OFFICIAL PUBLICATION OF KANSAS BANKERS ASSOCIATION JULY/AUGUST ISSUE 4 2025 Rooted in Legacy, Driven by Purpose A Conversation with KBA Board Chair Julie Hower
©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 & Conferences 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 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 Kat Eusey-Zuckerman, JD, Auditor CONTENTS 4 MESSAGE FROM KBA PRESIDENT & CEO DOUG WAREHAM One Big Beautiful Bill and One Very Timely ACRE Act Provision 6 Rooted in Legacy, Driven by Purpose A Conversation with KBA Board Chair Julie Hower By Mary Taylor, SVP, Communications & Marketing Director, KBA 10 WASHINGTON UPDATE Cutting Through the Noise — And the Regulatory Red Tape By Rob Nichols, President and CEO, American Bankers Association 12 2025 KBA No Ties Tour KBA Leadership Connecting with Kansas Bankers Across the Sunflower State 14 Fraud Losses (And Wins!) By Jamie Cosgrove, JD, SVP-Manager, Legal Department, KBA 15 Staying Power: A Friendship Forged in Community Banking By Brianna Hull, AVP, Communications & Marketing, KBA 18 50-Year Club Awards 20 ABA Bank Marketing Conference 21 Congratulations to Gwen Hill, JD! 20 Years of Dedicated Service 22 In Memory 24 Briefly in Kansas Banking 26 2025 KBA Educational Calendar 3
MESSAGE FROM KBA PRESIDENT & CEO DOUG WAREHAM One Big Beautiful Bill and One Very Timely ACRE Act Provision The adoption of the One Big Beautiful Bill (OBBB) by Congress, which was subsequently signed into law by President Trump, cemented two significant tax policies strongly supported by the Kansas Bankers Association into federal law. Despite a myriad of political naysayers who believed the budget/tax reconciliation debate would roll into the second half of 2025, the razor-thin Republican majorities in the U.S. Senate and U.S. House of Representatives delivered their finished product to President Trump’s desk before their self-imposed Independence Day deadline. Our KBA-supported top priorities included: • Maintaining the current Section 199A deduction rate of 20% for Subchapter (Sub) S banks and making the deduction permanent. Failure to extend the 20% deduction rate for Sub S banks would have created chaos for a strong majority of Kansas banks. KBA welcomes and applauds the permanent tax treatment of Sub S banks across America. • Adopting the KBA-supported and Kansas Banker-inspired Access to Credit for our Rural Economies (ACRE) Act provision will provide banks with a permanent 25% deduction for interest income derived from qualified agricultural real estate loans. The adoption of a permanent ag real estate tax deduction in the OBBB is the culmination of years of advocacy, education and outreach by the KBA and hundreds of Kansas bankers who spearheaded this effort. Adopting the ACRE Act now triggers an implementation process that will ultimately involve the Internal Revenue Service (IRS), which will need to draft guidance for the policy. KBA will remain fully engaged as we enter the implementation phase for the ACRE Act, and we are already communicating regularly with ABA staff and expert tax practitioners to develop and provide guidance to Kansas bankers as quickly as possible. I would be remiss if I did not express gratitude on behalf of the Kansas banking industry for the leadership provided by our Kansas Congressional Delegation that led to the adoption of this important tax policy provision. U.S. Senator Moran has authored and championed this proposal for two decades and was instrumental in securing support from leadership in 4
“The ACRE Act provision Republicans included in the One Big Beautiful Bill will enhance the ability of community banks to support ag producers facing low grain commodity prices and record-high crop production costs,” said Representative Ron Estes. “ACRE provides farm bank lenders a tool they can immediately use to lower interest rates for agricultural borrowers. This policy is good for farmers, ranchers and rural communities across Kansas.” “For years, rising inflation and high interest rates have imposed economic strain on farmers in Kansas and across the country,” said Senator Moran. “I’m pleased that the ACRE Act has been signed into law to provide lower interest rates for Kansas farmers and ranchers struggling with low commodity prices. This legislation will help sustain the presence of rural community banks by making them more competitive and better able to meet the financing needs of their customers.” the U.S. Senate. Kansas 4th District Congressman Ron Estes, who serves on the powerful U.S. House Ways and Means (Tax Policy) Committee, was also instrumental in securing an ACRE Act provision in the original budget/tax reconciliation package adopted by the U.S. House. U.S. Senator Roger Marshall, Congressman Tracey Mann and Congressman Derek Schmidt were also co-sponsors of the ACRE Act and actively advocated for passage of this measure with their Congressional colleagues. We thank each of these leaders for advancing a policy that will help sustain banks across Kansas by allowing them to better serve their farm and ranch customers with lower-cost agricultural credit. With many agricultural producers facing financial pressure created by low grain commodity prices and record-high crop input prices, this policy change will prove to be an immediate beneficial tool for bankers and their ag borrowers. And finally, thank you, Kansas bankers ... mission accomplished! Take control of your health. Health coaching is free with your Blue Cross and Blue Shield of Kansas health plan. Whether you’re managing a chronic condition or looking to make lifestyle changes, our registered nurses are here to support you. Enroll today and speak with a nurse who understands your journey. bcbsks.com/dm KBA 0825 An independent licensee of the Blue Cross Blue Shield Association. 5
Rooted in Legacy, Driven by Purpose A Conversation with KBA Board Chair Julie Hower By Mary Taylor, SVP, Communications & Marketing Director, KBA The Kansas Bankers Association had the pleasure of visiting Julie Hower in the historic town of Council Grove — a place where Kansas heritage, community pride and visionary leadership all converge. As President and CEO of Farmers and Drovers Bank, Julie represents the fifth generation of her family to carry forward a proud legacy of service, both to customers and to community. Her warmth, humility and passion for Kansas banking shine through in every conversation. We sat down with Julie to learn more about her roots, her journey in banking and her hopes for the future. Farmers & Drovers is a fifth-generation family-owned bank. What are its roots? The story begins with my great-great-grandfather, William Henry (W.H.) White. He came to Council Grove from Kentucky in 1857 by wagon train. Tragically, his mother died along the way, and after his father passed, he was left to make his way alone at just 17 years old. Armed with little more than a bony horse and sheer determination, he drove cattle across the region to earn a living. On one return trip from St. Joseph, Missouri, he stopped to rest at a hotel near Baldwin City, Kansas — only to narrowly escape a robbery by someone who knew he was carrying cash. That harrowing experience convinced him his money would be far safer in a bank. And the rest, as they say, is history. For over 140 years, Farmers and Drovers Bank has been guided by generations of dedicated family leadership: • W.H. White (1882-1935) • C.H. White (1935-58) • Hale White (1958-90) • John H. White (1990-2015) • Julie Hower (2015-present) Was joining the family bank always your plan? I was born and raised in Council Grove, and some of my earliest memories are of shadowing my father, John White. Whether we were inside the bank or out in the community, he modeled what it meant to be a leader. During the agricultural crisis of the 1980s, I watched him go far beyond his role as a 6
banker. He was a friend, problem solver and steady presence for those facing incredibly difficult times. It wasn’t until years later that I fully understood the depth of those moments and the lasting value of leading with empathy, integrity and service. So yes, continuing the family legacy felt like a natural path. My father was an incredible mentor who instilled in me the importance of helping people — and like him, I find great fulfillment in making a difference. Where did you go to college? I earned my bachelor’s degree in communication from Kansas State University and went on to receive my Juris Doctor from the University of Kansas. I’m proud of both institutions, but when it comes to school spirit, I definitely bleed purple! What’s one of your favorite quotes, and why does it resonate with you? One quote that’s always stuck with me is: “It’s amazing what you can accomplish when no one cares who gets the credit.” In banking — and in leadership — that mindset is essential. Over the years, I’ve learned that real success isn’t about micromanaging. It’s about creating a culture of trust and collaboration, where people feel empowered to contribute their best. Banking is a relationship business, both inside and outside the organization. When you focus on the greater good and give people room to thrive, the results speak for themselves. Tell us about your family. I’m the daughter of John and Marty White. My father passed away in 2016, and my mother, a retired schoolteacher, still lives in Council Grove. My brother, Steve White, serves as Executive Vice President and is a member of the bank’s board of directors. My husband, John, and I are proud parents of two amazing daughters. Hailey, our oldest, is a Kansas State alumna and recently married Julie Hower embodies what it means to lead with purpose — honoring tradition, lifting others and looking ahead with confidence. As KBA’s incoming board chair, she brings that same vision and heart to her work on behalf of banks and communities across Kansas. 7
Hunter Engle. They now live in Olathe. Our youngest daughter, Ally, is currently a junior at Kansas State University. What do you enjoy doing for fun? I’m a big fan of Kansas State sports — there’s nothing better than cheering on the Wildcats! Outside of being a spectator, I enjoy staying active. Water skiing has been a longtime favorite, and interestingly, it’s how I met my husband, John. I also enjoy fishing, golfing and being outdoors whenever I can. What else would you like to share? I have a deep love for Council Grove and the people who make it so special. This town has shaped me, and I see it as both a privilege and a responsibility to give back. The beauty of the Flint Hills is something I never tire of. They’re a daily reminder of the strength, resilience and grace that define this part of Kansas. I’m especially passionate about Main Street revitalization. You won’t find many vacant buildings downtown, and that’s something we’re incredibly proud of. From a brewery and a vintage home décor shop to a cake company, coffeehouse and a flower shop, Council Grove is full of energy and entrepreneurial spirit. Each business reflects the dedication of people who believe in this community and want to see it thrive. It’s a testament to what can happen when people work together with a shared vision and a love for their hometown. 8
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We are halfway through 2025, and while there have been several significant developments — from the escalation of geopolitical tensions abroad to economic uncertainty at home — there’s a positive message I want to send to bankers: Our agenda is moving forward. With the help of tireless advocates here in Washington and at the state associations, ABA is continuing our steadfast work with the administration and like-minded lawmakers in Congress to advance the policy priorities that are most important for our members, as outlined in our “Blueprint for Growth.” We have the tools, resources and people in place to make it happen. In early June, Federal Reserve Governor Miki Bowman was sworn in as the new Vice Chair for Supervision, which we consider an incredibly positive step for our industry. Her first speech shortly after her confirmation gave a strong signal that we could soon see a return to tailored regulation that will help banks unlock economic growth and better serve their customers, clients and communities while still managing risks. Governor Bowman is one of many policymakers now occupying key positions in Congress and at the banking agencies who understand just how vital it is that we have a strong, thriving banking sector in this country. We’ve also had a number of wins in the past few months alone that again signal a return to a more rational regulatory framework. Congress came together to pass a bipartisan bill rejecting the CFPB’s misguided overdraft rule — which would have taken a vital credit option off the table for thousands of Americans who rely on it to manage their finances responsibly — and it was signed by President Trump earlier this past spring. This action not only scraps the overdraft rule, but it also blocks the CFPB from issuing a substantively similar rule in the future. ABA played a significant role in completing the CRA resolution, working to educate lawmakers and their staff on the harm this rule would cause if allowed to take effect. Some in our industry didn’t think we could get this done, but ABA and our members pushed hard, and our industry is stronger for it. We continue our advocacy on Capitol Hill in support of longstanding ABA priorities like the Access to Credit for our Rural Communities Act, or ACRE — which was reintroduced with strong bipartisan support in this Congress — as well as bills that would encourage de novo formation and support the important work of community development financial institutions and minority depository institutions. On the regulatory side, we’ve seen rollbacks of several misguided rules or policy statements, and the banking agencies have signaled forthcoming changes to the 2023 Community Reinvestment Act final rule, as well as changes to rules implementing Sections 1071 and 1033 of the Dodd-Frank Act. And — after sustained advocacy by ABA — the CFPB rescinded a package of “guidance” documents that we felt set new regulatory expectations while circumventing the rule-writing process. Coupled with several recent victories in court — including favorable settlements with the CFPB over their appeal of our UDAAP win and late fee final rule — it seems that a regulatory recalibration is well underway. We continue to hear commitments from Treasury Secretary Scott Bessent about working constructively with our sector to cut through the red tape. While they might not be making national headlines, these changes are happening, and they are incredibly meaningful, not just for banks but for the American economy. Email Rob at nichols@aba.com. WASHINGTON UPDATE Cutting Through the Noise — And the Regulatory Red Tape By Rob Nichols, President and CEO, American Bankers Association 10
KBA President & CEO Doug Wareham, KBA Insurance President Alex Greig and AVP of KBA Insurance Cole Thompson hit the road in style for this year’s “No Ties Tour,” connecting face-to-face with many of our valued bankers across the state. We sincerely thank all the Kansas bankers who welcomed us into their communities. Your candid feedback and warm hospitality are invaluable as we continue working together to strengthen Kansas banking. Look for more photos and stories from the tour in the next issue of The Kansas Banker! Brad Rucker, President & CEO of Home Bank & Trust Co. in Eureka Jared Brown, Chairman & CEO; and Alan Campbell, President/Chief Lending Officer of Impact Bank in Wellington J.C. Long, Chairman, President & CEO of The Bank of Commerce & Trust Co. in Wellington Rick Sems, CEO; and Julie Huber, EVP-COO, KBA Board Director of Equity Bank in Wichita Eric Kurtz, President/CEO; Cory Helmer, Winfield Market President; Tara Woods, AVP, Corporate Trainer; and Steve Hill, SVP, Director of Special Projects and Vendor Relationships of Union State Bank in Winfield Porter Loomis, President; and Monte Hostetler, CFO of The Peoples Bank in Pratt 2025 KBA No Ties Tour KBA Leadership Connecting with Kansas Bankers Across the Sunflower State 12
Congressman Ron Estes; Charlie Chandler, Chairman of the Board and CEO; and Dan Heinz, Chief Relationship Officer with INTRUST Bank, N.A., at The Monarch in Wichita, along with Jennifer Ray, business owner Steve Randels, President & CEO of Security State Bank in Wellington Ben Zimmerman III, President & CEO; Ben Zimmerman IV, EVP and Cashier, CFL, CLO; and Lori Bone, SVP & Trust Officer of Fidelity State Bank & Trust Co. in Dodge City Chad Fisher, President & CEO of SJN Bank of Kansas in Saint John Ed Dewey, Community Bank President of GNBank, N.A., in Bucklin Eric Meyers, CEO; and Lisa Befort, EVP of Ninnescah Valley Bank in Cunningham Mike Miller, President & CEO, and his bank team of Integrity Bank in Montezuma Shana Tilley, President & CEO of The Farmers State Bank in Bucklin Stan Robertson, President of Haviland State Bank in Haviland 13
Fraud Losses (And Wins!) By Jamie Cosgrove, JD, SVP-Manager, Legal Department, KBA When it comes to fraud, it is nearly impossible to find a bank that does not have a story to share. The Federal Trade Commission reported $12.5 billion in consumer losses to fraud in 2024, an all-time high in reported losses.1 The issue is not whether a bank will encounter fraud, but when it will. More importantly, the bank needs to apply this knowledge to have a plan for responding when fraud occurs. In situations of financial fraud, there are two important aspects for the bank to evaluate right out of the gate: What is the method of payment and who has liability for loss? Financial fraud relies on cash withdrawals, personal checks, bank checks, wire transfers and ACH transfers to access funds. Each of these methods creates different liabilities for the bank and its customers. After considering the method and liability, the bank will determine its timing and approach based on the details of the fraudulent transaction. Should the bank slow down the transactions or speed up a response? • Slow Down: For example, if a bank customer is involved in a scam and actively trying to withdraw funds to transfer in an apparent scheme, a frequently recommended approach is to slow that customer down. Attempt to take away the urgency the fraud is creating so that they have time to reconsider and recognize the illogical aspects of the scam. • Speed Up: However, if the customer has already lost money through a fraudulent transfer initiated by them in a scam or as the result of an unauthorized transaction, then often the best opportunity for recovery is a quick response. Once the money has left the bank, it is typically moved repeatedly and quickly, becoming increasingly difficult to track. There is no one-size-fits-all approach to handling a fraud loss once it is recognized. The complications victims and financial institutions face in recovery stem from the numerous involved parties and institutions, multiple jurisdictions of legal authority and different investigative agencies. Many banks have recognized the importance of using their association network and advisor resources to recover losses once they occur. Central National Bank is an example of a Kansas bank that recently had a corporate customer scammed into initiating an approximately $190,000 ACH based on fraudulent instructions. Late on a Friday afternoon, immediately upon being notified of the issue, representatives from Central National Bank contacted the American Bankers Association Fraud Department, which initiated and guided the bank through a series of resources that ultimately prevented the funds from being transferred to the receiver through a crypto exchange company. Although the bank had no legal obligation to take action, its quick outreach and follow-up prompted the other financial entities in the chain of receipt to respond and assist in recovering the funds for the bank’s customer. Similarly, the KBA has assisted its member banks in preventing and recovering significant fraud losses in 2025. In a recent check theft loss, the KBA legal department assisted a Kansas bank in recovering over $300,000 stolen from a corporate customer whose check was stolen from the mail and deposited in another financial institution. This recovery shifted a substantial potential loss into a positive customer and public relations opportunity, prevented a large insurance claim and resulted in a Kansas win against fraud! 1. New FTC Data Show a Big Jump in Reported Losses to Fraud to $12.5 Billion in 2024, Federal Trade Commission Press release, March 2025. https://www.ftc.gov/news-events/news/press-releases/2025/03/newftc-data-show-big-jump-reported-losses-fraud-125-billion-2024 If you have questions about fraud, contact Jamie Cosgrove and the KBCS legal team at kbcs@ksbankers.com. 14
STAYING POWER: A Friendship Forged in Community Banking Front left: Doug Wareham, KBA President & CEO; back left: Kevin Stein, First National Bank of Spearville; front right: Tena Gleason, Ford County State Bank, Spearville; and back right: Alex Greig, President of KBA Insurance Inc. By Brianna Hull, AVP, Communications & Marketing, KBA For over five decades, Tena Gleason and Kevin Stein have shared more than a zip code. Growing up in Spearville, Kansas, these two lifelong friends have not only witnessed their hometown evolve, but they have also helped to shape it through parallel careers in community banking. Today, they work just steps from each other — at banks located directly across the street — proving that mutual respect and a shared commitment to community can bridge even the most literal divides. Though technically competitors, their relationship has been anything but. Built on trust, shared values and deep rural roots, their story reflects the true heart of community banking. Q&A with Kevin Stein Senior Vice President, First National Bank of Spearville, Spearville How did you and Tena meet, and what’s helped your friendship last so long? We’ve known each other our whole lives. Both of us are from Spearville. We grew up here, and I’ve watched Tena and her family grow over the years. I think what’s helped our friendship endure — despite working for different banks — is our mutual love for this town. We both understand that healthy banks mean a thriving community, and that’s always been bigger than competition. Describe Tena in one word. Loyal. But also, she has integrity and she’s trustworthy. She’s someone you can count on. How would you describe Spearville’s financial landscape? Spearville is small — around 800 people. Agriculture is the backbone: Cattle feeding and wheat/milo production are mainstays. In recent years, renewable energy has become a big part of the picture with 350+ wind turbines in the area. We’re just 17 miles from Dodge City, so many folks work there and live in Spearville for the small-town life. What is the biggest challenge you face in banking today? Navigating the line between neighbor and banker. Everyone is someone you know personally, which builds trust but also makes tough decisions — like denying a loan — more delicate. You’ve got to balance empathy with responsibility. What is the biggest shift you’ve seen in banking? Technology and regulation. It used to be all handshakes and passbooks. Now, even in rural markets, customers expect digital banking and fast service — plus tight cybersecurity. At the same time, regulations have made operations more complex. How do your banks contribute differently to the community — and where do you see overlap or shared values? The only difference that I am aware of is that FNB has a crop insurance agency within the bank. Both banks 15
are small, independent, privately owned institutions that are deeply embedded in the community and have strong relationships with their customers. How do you mentor the next generation? By being accessible. I try to share the “why” behind decisions, encourage curiosity and give younger team members real opportunities, just like someone once did for me. If you could collaborate with Tena on a town project, what would it be? I’d love to bring more small businesses to Main Street — and work on affordable housing for teachers and tradespeople who want to live in Spearville but commute to Dodge City. How do you want to be remembered? As someone who put people first. I hope I’m seen as a good neighbor and a steady hand — someone who built relationships, not just transactions. Q&A with Tena Gleason President, Ford County State Bank, Spearville How did you and Kevin meet, and what’s helped your friendship last so long? Kevin and I are both hometown kids. We grew up in Spearville and have known each other for most of our lives. Our friendship didn’t start at a specific moment; it was simply always there. Over the years, we’ve worked just across the street from each other, and I think it’s our personalities — and the mutual respect we have — that’s made our friendship last all this time, even while working at different banks. Describe Kevin in one word. Professional. He’s also courteous and sincere. Kevin brings a calm presence to every conversation, and that consistency builds trust — not just with customers, but also with peers. How would you describe Spearville’s financial landscape? It’s a diverse mix, but agriculture is definitely dominant. We’re a rural town of about 800 people, and agriculture is the heart of the local economy — whether that’s cattle feeding or crop production. There’s also been a strong boost from renewable energy in recent years, thanks to the surrounding wind farms. 16
What local economic trend has had the biggest impact on your day-to-day work recently? The rising cost of agricultural production. Input costs — everything from seed and fuel to equipment and interest rates — have been climbing steadily, and that impacts not only our customers’ bottom lines but the kinds of conversations we’re having in the bank every day. How do your banks contribute differently to the community, and where do you see overlap or shared values? Both of our banks are deeply committed to the community. We support everything from the local school and church to youth programs and events. At Ford County State Bank, we’re also proud to serve as a trustee for the Joe C. Nielsen Scholarship Fund, which awards scholarships to graduating seniors. We manage a charitable foundation established by Tom Feist, our former majority stockholder, which donates nearly $1 million annually to local nonprofit projects. That’s a legacy we’re honored to carry forward. At the end of the day, Kevin’s bank and ours may have some differences in services, but we share the same core values: service, trust and giving back to Spearville. Have there ever been moments where you found yourselves on opposite sides of a deal or client situation? How did you handle it? Yes, and when it happens, we handle it the way professionals should — with respect. There’s no room for ego in small-town banking. We know the importance of maintaining relationships, and that includes with each other. Do you ever bounce ideas or challenges off each other, even though you technically work for competitors? Not too often, but when we talk shop, it’s always helpful. There’s value in having someone across the street who understands what you’re facing and respects the work you do, even if you’re not on the same payroll. What’s the biggest change you’ve seen in the industry since you started? Regulation. There’s no question that the regulatory footprint has grown dramatically since I started in 1980. Everything from compliance to reporting has become more complex and time-consuming, even for small community banks like ours. That’s a big shift from when decisions were more local and flexible. Do you plan to retire soon? It’s on the horizon, but I haven’t made any final decisions yet. Kevin talks about traveling and seeing his grandkids — he may beat me to it! Favorite shared memory? There are too many to count, but we laugh a lot, remembering our high school days and seeing our careers come full circle, now just across the street from one another. 17
50-Year Club Awards Trish Dunkin, Elk State Bank Congratulations to Trish Dunkin on her 50th year in banking! Trish started her banking career as a Secretary and Licensed Insurance Agent on May 7, 1974, at Elk State Bank in Clyde, Kansas. She has spent her entire banking career at Elk State Bank and has held many roles in her 50 years there. She is currently a Residential Loan Officer and Compliance Officer for the bank. Trish also serves as the bank’s Executive Vice President and is a member of the board of directors. Trish was raised on a family farm in north central Missouri and is still part of the farm’s operation. She takes pride in her Missouri roots and maintains close contact with her family in the area. In her time with Elk State Bank, she has attended many bank schools including the ABA National Banking School, Kansas School of Agricultural Banking and the Graduate School of Banking at Colorado. Trish has also contributed to the banking industry through serving on the KBA Employee Benefits Committee and the KBA Agricultural Committee. In the Clyde community, Trish serves on the city Tree Board and is an expert gardener. Her love for flowers and plants is evident in the beautiful gardens she maintains meticulously every year at her house. Trish has also served as the pianist for the Christian church in Clyde for many years. Her faith has been the guiding force in her life and career. Trish continues to enjoy her role as a Residential Loan Officer. Her biggest joy is working with families to help them navigate through the buying process. Trish is an important part of the Clyde community and has worked to put many families in their first home. Congratulations, Trish! Andy Edwards, INTRUST Bank, N.A. Congratulations to Andy Edwards on achieving 50 years in Kansas banking! Andy began his career in 1974 as a Commercial Vault Teller and Supervisor at the First National Bank in Wichita, now known as INTRUST Bank. Over the past five decades, Andy has served in numerous roles across multiple banking centers in Wichita, demonstrating exceptional adaptability and dedication. In his early years, he was responsible for operations, from overdrafts and stop payments to staff training. He then went on to serve customers directly as a teller and banker across the west, east and south offices. In the 1990s, Andy held leadership roles as Banking Center Manager at the Harry & Webb location and Assistant Manager at several other branches, including Central & Rutan and Douglas & Oliver. From 1996 to 2016, Andy served as a trusted banker at the south office and has continued his legacy at INTRUST Bank’s main bank from 2015 through the present day. His consistent service and wide-ranging experience have made him a cornerstone of the bank’s frontline customer service and operations. Andy Edwards’ 50-year milestone represents a remarkable legacy of service, loyalty and commitment to Kansas banking and the Wichita community. We are honored to recognize his contributions as a member of the KBA 50-Year Club. 18
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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 Congratulations to Gwen Hill, JD! 20 Years of Dedicated Service Gwen Hill, JD, VP-Staff Attorney (BCS), is celebrating 20 years with the KBA. Thank you, Gwen, for your hard work, commitment and passion. Your contributions have been essential to the KBA’s success and in supporting Kansas bankers statewide. We’re so grateful to have you on the team! 21
In Memory AMY ELIZABETH COX SCHMID Jan. 9, 1961-May 3, 2025 Amy Elizabeth Cox Schmid, 64, passed away peacefully on May 3, 2025. Amy lived a life full of joy, faith, determination and good humor. She was born on Jan. 9, 1961, in Sioux City, Iowa, to Helenann and Dr. Robert Cox. Graduating from Norfolk High School in 1979, Amy continued her education at the University of Nebraska-Lincoln, studying dietetics. A member of the Kappa Alpha Theta sorority, Amy cemented her lifelong love of Cornhusker football during her college years, later becoming the 1981 Homecoming Queen. Amy married Jeff Schmid in 1986 and they shared a 40-year love story. Amy and Jeff had two children — Abbie and Bobby — and raised them in Papillion, Nebraska. As a Registered Dietitian with a master’s degree in diabetes education, Amy had a passion for making health fun and approachable. She always had a cheese stick on hand, with a pun to go with it. Amy was a fixture on local television and radio in Omaha and Lincoln, hosting cooking segments as part of her 30-year career with the Dairy Council. Amy chaired the Aksarben Women’s Ball Committee in 2010 and enjoyed charitable pursuits her entire life, including supporting Avenue Scholars, SALSA and St. Frances Cabrini Catholic Church in Omaha. Amy’s sparkling spirit made everyone she encountered feel special and seen. She shined in her roles as a wife, mother, daughter, sister, sister-in-law, aunt and friend. She especially loved her newest role as a grandmother — aka “Mimi” — to three grandchildren born in the same week in 2025 — Lincoln David and twins, Leon Jeffrey and Gabriel Davey. Amy is survived by her husband, Jeff; daughter, Abbie (Schmid) Cuenca (Alex Cuenca); son, Bobby Schmid (Jordan Lambesis); her precious grandsons, family, friends and the countless strangers who felt the warmth of her presence. 22
HONORING THE TRUST COMPANY OF KANSAS FOUNDER STEVE ENGLISH The Trust Company of Kansas (TCK) is deeply saddened by the passing of its founder, Stephen “Steve” A. English Sr. (Steve), whose vision and leadership shaped the company from its beginning. In 1989, following changes in Kansas law, Steve left banking to establish TCK — the first non-depository trust company in the state. It was officially chartered on May 21, 1990. Steve passed away exactly 35 years later. TCK Co-Founder Kimberly Ufford reflected on the timing, calling it “unmistakably Steve.” Known for saying, “Our clients are our friends,” Steve built TCK on relationships, integrity and care for both clients and employees. In 2008, he created an Employee Stock Ownership Plan to ensure the company’s longevity and shared success. A passionate supporter of the arts, Steve often said, “The arts do more than just brighten our daily lives; they also truly support our communities.” His legacy of leadership, generosity and vision will continue to guide TCK for years to come. 23
BRIEFLY IN KANSAS BANKING CBK Names Chris Macias as Wichita Market President The board of directors of Citizens Bank of Kansas has appointed Chris Macias as the new Market President for Wichita. Macias joined CBK in 2014 and has over 25 years of banking experience. He currently serves as a Commercial Lender and Community Bank President for Winfield and West Wichita. “Chris has great business development skills — essential qualities for his new role as Wichita Market President,” said Kyle Russell, President of Citizens Bank of Kansas. “Chris is able to develop relationships that lead to strong commercial loans. His network of contacts in Wichita is already substantial. We look forward to the future of CBK in the Wichita market with Chris’ leadership.” A native of Wellington, Kansas, Macias graduated from Southwestern College and earned his MBA from Baker University. In addition to his work at CBK, Chris owns and coaches a baseball club, the South Central Gassers, for youth ages 11 and up. “The club was started as a great way to be involved with my sons and their love of baseball,” Macias said. “Now it has become an important way to provide club baseball to area youth.” Macias is also a real estate investor in the Wellington community and is actively involved in a variety of community efforts. Citizens Bank of Kansas Welcomes Jake Baird to the Team Citizens Bank of Kansas is pleased to announce that Jake Baird has joined the bank as a new Loan Officer to serve the greater Wichita market. Baird has more than 15 years of banking experience, including experience as a Credit Analyst, Credit Manager, Private Banking Relationship Manager and, most recently, a Senior Mortgage Originator. “The hiring of Jake Baird demonstrates our commitment to building an elite team of lenders that the Wichita community can rely upon to serve their lending needs — personally and professionally,” stated CBK President Kyle Russell. “Jake’s experience combined with that of our new Wichita Market President, Chris Macias, provides Wichita businesses a trusted resource for their banking and borrowing needs.” Baird earned his Bachelor of Business Administration from Wichita State University, majoring in marketing and minoring in management and finance. Jake enjoys spending time with his wife and three children, coaching his son’s baseball and basketball teams, and finding time for golf outings. 24
Stockgrowers State Bank Promotes Ken Kirsop Stockgrowers State Bank is pleased to announce the promotion of Ken Kirsop to Chief Lending Officer. Kirsop has extensive experience in lending and dedication to the mission of Stockgrowers State Bank. Kirsop is well equipped to lead the bank’s lending initiatives and support the financial needs of the bank’s customers. Since joining the company in 2015, Kirsop has played a pivotal role in leading the development of the bank’s diverse credit portfolio with a passion for helping individuals and businesses achieve their financial goals. His strategic vision and customer-first approach are instrumental in shaping the future of our lending services, overseeing the growing team of Stockgrowers loan professionals who represent the future of the bank. In addition to his role as Chief Lending Officer, Kirsop serves on the board of directors for Maple Hill Bancshares. Congratulations to Kirsop on this well-deserved promotion! Haberfeld Announces Key Leadership Transitions, Dr. Sean Payant Named President Haberfeld, a strategic growth partner for community financial institutions across the country, has announced the promotion of Dr. Sean Payant to President and the transition of Achim Griesel to President Emeritus. The key executive changes are part of the company’s long-term succession plan. Dr. Payant began as a Consultant at Haberfeld in 2007 and rose steadily within the organization while serving in key leadership roles, most recently as Chief Strategy Officer and Senior Executive Vice President. Dr. Payant brings a wealth of experience to his new role. As a respected industry expert, he has extensive experience working with industry associations and community financial institutions. He is an active faculty member at the Pacific Coast Banking School in Seattle, Washington, and the ABA Stonier Graduate School of Banking in Philadelphia, Pennsylvania. “With nearly two decades of experience at Haberfeld, Dr. Sean Payant has established himself as a nationally recognized expert in community banking,” says Ben O'Neill, Chief Executive Officer of Haberfeld. “His appointment as President signals an exciting new chapter for the firm, and we are confident in the strength of leadership and depth of expertise he brings to the role.” As President, Dr. Payant will collaborate with the leadership team to provide strategic oversight for the organization, manage key departments across the company and ensure the continued strength of client relationships. He will also remain actively involved in the ongoing development of HabWell, Haberfeld’s health services vertical. 25
2025 CALENDAR SEPTEMBER CFO Discussion Forum September 10, KBA Office, Topeka Advanced Agricultural Lending School September 10-12, Manhattan Advanced School of Banking, Year 1 September 22-26, Kearney, NE Stablecoins & the GENIUS Act: What Every Bank Needs to Know Now September 23, Virtual OCTOBER Compliance Update School October 8-9, Manhattan YBOK Annual Conference October 9-10, Lawrence Intro to Commercial Lending October 15, Virtual KBA Trust Conference October 23-24, Manhattan Commercial Lending School October 27-31, Manhattan NOVEMBER IBA Succession Planning Online Workshop Series November 3 & 17, Virtual Economic Outlook & Risk Management Conference November 5-6, Lawrence Fall IRA Essentials Training November 13, Virtual Fall IRA Advanced Training November 14, Virtual 610 S.W. Corporate View • Topeka, KS 66615 • 785-232-3444 • www.ksbankers.com • YOU WANT IT! (801) 676-9722 SALES@THENEWSLINKGROUP.COM DON’T ROLL THE DICE ADVERTISE HERE! CONTACT US TODAY EDUCATION TRACKS: CONFERENCES & IN-PERSON EVENTS VIRTUAL EVENTS SCHOOLS 26
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