©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
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