4 ©2025 Nebraska Independent Community Bankers (NICB) | The newsLINK Group LLC. All rights reserved. The Nebraska Independent Banker is published six times per year by The newsLINK Group LLC for NICB 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 NICB, 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. The Nebraska Independent Banker is a collective work, and as such, some articles are submitted by authors who are independent of NICB. 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. Nebraska Independent Community Bankers 1201 Lincoln Mall, Ste. 103 Lincoln, NE 68508 (402) 474-4662 nicbonline.com The Nebraska Independent Banker is a publication of The Nebraska Independent Community Bankers Association. 2025 • Issue 2 Take a Look INSIDE 6 18 NICB Executive Committee CHAIRMAN Rick Heckenlively Points West Community Bank Sidney CHAIRMAN ELECT Dave Ochsner Commercial Bank Nelson VICE CHAIRMAN Jim Niemeier Citizens State Bank Friend PRESIDENT/CEO Dexter Schrodt SECRETARY Kelly Lenners First State Bank Nebraska Pickrell TREASURER Arnold Lowell CerescoBank Ceresco IMMEDIATE PAST CHAIRMAN Corby Schweers Elkhorn Valley Bank Wayne FLOURISH 4 Amplifying the Community Bank Difference By Rebeca Romero Rainey President and CEO, ICBA 6 Concepts and Facts ChatGPT Gets it Mostly Right on Yield Curve Shapes By Jim Reber, President and CEO, ICBA Securities 8 Crypto Scams and Crypto Fraud Detection for Financial Institutions By Terri Luttrell, CAMSAudit, CFCS, Compliance and Engagement Director, Abrigo 12 The Section 1033 Final Rule Providing Community Banks With the Perfect Innovation Opportunity By Bradley Wallace, Director of Compliance, CSI 15 Three Tips to Build Your Case for Regulatory Change Automation By Wolters Kluwer 18 7 Questions Banks Should Ask a Potential Fintech Partner By BHG Financial Institutional Network 21 How Employee Development Can Help Community Banks Grow Deposits Deposits Through Development By Connie West, Gallup Certified Strengths Coach, Regional Vice President, The James Paul Group 22 NICB Endorsed Partners 22 Associate Members 2025 23 Banker Showcase We Want to Feature You in Our Next Issue of The Nebraska Independent Banker!
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