2025 Pub. 4 Issue 1

Flourish: Striking Balance in 2025	4
From the Top: Why Advocacy Should Be a Top Priority in 2025	6
Banker Showcase	8
Portfolio Management: Will the Wave Return?	10
ICBA LIVE	13
The Case for Personalized Digital Marketing at Community Banks	14
Setting the Stage for Success in 2025	18
Too Many Vendors? Consolidate to One Trusted Partner!	21
Tapping Into SBA Refinancing	25
NICB Endorsed Partners	27
Associate Members 2025	27

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