10 ©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 5 Take a Look INSIDE 12 18 NICB Executive Committee 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 Rick Heckenlively Points West Community Bank Sidney PRESIDENT’S MESSAGE 4 Strengthening Our Community, Together By Dexter Schrodt, President and CEO, NICB FLOURISH 6 Conversations Must Determine Our Innovation Budgets By Rebeca Romero Rainey, President and CEO, ICBA PORTFOLIO MANAGEMENT 8 High Anxiety Yield Curve Shape Reflects Bond Market’s Mood By Jim Reber, CPA, CFA, President and CEO, ICBA Securities 10 The Rising Threat of Deepfake Scams By Brandie Thacker, President & CEO, EPCOR 12 Leadership in Times of Crisis 14 Belief Is the Last Backstop What Easing Bank Capital Rules Really Means for the Treasury Market By Christopher Myers, CEO, B:Side Capital and B:Side Fund 16 Balancing AI-Driven AML With Human Control By Jessica Tirado, CSI 18 Credit Stress Contingencies Why Wait Until It Comes? By David Ruffin, Principal, IntelliCredit®, a Division of QwickRate 20 The Evolving Deposit Landscape What You Need to Know By PCBB 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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