2025 Pub. 4 Issue 6

President’s Message: Closing the Year with Purpose and Momentum	4
Flourish: Rising Concerns Over National Bank Trust Charters	6
Portfolio Management: Making a List, Checking It Twice	8
AI-Driven Elder Fraud	11
Your Board’s Cybersecurity Oversight Probably Isn’t Good Enough	14
The Future of AI in Banking	17
Embracing Innovation	20
Choosing the Right Retirement Plan for Your Small Business	24
NICB Endorsed Partners	26
Associate Members 2025	26
Banker Showcase	27

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