide	29
Bank Training Webinars	30

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