6 ©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 6 Take a Look INSIDE 11 20 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 Closing the Year with Purpose and Momentum By Dexter Schrodt, President and CEO, NICB FLOURISH 6 Rising Concerns Over National Bank Trust Charters By Rebeca Romero Rainey, President and CEO, ICBA PORTFOLIO MANAGEMENT 8 Making a List, Checking It Twice Year-End Is Approaching. Here Are Some Seasonal Reminders. By Jim Reber, CPA, CFA, President and CEO, ICBA Securities 11 AI-Driven Elder Fraud Deepfakes: The Newest Threat By Terri Luttrell, CAMS‑Audit, CFCS, Compliance and Engagement Director, Abrigo 14 Your Board’s Cybersecurity Oversight Probably Isn’t Good Enough By Steve Sanders, Chief Risk Officer and Chief Information Security Officer, CSI 17 The Future of AI in Banking Exploring Opportunities and Overcoming Challenges By Patrick Murphy, President, RESULTS Technology 20 Embracing Innovation Banking Digital Assets Beyond GENIUS By Kirstin D. Kanski and Alex R. Schoephoerster, Spencer Fane LLP 24 Choosing the Right Retirement Plan for Your Small Business SEP, SIMPLE, or Individual (k)? By Jodie Norquist, CIP, CHSP, Ascensus 26 NICB Endorsed Partners 26 Associate Members 2025 27 Banker Showcase We Want to Feature You in Our Next Issue of The Nebraska Independent Banker! NEBRASKA INDEPENDENT BANKER 3
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