2025 Pub. 4 Issue 5

President’s Message: Strengthening Our Community, Together	4
Flourish: Conversations Must Determine Our Innovation Budgets	6
Portfolio Management: High Anxiety	8
The Rising Threat of Deepfake Scams	10
Leadership in Times of Crisis	12
Belief Is the Last Backstop	14
Balancing AI-Driven AML With Human Control	16
Credit Stress Contingencies	18
The Evolving Deposit Landscape	20
NICB Endorsed Partners	22
Associate Members 2025	22
Banker Showcase	23

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