OVER A CENTURY: BUILDING BETTER BANKS — HELPING NEW MEXICO REALIZE DREAMS The mission of the New Mexico Bankers Association (NMBA) is to serve member bank needs by acting as New Mexico banking’s representative to government, the public and the industry; providing resources, education and information to enhance the opportunities for success in banking; promoting unity within the industry on common issues; and seeking to improve the regulatory climate to the end that banks can profitably compete in the providing of financial and related products and services. ©2026 New Mexico Bankers Association (NMBA) | MBR Connect, formerly The newsLINK Group LLC. All rights reserved. New Mexico Bankers Digest is published four 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 NMBA, 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. New Mexico Bankers Digest is a collective work, and as such, some articles are submitted by authors who are independent of NMBA. 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 (855) 747-4003. PRESIDENT’S MESSAGE 4 New Mexico Bankers: A Step Above the Rest By Max Myers, President, New Mexico Bankers Association EXECUTIVE VICE PRESIDENT’S MESSAGE 6 A Productive Visit to Washington By John W. Anderson, Executive Vice President, New Mexico Bankers Association WASHINGTON UPDATE 8 Banking Can Bridge the Political Divide By Rob Nichols, President and CEO, American Bankers Association 10 When Foreign Policy Becomes Domestic Policy By Mark Anderson, Legal and Legislative Assistant, New Mexico Bankers Association 13 Why SBA Lending Holds Steady When the World Does Not By Christopher Myers, CEO, B:Side Capital and B:Side Fund 14 Housing New Mexico Funding Impacts 18,000 Families and Homes $740 Million in Housing Support Provided in Fiscal Year 2025 By Kristie Garcia, Director of Communications & Marketing, Housing New Mexico 16 Driving Community Prosperity With Reciprocal Deposits By Joe Hooker, Chief Sales Officer, IntraFi 18 Citi Announces $60 Billion Commitment to Enhance Housing Affordability 21 How Middle Market Companies Are Preparing for the Year Ahead By Laura Simmons, New Mexico Division Sales Executive, Wells Fargo Commercial Banking 22 SW Graduate School of Banking Announces 2026 Programming Our Mission CONTENTS 2025-2026 NMBA Board of Directors President Max Myers Century Bank 100 S. Federal Pl. Santa Fe, NM 87501 President-Elect Aaron Emmert Pioneer Bank 3000 N. Main St. Roswell, NM 88201 Secretary-Treasurer Elizabeth Earls Capra Bank 400 Tijeras Ave. NW Albuquerque, NM 87102 Immediate Past President Kyle Beasley Bank of Albuquerque 100 Sun Ave. NW, Ste. 500 Albuquerque, NM 87109 Executive Vice President John Anderson NM Bankers Association 7801 Academy Rd. NE, Bldg. 2, Ste. 202 Albuquerque, NM 87109 TERMS EXPIRING 2026 Scott Czarniak First National 1870 7300 Jefferson St. NE Albuquerque, NM 87109 J. Chesley Steel Southwest Capital Bank 1410 Central Ave. SW Albuquerque, NM 87104 Sheila Matthews Four Corners Community Bank 500 W. Main St., Ste. 101 Farmington, NM 87401 TERMS EXPIRING 2027 Nicole Noto Wells Fargo Bank N.A. 200 Lomas Blvd. NW, 12th Fl. Albuquerque, NM 87102 Jay Jenkins CNB Bank PO Box 1359 Carlsbad, NM 88220 Jason Wyatt Western Commerce Bank 212 N. Canal St. Carlsbad, NM 88220 TERMS EXPIRING 2028 Paul Mondragon Bank of America 2125 Louisiana Blvd., Ste. 120 Albuquerque, NM 87110 Mark Horn Pinnacle Bank PO Box 1729 Gallup, NM 87305 Ken Clayton Western Bank 320 W. Texas St. Artesia, NM 88210 3
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