2026 • Issue 5 5 Ways Financial Institutions Can Create More Value for Small Businesses
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©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 5 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 Customizing AI To Work for You By Rebeca Romero Rainey, President and CEO, ICBA 6 How To Avoid Typosquatting Scams By SHAZAM Inc. 8 5 Ways Financial Institutions Can Create More Value for Small Businesses By Leslie Chaffer, Vice President of Product Management, CSI 12 What to Do in the First 24 Hours After a Commercial Property Loss By UNICO Group 15 Record Municipal Issuance Infrastructure Necessity or Credit Warning Sign? By Dana Sparkman, CFA, Executive Vice PresidentMunicipal Analyst, The Baker Group 18 NICB Endorsed Partners 18 Associate Members 2026 6 8 12 NEBRASKA INDEPENDENT BANKER 3
FLOURISH Customizing AI By REBECA ROMERO RAINEY President and CEO, ICBA When it comes to artificial intelligence (AI) and the way it’s being deployed today, I’m struck by its potential for customization. We truly have a technology at our disposal that can be transformed into something that does what we need it to do, not just what it’s initially programmed to do. That distinction makes AI a game changer for community banks. We’re not a one-size-fits-all industry, and the strengths of AI play into that individualization. The power of AI is that we can tailor it to meet our needs. With so many different use cases and potential avenues for harnessing its impact, AI is truly one of the first technologies to provide a track for us to solve a problem or create an opportunity via an entirely personalized path. Thoughtful Experimentation We are now at a stage for AI experimentation. Certainly, we need to be mindful of the risks and challenges, but we also need to investigate how we use our human resources versus our technology resources. AI is an opportunity to be more intentional as we seek efficiencies in the back office, unlock customer-facing opportunities and learn the full scope of what it can do. TO WORK FOR YOU 4 NEBRASKA INDEPENDENT BANKER
By leaning into AI as a solution, we can be more efficient and effective and, at the same time, build stronger relationships with our customers and communities. Deployed strategically, AI will allow our teams to let go of routine, transactional tasks, creating more space for building the customer connections we are known for. ICBA Solutions So, have fun rolling up your sleeves and exploring this new technology. AI can be daunting, but at the same time, it brings with it enormous possibilities — and potential you need to unlock for your bank. To support you, ICBA has developed tools for your AI journey, including the ICBA AI Security Readiness Guide, which assesses the AI threat shift, explains what it means for local institutions, and gives tips on how to strengthen third-party due diligence and test incident-response plans, among other topics. You can also tap into a complimentary webinar that dives into the guide and how it helps your institution’s resilience and AI readiness. I invite you to use these and other insights found in our AI and Community Banking Resource Center to discover ways AI can better support your goals. Because AI is here to stay, and it’s up to us to embrace its power as part of the future of community banking. By leaning into AI as a solution, we can be more efficient and effective and, at the same time, build stronger relationships with our customers and communities. NEBRASKA INDEPENDENT BANKER 5
How To Avoid Typosquatting Scams By SHAZAM INC. Online banking, payment apps and investment tools make everyday financial tasks easier than ever. But the same convenience that helps accountholders also gives scammers new ways to take advantage of simple mistakes — like one mistyped letter in a web address. Learning how to avoid typosquatting scams can help accountholders protect their financial information online. What Is Typosquatting? Typosquatting, or URL hijacking, happens when cybercriminals register website addresses that look almost identical to trusted sites. They rely on users making small typing errors or clicking too quickly. These look-alike and fake banking websites can be convincing, and once someone lands on one, they may be prompted to enter login credentials or other sensitive financial information. 6 NEBRASKA INDEPENDENT BANKER
The good news is that a few simple habits can make a big difference in protecting accountholders and overall online banking security. How Do Typosquatting Scams Work? Typosquatting scams succeed because they take advantage of normal human behavior. We’re busy. We move quickly. And sometimes, one extra letter, a missing character or the wrong domain ending — such as “.org” instead of “.com” — is all it takes to send someone to the wrong site. Scammers don’t always need to break into systems. Sometimes, they just need someone to be in a hurry. How Can Financial Institutions Help Accountholders Stay Safer Online? Practicing safe online banking habits remains one of the most effective ways to reduce risk and avoid scams like typosquatting. Share these tips with accountholders to help them spot a fake website: • Bookmark trusted websites you use often. • Type web addresses carefully when entering them manually. • Use official mobile apps when available. • Avoid clicking links in unexpected emails or messages. • Be cautious with sponsored search results, which may lead to look-alike or fake banking websites. • Look for “https” and the padlock icon before entering sensitive information. • Pause and confirm the site is legitimate before signing in or sharing personal information. These steps may seem simple, but they work, especially as banking website scams become more polished and harder to detect. Fighting cybercrime doesn’t always require complex technology. Sometimes, scams can be avoided just by slowing down, checking details and making it harder for bad actors to exploit small mistakes. When accountholders build safe online habits, they can better protect their financial information and help strengthen online banking security. NEBRASKA INDEPENDENT BANKER 7
5 WAYS Financial Institutions Can Create More Value for Small Businesses 8 NEBRASKA INDEPENDENT BANKER
By LESLIE CHAFFER, Vice President of Product Management, CSI Small business owners wear a lot of hats. They want to focus on serving customers and growing their business, not chasing invoices or managing manual tasks. As a result, they’re not just asking, “Where should I bank?” They’re asking, “Who can help me run my business better?” The institutions that answer that question are better positioned to become the trusted partners today’s small businesses need to grow. Here are five ways financial institutions can create more value for their small business customers. 1. Help Businesses Manage Cash Flow More Effectively For most small businesses, cash flow is everything. A company may be profitable on paper, but if incoming payments are delayed or outgoing expenses arrive at the wrong time, it can create significant challenges. Consider a contractor waiting on payment from a completed project while payroll and supplier invoices are due at the end of the week. Even if revenue is coming in, a lack of visibility into available funds can make it difficult to plan ahead and make confident decisions. Situations like these are common and can quickly become a source of stress. This is where financial institutions have an opportunity to create real value. When business owners have a clear picture of where their money is going and confidence that funds will be available when needed, they can make decisions faster and plan for growth with greater certainty. The right financial partner helps remove some of the guesswork that comes with managing cash flow, giving owners more time to focus on customers, employees and the future of their company. 2. Help Businesses Move Money Safely As important as cash flow is, the security of those funds matters just as much. Today’s small businesses move money through more channels than ever before. Payments are sent digitally, invoices arrive electronically, and financial decisions often happen in real time. While that convenience has created new opportunities, it has also introduced new risks. Consider an owner who receives an email that appears to come from a trusted vendor requesting that payment information be updated. Everything looks legitimate until the payment is sent and the funds disappear into a fraudulent account. Situations like these have unfortunately become more common and have lasting financial consequences. In fact, the FBI reported nearly $2.8 billion in losses from business email compromise scams in 2024 alone, making it one of the most financially damaging forms of cyber fraud facing organizations today. For financial institutions, this is an opportunity to help protect customers by identifying suspicious activity and flagging potential threats before they escalate. In doing so, they can provide an added layer of security that organizations can depend on. When customers know their money is protected, they can focus less on managing risk and more on serving clients and pursuing growth opportunities. NEBRASKA INDEPENDENT BANKER 9
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3. Help Businesses Save Time Running a small business means balancing countless responsibilities, and even everyday banking tasks can become time-consuming distractions that pull owners and employees away from more important priorities. This is where financial institutions can become the difference maker their commercial customers are looking for. Something as simple as automating recurring payments can eliminate hours of manual work each month, allowing commercial customers to spend less time managing routine financial tasks and more time focused on tasks that really matter. When routine work is taken off an owner’s plate, it does more than save time. It helps them operate more efficiently and focus on higher-value priorities. Over time, those everyday conveniences help make the institution a more valuable part of their success. 4. Help Businesses Get More Value from Their Data Small businesses generate valuable data every day through payments, account activity and customer transactions. The challenge isn’t collecting that data. It’s turning it into something useful. Most small businesses don’t have the time to sort through spreadsheets or analyze financial trends on their own. They need tools that help them quickly understand what’s happening and identify opportunities to improve performance. Financial institutions can help by giving owners a clearer view of their financial health. Instead of digging through transactions and account balances, they can quickly see how money is coming in, where it’s being spent, and whether cash flow is trending in the right direction. Having that information readily available makes it easier to plan ahead and spot potential issues early. 5. Help Businesses Simplify Operations Running a company often means managing multiple systems at once. Banking, accounting, payroll and payments frequently exist in separate platforms, creating unnecessary complexity and making it harder to keep information connected. One way institutions can reduce complexity is by integrating banking services into the tools customers already use, creating a better experience and keeping critical financial information together. With fewer disconnected processes to manage, owners can spend less time tracking down information and more time focused on running their company. When more financial activity lives in one place, it’s easier to stay organized and make informed decisions. The Opportunity Ahead for Financial Institutions Small businesses have plenty of choices when selecting a primary financial institution. What they’re looking for isn’t necessarily another product, but a partner that helps them save time and operate more efficiently. By providing the right tools and experiences, financial institutions can move beyond transactional relationships and become an essential part of their customers’ long-term success. By providing the right tools and experiences, financial institutions can move beyond transactional relationships and become an essential part of their customers’ long-term success. NEBRASKA INDEPENDENT BANKER 11
By UNICO GROUP A commercial property loss can come without warning. Whether a fire breaks out overnight, a storm damages the roof or a pipe bursts and floods the building, the hours immediately following a loss have an outsized effect on the outcome of any insurance claim. Missteps during this period, including premature cleanup, delayed notice and poor documentation, can slow settlements, reduce payouts or, in some cases, jeopardize coverage altogether. This article provides business owners with a clear action plan for the first 24 hours after a commercial property loss. Ensure Safety First Before assessing damage or contacting the insurer, confirm the premises are safe. If the loss involves fire, structural damage or utility hazards such as a gas leak or downed electrical lines, contact emergency services before entering the building. Allow fire, police or utility personnel to clear the property before any staff, contractors or insurance representatives conduct an assessment. If the loss involves theft or vandalism, file a police report before doing anything else. Insurers routinely require a report number to open a claim for these types of losses. Notify Your Insurer and Broker Promptly Most commercial property policies require the insured to report a loss “as soon as practicable.” Prompt notice allows the insurer to investigate the loss, assess damage and begin the claims process. Delayed notice can create coverage complications and make claims more difficult to investigate. When calling the insurer’s claims line (most carriers offer 24/7 access), have the policy number, the date and time of the loss, and a brief description of the cause ready. Stick to the facts at this stage. Avoid speculating on the extent of damage or estimating repair costs before a professional assessment is completed. What to Do in THE FIRST 24 HOURS After a Commercial Property Loss 12 NEBRASKA INDEPENDENT BANKER
Following the call, send a written notice to the claims department. An email is generally sufficient. Written notice creates a clear record of when and how the notice was provided. In addition, notify the insurance broker or agent; they can help navigate the immediate steps, identify all potentially applicable coverages and intervene if claim handling becomes difficult. Once the claim is reported, record the claim number and the assigned adjuster’s contact information. Keeping this information organized from the outset can simplify future communications and help prevent delays. Document Everything Before Cleanup Begins Thorough documentation is the single most effective action a business owner can take in the first 24 hours. Claims disputes often hinge on the quality and availability of evidence, and cleaning up or making repairs before the adjuster arrives can permanently limit recovery. Take photos and video of all visible damage before touching anything, including the building exterior and interior, equipment, inventory, signage, structural elements and any standing water. Time-stamped digital files are ideal. In addition: • Preserve damaged property. Do not discard damaged inventory, equipment or building materials until the adjuster has inspected them. If disposal is necessary for health or safety reasons, photograph and catalog items first. • Keep a written log. Record the date and time of the loss, descriptions of all damage observed and notes from every conversation with the insurer. This log becomes a useful reference throughout the claims process. • Pull pre-loss documentation. If photos, security footage or prior inspection records exist, preserve and flag them for the adjuster. Pre-loss documentation strengthens the comparison with post-loss conditions. • Preserve invoices, maintenance records, repair estimates and other documentation. These records may become important as the claim progresses. Take Reasonable Steps to Prevent Further Damage Commercial property policies include a duty to mitigate, requiring the insured to take reasonable protective measures to prevent further loss. Failure to do so can result in a reduced settlement or denial of coverage for the portion of the damage that could have been avoided. Common mitigation measures include tarping a damaged roof, boarding up broken windows and doors, shutting off water or gas at the main and extracting standing water. These are temporary protective actions, not permanent repairs. Avoid major reconstruction or disposal of damaged materials until the insurer has had a reasonable opportunity to inspect the loss. If emergency work or debris removal is necessary for safety reasons, document conditions thoroughly beforehand and notify the insurer as soon as possible. Keep all receipts for emergency mitigation expenses. Most commercial property policies reimburse these costs when properly documented. Start Tracking the Business Impact If the loss forces a full or partial suspension of operations, business income coverage may apply. The restoration period, the timeframe during which lost income is covered, generally begins at the time of the direct physical loss. However, business owners should review their policy terms or consult their broker to understand how business income coverage applies to their specific loss. Begin documenting the business impact as soon as possible. This includes sales that could not be completed, orders canceled, employees idled and extra expenses incurred to continue or temporarily relocate operations. Pull recent financial records, including revenue and payroll data, to establish a pre-loss baseline. This documentation is the foundation for any business income calculation. Conclusion The steps taken in the first 24 hours after a commercial property loss shape everything that follows, including the adjuster’s assessment, the speed of the settlement and the total amount recovered. Securing the property, promptly notifying the insurer, thoroughly documenting damage and taking steps to prevent further loss are all best practices and policy obligations that protect the insured’s right to a full and fair recovery. Contact us today to review your commercial property coverage and discuss how your business can be better prepared before a loss occurs. This article is not intended to be exhaustive, nor should any discussion or opinions be construed as legal advice. Readers should contact legal counsel or an insurance professional for appropriate advice. NEBRASKA INDEPENDENT BANKER 13
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Infrastructure Necessity or Credit Warning Sign? By DANA SPARKMAN, CFA, Executive Vice President-Municipal Analyst, The Baker Group Municipal issuance is on pace for a third consecutive record year, with dealers forecasting roughly $600 billion of new supply in 2026 after 2025’s record of about $580 billion. For municipal bondholders, the question is not whether the market can absorb the supply — so far, it has. Rather, the question is whether the debt being issued to fund this infrastructure wave is being taken on prudently at the issuer level, or whether it is quietly eroding the credit cushion that underpins the municipal market’s safe reputation built on extremely low default rates and the security of taxing power and essential services. Why Debt Levels Are Rising As demonstrated in the chart below, aggregate municipal debt outstanding has shrunk by roughly 16% in inflation-adjusted terms since 2005, even as GDP, state and local tax revenue, and personal income have grown by 38% or more. RECORD MUNICIPAL ISSUANCE NEBRASKA INDEPENDENT BANKER 15
However, several forces are converging to push both debt levels and debt service costs higher. First, aging infrastructure needs to be replaced. The American Society of Civil Engineers’ latest report card shows the national infrastructure funding gap widening to $3.7 trillion, up from $2.6 trillion four years earlier. Second, demand for additional infrastructure is adding to that burden. For example, public power utilities are raising capital to meet AI-driven data center load, population migration necessitates more capital investment in some areas like Texas and Florida, and physical mitigants to manage climate risk are increasingly important. Meanwhile, the federal support that has let issuers avoid debt in recent years is fading. Pandemic-era stimulus funding for pay-as-you-go capital projects has run out, leading to a larger proportion of capital projects needing to be funded with bond proceeds. Timing compounds the problem as both construction costs and borrowing rates are elevated. Many issuers delayed projects as interest rates rose, expecting a pullback that never fully came, and are now financing those same plans at rates well above what they could have locked in a few years earlier. At the same time, inflation has driven up construction costs rapidly, making these projects much more expensive. That said, higher debt isn’t inherently a problem for every issuer. Many municipalities are currently well-positioned with high reserves, strong revenue sources and conservative budgeting practices, but also have legitimate needs to increase leverage. However, risk arises from debt and associated costs outpacing an issuer’s capacity to manage them, particularly if additional capital needs keep surfacing while revenue and reserve growth slow or reverse. The following are some credit indicators to help manage that risk. Credit Indicators to Monitor • Debt-load metrics. Materially rising per-capita debt and debt-to-assessed ratios signal a tax base being asked to support more debt without a commensurate increase in capacity. Overlapping debt is also enlightening, as a taxpayer within overlapping jurisdictions can carry a much heavier load than any single issuer’s balance sheet would suggest. • Reserve erosion relative to debt service. Watch the general fund balance relative to annual debt service, and whether the issuer is drawing down reserves to cover recurring operating costs rather than one-time items. • Taxpayer concentration. If a small number of taxpayers account for a large share of assessed value, the credit is more fragile than the aggregate numbers imply. The departure or downsizing of a large employer or taxpayer can materially affect the tax base. • Tax collection rate. A decreasing collection rate is an important distress signal — it reflects real-time taxpayer stress and local administrative capacity to enforce collections. • Disclosure and administrative behavior. Late or missing continuing disclosure filings, delayed audits or qualified/adverse audit opinions tend to correlate with weaker management generally, and non-compliance itself can raise an issuer’s cost of funds independent of the underlying credit. • Low or falling coverage ratio on revenue bonds. An issuer that repeatedly issues new parity debt against the same revenue stream dilutes its debt coverage. A low coverage ratio leaves less cushion to absorb a revenue shortfall before payment is at risk. The Bottom Line Infrastructure investment is genuinely needed, and the municipal bond market remains a proven avenue for funding it, with historically solid credit quality. The recent pickup in issuance appears to be a normalization of debt levels, but investors should stay vigilant. Debt raised against durable, well-supported revenue is different than debt raised against optimistic assumptions or by issuers already in a fragile financial state. Instead of evaluating a debt increase in isolation, investors should comprehensively analyze the issuer’s ability to sustainably carry the additional debt. The Baker Group’s credit analysts are available to help you apply this framework to specific issuers in your portfolio. Dana Sparkman, CFA, is executive vice president-municipal analyst in The Baker Group’s Financial Strategies Group. She manages a municipal credit database covering more than 300,000 municipal bonds, providing clients with specific credit metrics essential for assessing municipal credit. Dana earned a bachelor’s degree in finance from the University of Central Oklahoma and the Chartered Financial Analyst designation. Contact her at The Baker Group by calling (800) 937-2257. 16 NEBRASKA INDEPENDENT BANKER
Is your community bank skilled up? Meet Cindy. Cindy is the voice on the other end of the phone when bankers call about ICBA Education’s bank director program, webinars, and other educational offerings. She takes the time to talk through bankers’ professional goals, next steps, and ICBA’s available options (all at a discount to members). In the evenings and on the weekends, she can be found on her 150-acre farm in Central Minnesota or spending time with family and friends visiting and supporting our community. Are your bankers educated because they have Cindy as a resource? Learn more at icba.org/education
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Established in 1980, Bankers’ Bank of the West has been serving community banks for over 45 years as a trusted, non-competing partner, grounded in strong relationships, industry expertise, and a long-term perspective. As the financial landscape continues to evolve, we remain focused on helping our partners stay relevant and competitive through purposeful innovation, operational efficiency, and responsive, experienced support, while staying true to the core values that have guided us since the beginning. EXPERT LOAN REVIEW SERVICES • Independent loan reviews. • Strategic, compliance, and growth consulting. • Helping banks strengthen credit quality, manage risk, and plan confidently for expansion and succession. • Community banks deserve a partner as dependable and resilient as the communities they serve. • Assessing wire transfer risks • Delivering compliant backup solutions. • Trusted support, expert guidance, and service every step of the way. BUSINESS CONTINUITY OPTIONS We have BRIDGE! A secure online portal for ACH, wires, reporting, OFAC screening, anomaly detection, SFTP, file transfers, and seven-year archiving. Bill Mitchell BBWest, CEO & Vice Chair Jim Swanson President, Bank Strategies, LLC. Anne Benigsen President, CivITas Bank Solutions, LLC. EST 1980 OVER 45 YEARS OF EXPERTISE We Champion Community Banking! 800-873-4722 | NE: 888-467-5544 | www.bbwest.com • Vulnerability scans. • Penetration testing. • Phishing simulations and IT consulting. • Plus, monitoring and training. • Policy reviews. • Board advisory support to strengthen your bank’s security posture. COMPREHENSIVE CYBERSECURITY SERVICES
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