2025 has proven to be a crossroads for banking operations. As budgets tighten and threats multiply, the gap between early adopters and high-performing operators is widening. Community banks that invest in connecting process, people and technology rather than just chasing features are already demonstrating improved working capital, more efficient use of liquidity and a stronger reputation for operational resilience. The next chapter in cash management will reward those willing to move beyond the basics and align transformation across the enterprise. To continue this discussion, or for more information, please contact Michael A. Johnson at mjohnson@pcbb.com or visit www.pcbb.com. Dedicated to serving the needs of community banks, PCBB’s comprehensive and robust set of solutions includes cash management services such as settlement and liquidity for the FedNow Service, international services, lending solutions and risk management advisory services. PCBB was recognized by American Banker as one of the “Best Banks to Work For” in 2024. Continued from page 16 YOUR FAMILY COMES FIRST. HTRUST.COM ∙ 575.758.7700 ∙ NEW MEXICO Offices in Taos, Santa Fe & Albuquerque We are a state-chartered, locally-owned, independent trust company, devoted to families & their advisors. 18
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