©2026 Nebraska Independent Community Bankers (NICB) | MBR Connect™. All rights reserved. The Nebraska Independent Banker is published six times per year 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 (801) 676-9722. 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. 2026 • Issue 4 Take a Look INSIDE 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 FLOURISH 4 Service: The Heart of the Community Bank Difference By Rebeca Romero Rainey, President and CEO, ICBA PORTFOLIO MANAGEMENT 6 Playing Under Par Community Banks Should Take a Page Out of the Golfer’s Playbook By Dillon Wiedemann, Senior Vice President of the Financial Strategies Group, The Baker Group 9 Proactive Planning for CRA Success By William J. Showalter, CRCM, CRP, Senior Consultant, Young & Associates Inc. FRAUD WATCH 12 When Your Bank Is Where the Money Lands By Scott Anchin, Senior Vice President, Strategic Initiatives and Policy, ICBA 15 Endpoint Detection in Modern Banking Strengthening the First Line of Defense By Sean Martin, Director of Product Strategy for Managed Services, CSI 18 NICB Endorsed Partners 18 Associate Members 2026 6 12 15 NEBRASKA INDEPENDENT BANKER 3
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