OFFICIAL PUBLICATION OF KANSAS BANKERS ASSOCIATION MARCH/APRIL ISSUE 2 2025 2025 Pioneer Award Winner Tim Ohlde WASHINGTON UPDATE Celebrating a Legacy of Collaboration 2025 Robbins Banking Institute Lecture Series
©2025 The Kansas Bankers Association (KBA) | The newsLINK Group LLC. All rights reserved. The Kansas Banker is published six times per year by The newsLINK Group LLC for KBA 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 KBA, 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 Kansas Banker is a collective work, and as such, some articles are submitted by authors who are independent of KBA. 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. Executive Doug Wareham, President & CEO Kathy Taylor, JD, EVP, General Counsel Terri Thomas, JD, EVP, Legal Services Director Alex Greig, President, KBA Insurance, Inc. Brenda L. Unruh, EVP, Education & Conferences, Strategic Partnerships Alex Orel, EVP, Government Relations Administration Eric Stofer, SVP, Chief Financial Officer Sara Blubaugh, SVP, Administration & Board Secretary Kelly VanZwoll, JD, SVP, Government Relations/Staff Attorney Julie Taylor, VP, Computer & Information Systems Manager J.W. Wells, Ag Division Coordinator, Government Relations Assistant Rayanna Breashears, Administration & Special Projects Coordinator Emma Thompson, Admin Intern Education & Conference LeAnn Mott, VP, Education & Conferences Natalie Wareham, AVP, Education & Conferences Alana Seelbach, AVP, Events/Office Coordinator Communications & Marketing Mary Taylor, SVP, Director of Communications & Marketing Bree Hull, AVP, Communications & Marketing Insurance Elizabeth Roche, SVP, Employee Benefits Administration, KBA Insurance, Inc. Jenny Figge, SVP, Operations, KBA Insurance, Inc. Kent Owens, SVP, KBA Insurance, Inc. Cole Thompson, AVP, KBA Insurance, Inc. Samantha Lee, AVP, Employee Benefits, KBA Insurance, Inc. Clinton Moore, Agency Service Representative Legal Services Jamie Cosgrove, JD, SVP, Legal Department Manager Gwen Hill, JD, VP, BCS Attorney Bobby Young, JD, VP, BCS Attorney Adeel Syed, JD, VP, BCS Attorney Kerry Clark, JD, AVP, Publications Editor/Staff Attorney Sarah Lynch-Chaput, JD, AVP, Staff Attorney Meridith DeForest, AVP, Administrative Legal Assistant Tom Thomsen, JD, BCS Coordinator Kat Eusey-Zuckerman, Legal Intern Darby Leitch, Legal Intern Colton Smith, Legal Intern Compliance First Banking Solutions Dylan Serrault, JD, SVP, CFBS Manager Jeff Narron, VP, CFBS Assistant Manager Neal Barclay, VP, Auditor Sarah Weltmer, VP, Compliance Operations Specialist Shannon Capps, VP, Compliance Operations Specialist Hannah Schroller Simpson, JD, VP, Compliance Operations Specialist Lew Walton, JD, AVP, Auditor Heather Williams, AVP, Compliance Operations Specialist Gabe Walker, JD, AVP, Auditor Lindsay Bryant, AVP, Compliance Operations Specialist CONTENTS MESSAGE FROM KBA PRESIDENT & CEO DOUG WAREHAM 4 Kansas Senators Leading the Charge in D.C. for the ACRE Act WASHINGTON UPDATE 6 Celebrating a Legacy of Collaboration By Rob Nichols, President and CEO, American Bankers Association 8 50 Year Club Awards 11 2025 Pioneer Award Winner Tim Ohlde 12 29th Annual Bank Technology & Operations Conference & Showcase Feb. 11-12, Manhattan Hilton Garden Inn 16 2025 Bank Leaders of Kansas (BLOK) Academy and Harold A. Stones Government Relations Conference 26 2025 Kansas Ag Bankers Conference March 5-6, Manhattan Hilton Garden Inn 30 Celebrating Our Dedicated KBA Team Members! 30 A New Chapter Begins! 31 2025 Robbins Banking Institute Lecture Series 34 5 Compliance Considerations for 2025 By Shaun Harms, CRCM/CBAP, Principal of Regulatory Compliance Consulting/Financial Services, Forvis Mazars 36 6 Tips For Creating Social That Sells By Neal Reynolds, President, Bank Marketing Center 39 Briefly in Kansas Banking 40 In Memory 42 Scenes Of Kansas Cover picture taken by Hailey Meyer, daughter of Renee Meyer, Community National Bank, Seneca
MESSAGE FROM KBA PRESIDENT & CEO DOUG WAREHAM Kansas Senators Leading the Charge in D.C. for the ACRE Act Leading the charge to ensure farmers, ranchers and rural homeowners will benefit from competition-driven, low-cost interest rates is nothing new for U.S. Senator Jerry Moran and U.S. Senator Roger Marshall. The steadfast leadership exhibited by our respective U.S. Senators, who joined four other Senators as original co-sponsors of the recently reintroduced Access to Credit for our Rural Economies (ACRE) Act, is a testament to their commitment to supporting growth and prosperity in rural Kansas and rural America. I’m grateful for having Congressional leaders who recognize the ACRE Act (S. 838) will reduce borrowing costs for agriculture producers facing low grain commodity prices and rural homeowners facing a lack of affordable housing and inflation-impacted home prices. I’m also certain our Senators recognize this legislation will help sustain the community bank model, which is critical to ensure local access to credit for rural Kansas communities in the long term. With tax reform topping the Congressional agenda this year, it’s time to roll up our sleeves and get to work with our banking industry colleagues from across America to encourage every member of the U.S. Senate and U.S. House of Representatives to support the ACRE Act. It’s time to educate our farm and ranch customers about how the ACRE Act will lower their costs, and it’s time to inform local leaders how the ACRE Act will foster the development of rural housing. Our Senators are leading the charge and it’s time for us to follow their lead! “Persistent inflation and high interest rates are putting a strain on farmers and rural homeowners in Kansas and across the country. Rural Americans should have the flexibility to access the capital needed to expand their family farms and achieve the dream of homeownership. This legislation will help to boost rural housing and support the agricultural economy that plays a vital role in small towns across America.” — Senator Jerry Moran “The ACRE Act will help community banks address one of the most significant challenges for rural communities — high interest rates. High rates raise the cost of doing business for family farms, make it harder for small businesses to grow, and leave home ownership unattainable for many. The ACRE Act is common sense legislation to reverse these trends.” — Senator Roger Marshall 4
Fenimore Kay Harrison LLP Elects Mathew A. Petersen to Partner Fenimore Kay Harrison LLP is proud to announce that Mathew A. Petersen has been elected to Partner. Mat has been an integral part of our team and its Kansas City office, providing exceptional legal counsel to our banking and financial services clients. Mat is a graduate of the University of Kansas School of Law and University of Kansas School of Business, where he obtained a J.D./M.B.A. While in law school, he served as editor-in-chief of the Kansas Law Review and on the Moot Court Council. Mat and his wife, Amanda, live in Lawrence, Kansas, with their 11-month-old son, Owen. When he is not serving the legal needs of our clients, Mat enjoys cooking, spending time with his family and attending KU sporting events. Fenimore Kay Harrison focuses on representing banks and other financial institutions in a wide range of corporate, securities, governance, and regulatory matters. With Mat’s continued contributions, we look forward to further strengthening our ability to serve our clients with the highest level of specialized legal counsel. Please join us in congratulating Mat on this well-deserved achievement! Fenimore Kay Harrison LLP Elects Mathew A. Petersen To Partner Fenimore Kay Harrison is proud to announce that Mathew A. Petersen has been elected to partner. Mat has been an integral part of our team and the Kansas City o ce, providing exceptional legal counsel to our banking and nancial services clients. Mat is a graduate of the University of Kansas School of Law and the University of Kansas School of Business, where he obtained a J.D./M.B.A. While in law school, he served as editor-in-chief of the Kansas Law Review and was on the Moot Court Council. Mat and his wife, Amanda, live in Lawrence, Kansas, with their 11-month-old son, Owen. When he is not serving the legal needs of our clients, Mat enjoys cooking, spending time with his family and attending KU sporting events. Fenimore Kay Harrison focuses on representing banks and other nancial institutions in a wide range of corporate, securities, governance and regulatory matters. With Mat’s continued contributions, we look forward to further strengthening our ability to serve our clients with the highest level of specialized legal counsel. Please join us in congratulating Mat on this well-deserved achievement! 5
At the beginning of this year, my travels on behalf of ABA took me to Southern California at a time when deadly wildfires were still raging through many neighborhoods in Los Angeles and the surrounding area. As I sat there in that room full of bankers, friends and colleagues, the sentiment I felt was unmistakable: When the smoke cleared and the dust settled, bankers would be there, ready to serve their communities and support the recovery — just as they have done throughout American history. As I reflect on ABA’s 150th milestone anniversary in 2025, and as I look at where we are as a nation today, I am reminded that bankers have a long and proud tradition of coming together during hard times to work together and find solutions. That certainly was true of ABA’s founding; in 1873, the United States was facing a financial panic and one of the worst recessions in history. Unemployment and bankruptcies were surging, and 300 banks failed. It was on the heels of this unrest that two young bankers — inspired by the women’s suffrage movement and the power of collective action — worked to convene the first-ever meeting of the American Bankers Association in July 1875 in Saratoga Springs, New York. Since then, ABA has provided a forum for bankers to meet and together develop solutions that make the banking sector stronger, safer and more accessible. Just a few examples: We helped mobilize bankers to safeguard bank funds during a string of bank robberies in the 1890s; we pioneered the routing number system that made it easier for customers to move money; and we encouraged bank lending throughout World War II to help finance military operations through bank purchases of government bonds. In more recent times, ABA has supported banks’ role as economic first responders in the wake of major natural disasters (like the recent floods in Kentucky) and a global pandemic, and we have helped bolster their mission of making sure that the American dream is achievable for all Americans, particularly those in historically underserved communities. As we continue to face a climate of unprecedented challenges, from a deeply divided political landscape to heightened economic uncertainty, our nation’s banks remain strong, resilient and ready to respond to whatever comes our way. ABA is standing ready to aid them in their important work. Despite the many things today that threaten to divide us, much like our founders did 150 years ago, I, too, believe that we are stronger together. I hope that in the months and years to come, you’ll continue to be an active part of this organization. Continue sharing your voices, perspectives and ideas as we work to shape the future of banking policy in this country over the next 150 years. Together, we can — and will — achieve more. Email Rob at nichols@aba.com. WASHINGTON UPDATE Celebrating a Legacy of Collaboration By Rob Nichols, President and CEO, American Bankers Association 6
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50 Year Club Awards Rick D. Smith, Prairie Bank of Kansas Congratulations to Rick D. Smith on his exceptional 50-year career in banking! Rick’s journey began on Jan. 27, 1975, at Home National Bank (now Home Bank & Trust Co.) in Eureka, Kansas. Starting as an Assistant Cashier, he quickly progressed through several leadership roles, including Cashier, Vice President, Senior Vice President, and ultimately Executive Vice President and Director. His dedication and expertise were instrumental in the bank’s growth and success during his tenure. On Aug. 1, 1992, Rick joined Farmers National Bank (now Prairie Bank of Kansas) with branches in Stafford, Buhler, Inman and Hutchinson. He began as Executive Vice President and Senior Lending Officer (SLO) and was promoted to President, SLO and Director in January 1995. Under his leadership, Prairie Bank of Kansas has continued to thrive, benefiting from his strategic vision and steadfast commitment to excellence. Rick’s influence extends beyond the walls of the bank. A longtime member of the KBA, he has actively participated in the State Affairs and Federal Affairs committees, demonstrating his dedication to advancing the banking industry in Kansas. He also served as Treasurer of the KBA from 2006 to 2008, showcasing his expertise in financial stewardship. Rick is a proud 1980 graduate of the Colorado School of Banking, an accomplishment that underscores his commitment to professional development and excellence in the banking field. Rick D. Smith’s remarkable career exemplifies leadership, dedication and innovation in the banking industry. Congratulations, Rick, on this incredible milestone and thank you for your 50 years of exceptional service! (L-R): Trenton Fairbank, CEO; Gladys Cagna, Assistant Cashier; Doug Wareham, KBA President and CEO; Steven Burns, President; and Tom Ast, EVP. (L-R): Jim Richardson, CEO & Chairman of the Board; Rick Smith, President; Jeannette Richardson, Vice Chairman; and Doug Wareham, KBA President & CEO. Gladys M. Cagna, First National Bank in Cimarron Congratulations to Gladys M. Cagna on her remarkable 50 years of service in banking! Gladys began her career on Jan. 2, 1975, at First National Bank in Cimarron, Kansas, as a Teller. Over the next five decades, she held numerous positions, demonstrating her adaptability and dedication. Her roles included Teller (1975-77), Customer Service/New Accounts (1977-79), Bookkeeping Supervisor/Assistant Cashier (1979-80), Cashier (1981-2011) and Assistant Cashier (2012-25). The banking industry was completely different when Gladys start her banking career. On her first day, Social Security payday saw lines of customers extend out the door. At that time, the bank’s General Ledger was meticulously handwritten daily in a large book, with no computers 8
or account numbers in use. Gladys was part of the team that manually filed canceled checks and reconciled them with monthly statements before mailing them to customers. Her contributions to First National Bank in Cimarron were significant. Gladys created the bank’s first Chart of Accounts, set up account numbers and manually tracked CD numbers. She was also the first person to submit the bank’s Call Report by computer, a significant step in modernizing the bank’s operations. Originally seven pages, the Call Report has grown to 84 pages during her tenure. Throughout her career, Gladys witnessed the evolution of technology in banking. Early in her career, couriers were used to deliver proofs and process items. Wires were completed over the phone using code passwords. The introduction of computers revolutionized operations, and Gladys played a vital role in helping the bank transition into the digital age. Gladys’ dedication, innovation and steadfast commitment has left an indelible mark on First National Bank in Cimarron. Her contributions over five decades exemplify the highest standards of excellence in banking. Congratulations to Gladys, on this extraordinary milestone! Mortgage Investment Services Corporation • 22316 Midland Drive Shawnee, KS • 66226 • 913-390-1010 NMLS# 194708 • A Kansas licensed mortgage company #MC 0001182 Missouri Residential Mortgage Loan Broker License #10-1912 Oklahoma Mortgage Broker #MB001953 • Colorado License #100044344 Nebraska Licensed Mortgage Company NMLS#194708 Arkansas License #124530 YEARS 25 Let’s Talk Fair Lending! Partnering with Mortgage Investment Services Corporation (MISC) means equal access to credit for housing to all within your community. Here’s why collaborating with us sets you apart: • Fair Lending Protocols, Regulatory Compliance • Tailored Solutions for Diverse Clientele • Government financing options: FHA, VA, & USDA-RD • Rebuilding your community with renovation lending • Expand your customer reach Join forces with MISC to provide every member of your community with the opportunity for homeownership. We get it right the first time! Andrew Holtgraves, Senior Vice President • Cell: 913-558-2555 Email: Andrew@MISCHomeLoans.com • NMLS: #276932 9
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With over 40 years in community banking, Tim Ohlde has demonstrated exceptional professionalism and leadership in the industry. Tim has extensive agriculture lending knowledge — he was raised on a dairy farm a few miles from his current residence and has maintained his connection to agriculture. In his career, he has drawn on not only his farm background and experience but also his degree in agriculture education, with an emphasis in agriculture economics, from Kansas State University. Tim served 27 years as the President of Elk State Bank and is currently Chairman of the Board. Early in his career, he focused on loan portfolio quality and created a proprietary analysis system. This eventually led to the creation of Country Banker Systems LLC, a loan analysis software company where he serves as CEO. Education is a focal point for Tim. He has taught over 5,000 bankers in 70+ banking schools across 30 states on Ag Lending and Economics, teaching for the Graduate School of Banking Colorado, Barret School of Banking, Kansas and Nebraska Schools of Banking, North Dakota and South Dakota Schools of Banking, the Oklahoma Bankers Association, the Independent Bankers of Texas and the Louisiana Bankers Association. Tim has encouraged borrower education and led the bank’s efforts to bring top-quality speakers and training for agriculture borrowers and small business owners to Clyde, Seneca and Concordia. Lastly, Tim has provided leadership to several boards and organizations in Clyde, as well as state and national organizations. He is actively engaged as a leader in Clyde’s community development efforts, including forming the Clyde Area Foundation and the Clyde Community Development Resource Committee. He also serves as the Chairman of Woods Charitable Trust. Tim has served on the board of directors for Banker’s Bank of Kansas, the KBA’s Kansas Ag Bankers Division, the ABA’s Ag Committee and as a member of the Executive Committee for the Farm Financial Standards Council. Congratulations, Tim! 2025 Pioneer Award Winner Tim Ohlde 11
FBI Special Agent John Iannarelli Leadership Lessons Learned Through the FBI Former FBI Special Agent John Iannarelli shared behind-the-scenes stories from high-profile cases, including the Enron collapse and the 9/11 attacks, illustrating leadership lessons applicable to all. A keynote speaker on values-based leadership, John draws from first-hand experiences frequently involving critical incidents. He has held numerous positions of ethical leadership within the FBI, serving as the Bureau’s national spokesperson and addressing national and international media on FBI matters. Additionally, he served as Chief of Staff to the Assistant Director, a Squad Supervisor overseeing agent investigations, an On-Scene Supervisor during searches and arrests, an On-Scene Commander during FBI SWAT team deployments and the Assistant Special Agent in charge of an FBI field office. Through examining everyday leadership situations, John presents lessons learned to inspire and motivate others to achieve their best performance. KBA Bank Technology Committee Chairman Mike Aylward Thanks to Mike Aylward, Bank of Commerce, Chanute, for taking the lead as emcee at this year’s event. While in Manhattan, Mike was able to enjoy a huge Kansas State Wildcat basketball victory! KBA Chairman-Elect Julie Hower, Farmers and Drovers Bank, Council Grove The afternoon began with a welcome from KBA Chair-Elect Julie Hower of Farmers and Drovers Bank, Council Grove. Her remarks set the stage for insightful discussions and collaboration as the conference began. Feb. 11-12, Manhattan Hilton Garden Inn This year’s event was a definite success! We had an exceptional line-up of presenters, 103 attendees, amazing sponsors and 43 exhibitors. Check out some of this year’s highlights! 29th Annual Bank Technology & Operations Conference & Showcase Regulatory Panel The second day’s first session was a regulatory panel featuring (L-R) moderator KBA Technology Committee Chairman Mike Aylward, Bank of Commerce, Chanute; Henry Marquardt, Office of the Comptroller of the Currency; Dave Sanders, Federal Deposit Insurance Corporation; A.J. Steiger, Federal Deposit Insurance Corporation; Kylee Fine, Kansas Office of the State Bank Commissioner; and Ricardo Giardiello, Federal Reserve Bank of Kansas City. Thanks to these regulators for sharing their insights with us. 12
Cody Delzer, SBS CyberSecurity Replacement of CAT Tool Speaking on day two, Cody Delzer, SBS CyberSecurity, gave his presentation on the Cybersecurity Assessment Tool (CAT). The FFIEC will retire CAT on Aug. 31, 2025, prompting financial institutions to seek alternatives. Cody offered guidance on choosing the most suitable framework for robust cybersecurity risk management. Eric Cook, WSI Digital Marketing AI and Its Impact on the Future Organizational Structure of the Banking Industry Eric Cook explored the transformative impact of AI on the banking sector and how AI is revolutionizing job functions across banking. Earlier that week, Eric was honored as a 2024 Franchisee of the Year by the International Franchise Association for his work at WSI Digital Marketing! Congratulations, Eric! Trent Fleming Integrating Technology into your Enterprise Strategy Trent Fleming discussed methods of integrating technology planning into enterprise planning efforts and provided insight as to the increasingly visible and important role technology plays in the banking environment. Concurrent Sessions Shield Your Assets: Expert Guide to Incident Response for Banks Eric Durbin, Integris Cybersecurity for Banking John Iannarelli (FBI John) Building Trust in the Digital World: The Community Banker’s Guide to Personal Banking Eric Cook, WSI Digital Marketing Shout Out to Our 2024-25 Bank Technology Committee! Chair Mike Aylward Bank of Commerce, Chanute Vice-Chair Wendi Hinck Bank of Burlingame, Burlingame Cooper Clawson Bank of the Plains, Hutchinson James Davis Cornerstone Advisors Inc., Topeka Jason Drohman Western State Bank, Garden City Ryan Fleck Legacy Bank, Wichita Ziya Gunay Peoples Bank & Trust Co., McPherson T.J. Haverkamp First Heritage Bank, Seneca Jonny Hulse Integris, Olathe Chad Kelley Central National Bank, Junction City Alan Koehler GNBank, N.A., Girard Dustin McClure Union State Bank, Uniontown Jesse Nienke Legacy Bank, Wichita David Pass Equity Bank, Wichita Katie Schneider First Bank Kansas, Salina Amanda Valburg Farmers State Bank, Westmoreland 13
Exhibitor Showcase Thank You to Our Sponsors! 14
Bowman, in her afternoon update, also addressed the Government Relations Conference attendees and emphasized the importance of tailoring regulations, advocated for a problem-focused approach to bank supervision, and stressed the need for innovation in the banking system. She shared her vision for a balanced regulatory framework that promotes safety and soundness while enabling economic growth and technological advancement in the financial sector. 2025 Bank Leaders of Kansas (BLOK) Academy and Harold A. Stones Government Relations Conference This year’s BLOK Academy welcomed nearly 100 bankers to Topeka Country Club on Feb. 5. KBA President & CEO Doug Wareham kicked off the event with a warm welcome, followed by remarks from Matt Koupal, Executive Vice President and Chief Mission Officer/Chief Legal Officer at FHLBank Topeka (BLOK Class of 2023), who emphasized the significance of this program. The panel reinforced Koupal’s message on the importance of the BLOK Program and addressed the need for strong advocacy for the financial services industry. Jake LaTurner also provided an insightful perspective on the inner workings of Capitol Hill and his tenure in the Kansas Senate. (L-R) Alex Orel, KBA SVP of Government Relations, moderated a panel discussion featuring former Congressman Jake LaTurner and Ryan Gilliland, FVP and Director of Government & Industry Relations at FHLBank Topeka (BLOK Class of 2018). Federal Reserve Governor Miki Bowman (BLOK Class of 2013) joined the BLOK Academy to share insights on her successful career path to the national level. Bowman credited the Bank Leaders of Kansas program for not only important leadership skills, but also for friendships with bankers across the state that will last a lifetime. (Bowman has been nominated by the Trump Administration to serve as the Federal Reserve’s Vice Chair of Supervision and is currently awaiting confirmation.) Members of the 2023 Class proudly accept the BLOK Class of the Year — BankPAC Challenge’s trophy! Congratulations to the 2024 BLOK class! These bank leaders completed the four-session BLOK program. 16
2024 BLOK Class • Stephen Austin, Bank7, Montezuma • Ali Aylward, Bank of Commerce, Chanute • Shannon Beal, Citizens Bank of Kansas, El Dorado • Brian Berkley, Solutions North Bank, Stockton • Michael Carlson, Denison State Bank, Holton • Kerry Clark, Kansas Bankers Association, Topeka • Alison Clutter, Bankers’ Bank of Kansas, Wichita • Loren Erway, Farmers Bank & Trust, Atwood • Jenny Figge, Kansas Bankers Association, Topeka • Ryan Fleck, Legacy Bank, Wichita • Mark Galloway, Bank of Tescott, Salina • Kate Haverkamp, First Heritage Bank, Centralia • Jenell B. Hulse, Bank of the Plains, Salina • Jessica Kerr, Golden Belt Bank, Hays • Cher McLachlan, First National Bank of Hutchinson, Hutchinson • Taylor Sharp, TriCentury Bank, De Soto • Billy Skrobacz Jr., Capitol Federal Savings Bank, Topeka • Andy Stegman, GNBank, N.A., Offerle • Taylor Stos, Community National Bank, Topeka • Lance Tilton, Astra Bank, Chapman • George von Leonrod, First National Bank, Dighton • Andy Watkins, INTRUST Bank, N.A., Wichita • Gant Welborn, FHLBank Topeka, Topeka • Candace Wolke, Vintage Bank Kansas, Conway Springs Welcome, 2025 BLOK Class, your journey has just begun! 2025 BLOK Class • Neal Barclay, Kansas Bankers Association, Topeka • Matyson Barnes, Farmers Bank & Trust, Overland Park • Dan Duchnowski, Equity Bank, Wichita • Chris Endicott, FHLBank Topeka, Topeka • Jared Engelbert, The First State Bank, Norton • Brandon Grigsby, Stockgrowers State Bank, Ashland • Daniel Hayden, Bankers’ Bank of Kansas, Wichita • Cody Heiman, First Bank Kansas, Salina • Gwen Hill, Kansas Bankers Association, Topeka • Chrissy Lewman, The Union State Bank of Everest, Atchison • Beth Masterson, Legacy Bank, Wichita • Paige Meader, First National Bank of Kansas, Waverly • Joel Milford, First National Bank of Hutchinson, Hutchinson • Mazie Mobley, INTRUST Bank, N.A., Wichita • Trenton Moore, Equity Bank, Neodesha • Kim Parks, ESB Financial, Emporia • Susan Rash, Community National Bank, Seneca • Tyson Reimer, Central National Bank, Junction City • Sarah Sanders, Capitol Federal Savings Bank, Topeka • Kaycie Schilling, FNB Bank, Goodland • Thomas Sheik, State Bank of Bern, Bern • Derek Stephens, First Interstate Bank, Shawnee • Bryan VonFeldt, Astra Bank, Hays • Brandi Zimmer, Guaranty State Bank & Trust Co., Beloit Following the BLOK Academy, the event transitioned into the Government Relations Conference, where over 200 bankers gathered to continue discussions on industry advocacy and 17
Legislative leaders discussed state issues impacting the Kansas economy and the banking industry. They covered various topics, including property taxes, water, state agency budgets, the Committee on Government Efficiency and the possibility of the Kansas City Chiefs relocating to Kansas. The Federal Issues Update covered topics including strategies for passing ACRE, bank regulatory asset threshold caps, and Senate Banking Chairman Tim Scott’s priorities. The group also discussed pressing issues such as mortgage trigger restrictions, the Congressional Review Act’s potential use, and new bank formation efforts. policy. The conference started with a welcome from KBA Board Chairman Gene Dikeman, Bank of the Plains, Hutchinson. Chairman Dikeman thanked everyone for coming together to deliver a collective message to state lawmakers, elected officials and several staff members from our Kansas Congressional Delegation on behalf of Kansas banks and their communities and customers. FHLBank Topeka President & CEO Jeff Kuzbel spoke on the mission FHLBank Topeka has in supporting Kansas banks. He thanked Kansas bankers for the work they do in driving economic development and supporting the communities they are a part of. (L-R) Kelly VanZwoll, JD, KBA VP of Government Relations and Staff Attorney (moderator); Senate President Ty Masterson; Senate Minority Leader Dinah Sykes; Speaker of the House Dan Hawkins; and House Minority Leader Brandon Woodard (L-R) Kyle Campbell, Astra Bank, Abilene and member of ABA’s Government Relations Counsel; Kathy Taylor, KBA EVP — General Counsel; Doug Wareham, KBA President & CEO; and KBA Past Chairman Mark Schifferdecker, GNBank, N.A., Girard Kirsten Sutton, Executive Vice President of Congressional Relations and Legislative Affairs at the American Bankers Association (via Zoom) 18
KBA SVP of Government Relations Alex Orel and VP of Government Relations & Staff Attorney Kelly VanZwoll provided a legislative update. Orel discussed efforts to modernize public funds statutes, housing, property taxes and water resources. VanZwoll covered state-level interchange proposals, banking code updates and OSBC modernization. She also addressed ESG legislation and the KBA’s efforts to counter harmful proposals. That evening, legislators were invited to attend a special reception offering bankers a valuable opportunity to connect with their state government officials, exchange insights and discuss issues relevant to the financial industry. The event aimed to strengthen relationships and encourage meaningful conversations between policymakers and members of the banking community. (L-R) David Herndon, Office of the State Bank Commissioner; Chris Endicott, FHLBank Topeka, Topeka; KBA Past Chairman Mark Schifferdecker, GNBank, N.A., Girard; Chris Bualle, GNBank, N.A., Girard; and Mathew Petersen, Fenimore Kay Harrison LLP, KCMO (L-R) Sara Girard, Central National Bank in Topeka and Kansas State Treasurer Steven Johnson (L-R) Kelly VanZwoll, Kansas Bankers Association, Topeka and Kansas Senator Ethan Corson, Prairie Village (L-R) Kathy Taylor, Kansas Bankers Association, Topeka; Kansas Senate Financial Institutions and Insurance Committee Chair Senator Brenda Dietrich, Topeka; and Leonard Wolfe, United Bank & Trust, Marysville (L-R) Federal Reserve Governor Miki Bowman and John Dicus, Capitol Federal Savings Bank, Topeka 19
(L-R) Steven Suellentrop, Legacy Bank, Wichita, and Kansas Representative Jill Ward, Wichita (L-R) Jason Johnson, Dan Duchnowski, Jonathan Roop, Julie Huber and Greg Duran from Equity Bank (L-R) Federal Reserve Governor Miki Bowman, KBA Past Chairman Mark Schifferdecker, GNBank, N.A., Girard; and KBA Vice Chairman Kendal Kay, Stockgrowers State Bank, Ashland (L-R) Sunee Mickle, VP of Government and Community Relations, Blue Cross and Blue Shield of Kansas, thanked attendees for supporting BCBS (L-R) Beth Masterson, Legacy Bank, Wichita, BLOK Class of 2025; Steven Suellentrop, Legacy Bank Wichita, BLOK Class of 2018; Federal Reserve Governor Miki Bowman (L-R) Alex Goodpaster, BLOK Class of 2023; Sarah Sanders, BLOK Class of 2025; John Dicus; Jen Cocking, BLOK Class of 2023; and Billy Skrobacz, BLOK Class of 2024, from Capitol Federal Savings, Topeka (L-R) Kyle Campbell, Astra Bank, Abilene & Kansas Representative Barb Wasinger, Hays (L-R) Alex Richard, Office of U.S. Senator Jerry Moran, & Senator Bill Clifford, Garden City (L-R) Brad Ralph, Capitol Strategies, Topeka; Kansas Representative Adam Smith, Weskan; John Dicus, Capitol Federal Savings Bank, Topeka (L-R) KBA Chairman-Elect Julie Hower, Farmers & Drovers Bank and Council Grove & Federal Reserve Governor Miki Bowman (L-R) Kansas Representative Gary White, Ashland; KBA Vice Chair Kendal Kay, Stockgrowers State Bank, Ashland; Kansas Representative Jim Minnix, Scott City; and Kansas Representative Webster Roth, Winfield 20
BLOK Academy Premier Bronze Thank You to Our Sponsors! 21
OUTSOURCED COMPLIANCE CONSULTING The CFBS Outsourced Compliance team includes Certified Regulatory Compliance Managers (CRCM), Certified Community Bank Compliance Officers (CCBCO), and individuals with extensive compliance experience. We specialize in providing regulatory compliance expertise and management to our member banks. To provide further value, we have direct access to Kansas Bankers Association’s attorneys and the CFBS audit team. The resources available by utilizing CFBS Outsourced Compliance services are second to none. Because compliance is not a one-size-fits-all approach, CFBS Outsourced Compliance can tailor solutions to meet your bank’s needs. About GET IN TOUCH US Available to KBA Member Banks What WE DO! Compliance Management Administration Monitoring and Reporting of Everchanging Regulatory Requirements Assistance with Policy and Procedure Development and Review Board and Employee Training Compliance Committee Coordination Compliance Risk Management, Assessment, Reporting, and Monitoring Temporary and Long-Term Compliance Service Arrangements Available OUTSOURCED COMPLIANCE SERVICES Providing expert and cost-effective compliance management services to KBA member banks. Contact us at cfbs@ksbankers.com for a proposal today! (785) 232-3444 | 610 S.W. Corporate View, Topeka, KS 66615 | ksbankers.com/audit-compliance-operations/ Compliance First Banking Solutions (CFBS) has a full-scope solution for regulatory compliance management services available to KBA member banks. 22
BOK Financial® and We go above. So you can go beyond.® are trademarks of BOKF, NA. Member FDIC. Bank dealer services offered through BOK Financial Capital Markets, which operates as a separately identifiable department of BOKF, NA. BOKF, NA is the bank subsidiary of BOK Financial Corporation. Investment products are: NOT FDIC INSURED | NO BANK GUARANTEE | MAY LOSE VALUE We go above. So you can go beyond. Seeking a fresh perspective on your interest rate risk and balance sheet management? As a community banker, your time is valuable. With mounting margin pressures, maximizing earnings from your investment portfolio is crucial. Our unique approach integrates portfolio management within the overall interest rate risk position, optimizing balance sheet performance. At BOK Financial Capital Markets, we help you navigate regulatory requirements with a comprehensive, cost-efficient, tailored solution to enhance your institution’s performance by engaging your management team to formulate ideas and execute strategies that drive results. Budgeting Profit projections ALCO Capital planning Decay/beta analysis Regulatory compliance Investment portfolio Investment mix Interest rate risk Loan pricing Board education Liquidity stress testing Brokered funding SCAN TO LEARN MORE OR VISIT BOKFINANCIAL.COM/INSTITUTIONS
KBA’s Compliance First Banking Solutions now offers a comprehensive and cost effective solution for human resource management. HR Solutions offers a customizable human resource management program with a competitive fee structure based on the number of employees and services selected by the bank. The HR Solutions team is well-equipped to assist in developing and maintaining a strong human resource management program in your bank. From PHR and SHRM-CP HR certifications to dedicated HR attorneys, all with extensive experience and knowledge, the KBA team is excited to design a customized HR solution to fit your bank’s needs. Contact us at cfbs@ksbankers.com for a proposal today! HR SOLUTIONS Available to Kansas Bankers Association Members Human Resource Management Administration Onboarding, Ongoing and Offboarding Employee Administration Policy and Procedures Review Supervisor Training Compensation Analysis and Guidance Medical Benefits Administration 401k Administration Workman’s Compensation Unemployment Benefits/Claims Performance Management Administration And more! WHAT WE DO! HR SOLUTIONS SERVICES Providing expert and cost-effective HR Solutions to KBA Members.
with initiating the Dibble Professorship in Management and Reporting in the School of Business and received an honorary Doctor of Commerce degree from Washburn in 2010 as well as the Garvey Trustee Award in 2011. Jere’s commitment to his community is exemplary. He has served as the President of the Kansas Society of CPAs and the Northeast Kansas Chapter of CPAs. He served on the board of directors for Family Service and Guidance Center, and the Topeka Civitan Club. He also spent 10 years as the president of the Carbondale Rural High School Board of Education prior to moving to Topeka in 1970. “Jere Noe has been an instrumental member of Kaw Valley Bank’s Board of Directors for over three decades”, said Craig Heideman, the bank’s President. “He was actively involved, always providing guidance and direction in his characteristically discerning, conventional manner. We wish Jere the continued best.” CONGRATULATIONS Jere Noe! Kaw Valley Bank would like to congratulate Jere Noe on his retirement from the Kaw Valley Bank Board of Directors. Jere Noe began his relationship with Kaw Valley Bank in the 1960s as an auditor and has spent over 30 years as member of the Kaw Valley Bank Board, also serving several years on the loan, trust and audit committees. Jere had an illustrious 60‑year career as a CPA, retiring in 2019 as a partner at Wendling, Noe, Nelson and Johnson. Jere served in the U.S. Army from 1953‑1955 and is a Korean War Veteran. Upon his return, he attended Washburn University where he was a MacVicar Scholar, inducted into Sagamore Men’s Honor Society and named to Phi Kappa Phi and Pi Gamma Mu. He graduated in 1959 magna cum laude with a Bachelor of Business Administration from Washburn University. Jere and his wife of 66 years, Carol, have supported Washburn University with gifts to the School of Business, the baseball and golf teams, and other areas. He and his wife are members of the Lincoln Society and the Whiting Society. He serves on the Washburn University Alumni Association and Foundation Board of Trustees, where he has served on the development, nominating, compensation, audit and executive committees. He has been an active member of the Washburn Alumni Association since 1991. He was involved
2025 Kansas Ag Bankers Conference March 5-6, Manhattan Hilton Garden Inn The 2025 Kansas Ag Bankers Conference convened with an exceptional line-up of presenters, 305 attendees and 45 tradeshow sponsors in attendance! The conference started with KBA’s Kansas Ag Bankers Division President Brad Zimmerman, Farmers Bank & Trust, Atwood, welcoming attendees and introducing the conference sponsors. Following Zimmerman, KBA Chairman Gene Dikeman, Bank of the Plains, Hutchinson, thanked every banker for supporting Kansas agriculture and engaging with KBA on state and federal policy. The first day’s agenda featured insightful presentations from Dr. David Kohl, an update on federal policy from KBA’s President & CEO Doug Wareham and American Bankers Association SVP of Agriculture and Rural Policy Ed Elfmann, an overview of water from the Kansas Water Policy and Regulatory Landscape Panel, and inspiration from former Kansas City Chiefs long snapper Kendall Gammon. On the second day of the conference, Randy Blach provided an in-depth analysis of the cattle and protein markets. Justin Trompke followed with an ag commodity markets update and also shared insights into global production. The Kansas Ag Bankers Division’s Annual Meeting brought members together to recognize this year’s Pioneer Award winner, Tim Ohlde, and elect next year’s board members and officers. Concluding the conference, Eric Snodgrass delivered an engaging presentation by highlighting global weather trends and their implications for agricultural operations in the state. Thank you to all who attended the conference! We look forward to seeing you again next year from March 4-5, 2026! Call to Action! Please take a moment to send Kansas Senators Jerry Moran and Roger Marshall a letter of thanks for being original cosponsors on the newly minted ACRE Act — S. 838! Scan this QR code to send a letter. https://fastdemocracy.com/ campaigns/foAFTT5rU/Thank-YouSenator-Moran---Senator-Marshallfor-Co-Sponsoring-the-ACRE-Act-/ Scan this QR code to access ACRE Advocacy Resources. https://www.aba.com/news-research/ analysis-guides/acre-act-toolkit Brad Zimmerman, Kansas Ag Bankers Division President, Farmers Bank & Trust, Atwood Conference Kickoff Kansas Ag Bankers Division President Brad Zimmerman of Farmers Bank & Trust in Atwood kicked off the 2025 Kansas Ag Bankers Conference by welcoming attendees and expressing gratitude to our sponsors. Zimmerman also introduced the Kansas Ag Bankers Division Board of Directors and thanked them for their service and efforts to plan the conference. Gene Dikeman, KBA Chairman, Bank of the Plains, Hutchinson Staying Engaged in Ag Policy KBA Chairman Gene Dikeman, Bank of the Plains in Hutchinson, spoke on the importance of staying engaged in ag policy. Chairman Dikeman highlighted that advocacy and awareness are key to supporting the future of ag banking. 26
Dr. David Kohl, Ph.D., Professor Emeritus, Virginia Tech Ag Economics and Banking Circa 2025 and Financial Tool Kit for Ag Lending Dr. David Kohl delivered two insightful sessions, providing a deep dive into the evolving landscape of ag economics and lending. In Ag Economics & Banking Circa 2025, he explored the key forces shaping agriculture and ag banking, from global trade policy to geopolitical shifts, highlighting both risks and opportunities in the industry. In Financial Tool Kit for Ag Lending, Dr. Kohl emphasized the importance of financial and risk management in today’s ag economy. He shared practical tools for assessing risk, strengthening lender-borrower relationships and building high-performing lending teams. Attendees walked away with valuable strategies to navigate the challenges ahead. Ed Elfmann, SVP of Agriculture and Rural Policy, American Bankers Association and Doug Wareham, President & CEO, Kansas Bankers Association Federal Ag Policy Update KBA President & CEO Doug Wareham (L) and American Bankers Association SVP of Agricultural and Rural Banking Policy Ed Elfmann (R) spoke on the reintroduction of the Access to Credit for our Rural Economies (ACRE) Act and urged attendees to contact their Senator and Representatives to thank them for their support of ACRE. Connie Owen, Kansas Water Office; Doug Ray, Solutions North Bank; Earl Lewis, KDA-Division of Water Resources; Jay Meyer, Centera Bank; Ron Flowers, Community National Bank & Trust; and J.W. Wells, Kansas Bankers Association Kansas Water Issues and Regulatory Landscape Panel The Kansas Water Issues & Regulatory Landscape Panel featured an insightful discussion on water policy, regulation, and its impact on the banking industry. Panelists (L-R): Moderator J.W. Wells (KBA), Ron Flowers (Community National Bank & Trust), Connie Owen (Kansas Water Office), Earl Lewis (KDA-Division of Water Resources), Doug Ray (Solutions North Bank), and Jay Meyer (Centera Bank). Kendall Gammon, Chiefs Radio Network The Power of Emotional Strength Rose Hill, Kansas, native and Chiefs Radio Network member Kendall Gammon closed out the day with insights on building stronger teams, enhancing communication and making meaningful connections. Randy Blach, CattleFax Cattle and Protein Market Situation and Update Day two started strong with Randy Blach from CattleFax! He shared insights on the U.S. beef industry, highlighting tight cattle supplies and strong consumer demand driving another year of market success. 27
Justin Trompke, AgWest Commodities Capturing Market Opportunity and Managing Risk in Tight Margins Justin Trompke of AgWest Commodities broke down the key factors shaping today’s grain markets, including Brazilian corn production, the 45Z tax credit, USDA supply and demand estimates, and more. Trompke also emphasized the importance of strategic planning to help ag producers capitalize on opportunities. Tim Ohlde, 2025 Pioneer Award Winner Tim Ohlde, Board Chairman of Elk State Bank, Clyde was given the prestigious Kansas Ag Bankers Pioneer Award at this year’s Conference in Manhattan. With over 40 years in community banking, Tim has demonstrated exceptional professionalism and leadership in the industry. Tim has extensive agriculture lending knowledge — he was raised on a dairy farm a few miles from his current residence and has maintained his connection to agriculture. In his career, he has drawn on not only his farm background and experience but also his degree in Ag Education, with an emphasis in Ag Economics from Kansas State University. Congratulations, Tim! Eric Snodgrass, Nutrien Ag Solutions High Impact Meteorology Eric Snodgrass wrapped up the conference with his insights on weather forecasting and analysis. He explored how the current wind stream patterns are affecting drought conditions across the United States and what ag producers need to look for in planning ahead for their production year. Breakout Sessions Farm Succession Planning Lance Woodbury, Pinion Future of Kansas Agriculture: Conservation, Policy, and Global Impact Michael Thompson, Thompson Farms & Ranch LLC, and Randy Throener, Forvis Mazars Crop and Livestock Insurance Austin Tucker and Greg Bruna, Specialized Crop Insurance Tools, Tech and R&D in Ag Technology Randy Throener, Forvis Mazars, and Bryndon Meinhardt, KanEquip Empowering Your Customers through Beginning Farmer Programs Joshua Ridder, Kansas Farm Service Agency, and Rebecca Floyd, Kansas Development Finance Authority Don’t Make That Mistake! Top Ag Lending Litigation Disputes from the Past Year Michael Fielding, Husch Blackwell Thank You to Our 2025-26 Kansas Ag Bankers Division Board of Directors! President Brett Wicker Central National Bank, Gardner Vice-President Stephen Hendrickson Citizens State Bank of Marysville, Hanover Secretary/Treasurer Julie Voelker Solutions North Bank, Coffeyville Past President Brad Zimmerman Farmers Bank & Trust, Atwood Robert Rugan Farmers Bank & Trust, Great Bend Shelly Turner Security State Bank, Scott City Tricia Fowler Dream First Bank, Arlington Greg Saville First National Bank and Trust, Phillipsburg Evan Whetzal First Heritage Bank, Seneca Steve Howland Equity Bank, Wichita Andy Stegman GNBank, N.A., Offerle Kaycie Schilling FNB Bank, Goodland Brandon Grigsby Stockgrowers State Bank, Ashland 28
TRADESHOW Thank You to Our Sponsors! 29
25 Years Mary Taylor SVP, Communications & Marketing Director Start date: January 2000 25 Years Sara Blubaugh SVP, Administration & Board Secretary Start date: February 2000 5 Years Meridith DeForest AVP, Administrative Legal Assistant Start date: February 2020 5 Years Jenny Figge SVP, Operations, KBA Insurance Inc. Start date: March 2020 Celebrating Our Dedicated KBA Team Members! Congratulations to these KBA employees on their recent work anniversaries! Your dedication and commitment have been essential to our success, and we truly appreciate your hard work and passion. Thank you for all that you do for KBA and Kansas bankers! Jackie Kuhn, JD VP — Staff Attorney Years of Service: Oct. 1, 1979-March 31, 2025 Congratulations to Jackie Kuhn, VP — Staff Attorney, on her well-deserved retirement! Jackie began her remarkable journey with KBA on Oct. 1, 1979. Over the decades, her dedication and contributions have left a lasting impact. On March 31, she was celebrated with a special retirement reception at the KBA office, surrounded by bankers, KBA colleagues, retirees, family and friends, all gathered to honor her outstanding career. We wish Jackie all the best as she embarks on this exciting new chapter! A New Chapter Begins! 30
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