OVER A CENTURY: BUILDING BETTER BANKS — HELPING NEW MEXICO REALIZE DREAMS Our Mission 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. 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 (801) 676-9722. 4 PRESIDENT’S MESSAGE An Exceptional NMBA Annual Convention By Max Myers, President, New Mexico Bankers Association 5 114th Annual Convention Wrap-Up 6 EXECUTIVE VICE PRESIDENT’S MESSAGE Leading New Mexico Bankers Forward By John W. Anderson, Executive Vice President, New Mexico Bankers Association 8 WASHINGTON UPDATE The Legacy of American Banking By Rob Nichols, President and CEO, American Bankers Association 10 A Stress Test for America’s Legal System By Mark Anderson, Legal and Legislative Assistant, New Mexico Bankers Association 11 NMBA’s Mark Anderson Receives Statewide Writing Award 12 Three Questions Banks Should Ask About Moving Deposits Off Balance Sheet A Strategic Decision — NOT a Reaction By H.D. Barkett, Senior Managing Director, IntraFi 14 Tokenized Deposits vs. Stablecoins Understanding the Difference By Michael A. Johnson, SVP & Southwest Regional Manager, PCBB 16 Housing New Mexico Recognizes Its 2026 Top Lenders Helping Thousands of New Mexico Families Become Homeowners Each Year By Kristie Garcia, Housing New Mexico 19 Stronger Together Joining Forces to Advance Payments and Financial Access By Jeff Foote, CTP, President & CEO, and Lonnie C. Talbert, Chief Industry Executive, ePayResources 21 IN MEMORIAM Bob Forrest 21 SW Graduate School of Banking Announces 162nd Assembly for Bank Directors 22 B:Side Assist Launches AI‑Powered Financial Platform for Small Business Owners CONTENTS 2026-2027 NMBA Board of Directors President Aaron Emmert Pioneer Bank 3000 N. Main St. Roswell, NM 88201 President-Elect Liz Earls Capra Bank 400 Tijeras Ave. NW Albuquerque, NM 87102 Secretary-Treasurer Scott Czarniak First National 1870 7300 Jefferson St. NE Albuquerque, NM 87109 Immediate Past President Max Myers Century Bank 100 S. Federal Pl. Santa Fe, NM 87501 Executive Vice President John Anderson NM Bankers Association 7801 Academy Rd. NE, Bldg. 2, Ste. 202 Albuquerque, NM 87109 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 TERMS EXPIRING 2029 Richard Rowley Bank of Clovis 300 Main St. Clovis, NM 88101 Sheila Mathews Four Corners Community Bank 500 W. Main St., Ste. 101 Farmington, NM 87401 J. Chesley Steel Southwest Capital Bank 1410 Central Ave. SW Albuquerque, NM 87104 3
RkJQdWJsaXNoZXIy MTg3NDExNQ==