2025 Pub. 4 Issue 4

President’s Message: A Season for Community	4
Flourish: Empowering Our Nation’s Small Businesses	6
Portfolio Management: High Plains Drifter	8
Creating Change With Grasstops Advocacy	10
Generative AI in Credit Risk Management	14
Is It Time to Realign Your Legacy Consumer Liquidity Strategy?	16
New Survey: Fraud May Be Down, But the Stakes for Financial Institutions Remain High	18
NICB Endorsed Partners	22
Associate Members 2025	22
Banker Showcase	23

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