OFFICIAL PUBLICATION OF KANSAS BANKERS ASSOCIATION NOVEMBER/DECEMBER ISSUE 6 2025 Seasons Greetings From Your KBA Staff
“Bankers' Bank of Kansas is the definition of a trusted partner. Trust, for me, is enough. I am confident when I share information with BBOK it won't leave their organization. When a partnership starts with trust, everything else follows.” JAY KENNEDY, FIRST NATIONAL BANK BBOK.com 316.681.2265 555 N Woodlawn, Bldg. 5 Wichita, KS, 67208 Backing the banks building our communities.
©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, Bankers Insurance Solutions Brenda L. Unruh, EVP — Director of Education, Communications & Strategic Partnerships 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, Administration Intern Education & Conferences LeAnn Mott, VP, Education & Conferences Natalie Wareham, AVP, Education & Conferences Alana Seelbach, AVP, Events/Office Coordinator Communications & Marketing Bree Hull, AVP, Communications & Marketing Insurance Elizabeth Roche, SVP, Employee Benefits Administration, Bankers Insurance Solutions Jenny Figge, SVP, Operations, Bankers Insurance Solutions Kent Owens, SVP, Bankers Insurance Solutions Cole Thompson, AVP, Bankers Insurance Solutions Samantha Lee, AVP, Employee Benefits, Bankers Insurance Solutions Clinton Moore, Agency Service Representative, Bankers Insurance Solutions 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 Lexi Koresh, 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 WASHINGTON UPDATE Join the Fight Against Fraud By Rob Nichols, President and CEO, American Bankers Association 6 LEADER’S LEDGER From Mahaska, With Love By Kathy Taylor, JD, EVP-General Counsel, KBA 8 KBA Insurance Is Now Bankers Insurance Solutions By Alex Greig, President, Bankers Insurance Solutions 9 2025 KBA FEDERAL AFFAIRS COMMITTEE, KBA BOARD MEMBERS, AND KBA’S BANK LEADERS OF KANSAS (BLOK) CLASS March on Washington, D.C., a Success! 14 2025 KBA Trust Conference Highlights 18 2025 YBOK Annual Conference 20 Service Runs Deep How Emporia and Lyon County State Bank Honor Veterans By Brianna Hull, AVP — Communications and Marketing, KBA 25 Briefly in Kansas Banking 28 50-Year Club Awards 30 In Memory 32 Kansas Bankers as Leaders 34 Bringing Global Innovation to Kansas Banks KBA Selects Finalists in NXTUS 6th Annual NXTSTAGE FinTech Pilot Competition 36 IRC §139L: A New Tax Exclusion for Agricultural Lenders By Sam Brandt, Tax Director, Forvis Mazars 3
Are you an early bird or a night owl? Do you prefer the pool or the beach? Coffee or tea? As ABA’s award-winning consumer education campaign #BanksNeverAskThat points out, banks would never ask a customer these questions. Nor would banks ever ask for a PIN, account number or other personal identifying information in an unsolicited call or message. What banks are asking for, however, is for the government to take a more comprehensive approach to fighting fraud and scams. With fraud losses among Americans now estimated to exceed $12 billion annually, and with scams becoming more sophisticated every day due to the evolution of AI and other technologies, it will take a coordinated effort to combat this dangerous threat. Over a year ago, I called on Congress and the administration to establish an Office of Scam and Fraud Prevention — within the Executive Office of the President — to coordinate interagency efforts, streamline consumer reporting processes, and develop a national scam and fraud prevention strategy encompassing both the public and private sectors. But we also need other industries — especially the telecom sector — to step up and do their part. Scammers use call spoofing, deceptive text messages and fake social media accounts to conduct a staggering number of fraudulent exchanges, and regulations around telecom providers are lacking. ABA has advocated for stronger laws to prevent illegal spoofing, WASHINGTON UPDATE Join the Fight Against Fraud By Rob Nichols, President and CEO, American Bankers Association enhanced standards for voice service providers to help consumers identify potentially fraudulent calls, and the establishment of a customer-reported database of scam text messages, which would enable businesses to monitor fraudulent texts being sent on their behalf. As we continue to advocate for more comprehensive rules for telecoms and other entities, banks continue to do their part to protect their customers from the financial and psychological harm caused by fraud. ABA has played a leadership role in recent years to arm bankers with the tools and resources they need to help protect their customers. We’ve established the ABA Fraud Contact Directory, which enables banks to more quickly resolve fraudulent check claims for their customers and identify contacts at other banks to help stop fraudulent transfers of funds. Earlier this year, we also rolled out exclusive ABA member access to check payee verification through the Treasury Check Verification System. This tool has already been used to validate over half a billion dollars’ worth of checks. And this past October, ABA was proud to bring back our award-winning consumer education campaigns — #BanksNeverAskThat and #PracticeSafeChecks — both of which aim to increase consumer awareness about common fraud and scam tactics. These campaigns were updated with new content that banks can access and share for free. I hope you’ll join the thousands of banks across America who have already signed up to participate in this campaign. Your engagement will help us spread this valuable knowledge far and wide, protecting the livelihoods of millions of Americans from fraudsters. The fraud threat is ever evolving, but consumers can count on America’s banks to have their back. Email Rob at nichols@aba.com. 4
LEADER’S LEDGER From Mahaska, With Love As I reflect on my career at the KBA, I have to chuckle knowing that many who will be reading this weren’t even a glimmer in their parents’ eyes when I started working at the KBA in September 1988! My second week into this journey, I was introduced to the KBA’s fall conferences: a whirlwind tour of the state over two weeks. (Three towns in three days, twice!) I had no idea what to expect, as I had barely moved into my office, but I was pleasantly surprised when Harold Stones informed me that staff would each have their own motel room. Wow — I had arrived! That was just the first of many adventures with Kansas bankers and my KBA family. We have fought many battles together along the way, from losing investment subsidiaries but gaining a privilege tax reduction, to attacking credit unions’ field of membership expansion and eliminating the mortgage registration tax. But every battle was well worth it because it made your lives as bankers better, which in turn made your communities better. It is a fact that every bank is systemically important to the communities it serves. I encourage you all to be ready for the challenges that lie ahead! Please continue to stay heavily involved in the KBA, as it is your association, and your team stands ready to fight for you every day! I don’t have to tell Kansas bankers that the KBA is in great hands. The team that I will no longer have the privilege of working beside consists of highly productive, professional and loyal individuals. Great things lie ahead for the industry because of the hard work and dedication they put forth. And it starts at the top with the KBA President & CEO, Doug Wareham. I will always believe that the day I approached Doug in the Capitol and asked if he would consider leaving his current association to work for the KBA was one of the best dang days I have ever had! I am confident you all agree. In addition to the successes on the battlefield, it is the friendships with bankers and their families that helped make my KBA journey so rewarding and enjoyable. You are what made my work not feel like work. It has truly been an honor and a privilege to fight for you and alongside you over the decades. I will forever be proud to say that I represented the Kansas banking industry for nearly 40 years. It’s been a career that this farm girl from Mahaska could never, ever have dreamed possible. Thank you and God bless! By Kathy Taylor, JD, EVP-General Counsel, KBA Please Join Us for A Retirement Party Honoring Kathy Taylor, JD Friday, January 30, 2026 2:00 - 4:00 p.m. KBA Office 610 S.W. Corporate View Topeka, KS 66615 RSVP to Alana Seelbach via Email at aseelbach@ksbankers.com 6
Taylor-Made A home-made garment, sewn with care, definitely finds no match. Not even ready-made can compare, to the good old hand-made batch. Like a seamstress who must be conscientious, to put every stitch in place. Mom and Dad also pulled and tugged, to ease three girls into the human race. My parents worked to make, three times, a product that will not fade. Pam, Di, and I are fortunate, like a garment, we’ve been ‘Taylor-Made’. And as with care this garment is formed, so that it will endure. “A stitch at a time” did save us nine, and made our stepping sure. A lot of pressing, pulling, and praying, goes into that article that’s sewn. Plenty of each is in us, too, and has helped as we’ve grown. Although here and there the garment is pieced, or stretched to make ends meet. Having a family, full of love, made those times easy to beat. Just like that well-made garment, we were carefully patterned and shaped. To fit the body of life, and fill the holes that gaped. To Mom and Dad – I can only say, there is only one issue you can’t evade. You’ve done the job of parenthood well! Thanks from three who are ‘Taylor-made’. By Kathy Taylor 7
KBA Insurance Is Now Bankers Insurance Solutions Over the years, many of you have known us simply as KBA Insurance. It’s a name that has served us well, representing our long history as a trusted provider of Crime Bond, D&O, Property and Casualty and Employee Benefits coverage for community banks across Kansas. But as community banking continues to evolve, so have the needs of our members — and so have we. That’s why I’m excited to share that KBA Insurance is officially changing its name to Bankers Insurance Solutions. This new name reflects who we are today and the direction we are committed to moving in the future. Why the change? When many people hear “insurance,” they understandably think about traditional coverage lines. While those remain a core part of what we do (and always will), we’ve grown to offer much more. Today, we are focused on delivering solutions — not just products — designed specifically for bankers and the challenges you face every day. That includes support in areas like: • Employee benefits and retention strategies • HR, compliance and operational support • Cyber and technology-related risk solutions • Advisory-style partnerships • Access to evolving, bank-focused programs What’s staying the same • We remain a wholly owned subsidiary of the Kansas Bankers Association • Our mission is still to protect and strengthen Kansas community banks • Our team and our approach are built on relationships, not transactions Looking ahead Community banks continue to be a cornerstone of Kansas communities, and our role is to make sure you have the By Alex Greig, President, Bankers Insurance Solutions resources, protection, and support to thrive as the industry changes. Our team is energized, aligned, and excited about the road ahead. Thank you for trusting us, challenging us, and allowing us to grow with you. We are proud of where we’ve been and even more excited about where we’re going — together — as Bankers Insurance Solutions. If you have questions, ideas, or just want to talk about where your bank is headed, we would love to hear from you. 8
2025 KBA FEDERAL AFFAIRS COMMITTEE, KBA BOARD MEMBERS, AND KBA’S BANK LEADERS OF KANSAS (BLOK) CLASS March on Washington, D.C., a Success! (L-R) Back Row: Nick Barnes, Kendal Kay, Mark Schifferdecker, Dan Bolen, Gene Dikeman, Tony Nemec, Kathy Taylor. Front Row: Doug Wareham, Janelle Wareham, Nancy Schifferdecker, Michelle Bowman, Kyle Campbell, John Hower, Kendra Campbell, Julie Hower, Mary Dikeman, Matyson Barnes On Thursday, Sept. 18, Kansas native Michelle “Miki” Bowman was sworn in as the Vice Chair for Supervision for the Board of Governors of the Federal Reserve System. Kansas Bankers Association Leadership was honored to participate in the official swearing-in ceremony in Washington, D.C. KBA Board of Directors, members of the KBA Federal Affairs Committee and the 2025 KBA Bank Leaders of Kansas (BLOK) spent several days in the nation’s capital to lobby Kansas’ members of Congress and to visit with Federal banking regulators about issues of importance to the banking industry. The BLOK class started their visit with a guided night bus tour of Washington, D.C.’s memorials and monuments on Sunday evening, Sept. 14. Morning sessions began on Monday, Sept. 15, with an ABA 101 at the American Bankers Association’s office and a panel discussion with Kansas’ Congressional Staffers to gain an insider’s view of Congressional operations. On Tuesday, Sept. 16, the entire group resumed meetings at the ABA office, having a dialogue with the U.S. Department of the Treasury, the FDIC and the OCC, presenting KBA’s regulatory priorities including indexing regulatory bank thresholds, modernizing FDIC deposit insurance, the potential repeal/rewrite of Section 1071, guidance on the debanking executive order, and obtaining official guidance on the ACRE Act contained in the One Big Beautiful Bill (OBBB). Bankers also heard from ABA staff on the potential of a “Farm Bill 2.0” to address ag issues that weren’t included in the OBBB. On Wednesday, Sept. 17, the group of almost 60 bankers visited Capitol Hill to thank lawmakers for their support of the ACRE Act and the bill prohibiting mortgage trigger leads. Bankers also shared KBA’s legislative priorities, which include indexing regulatory and statutory asset thresholds, modernizing FDIC deposit insurance, credit union taxation and the potential for a Farm Bill 2.0, among other issues. The trip concluded with an evening reception open to all Kansas Congressional Delegation members and their staff, which took place on the Hill in the U.S. Capitol House Agricultural Committee Room. Please see the highlights from the trip in the following: Kansas Bankers Meeting With Their Kansas Congressional Delegation U.S. Senator Jerry Moran U.S. Senator Roger Marshall 9
KBA Briefing at American Bankers Association’s Headquarters U.S. Representative Ron Estes U.S. Representative Tracey Mann U.S. Representative Derek Schmidt (L-R) ABA’s Hugh Carney, EVP Financial Institution Policy & Regulatory Affairs and Ed Elfmann, SVP Agriculture and Rural Banking U.S. Department of the Treasury Discussion (L-R) John Crews, Deputy Assistant Secretary for Financial Institutions with Treasury; KBA Chair Julie Hower, President & CEO, Farmers & Drovers; Abby Wendel, President & CEO, Landmark National Bank KBA met with John Crews, Deputy Assistant Secretary for Financial Institutions with Treasury, to discuss future guidance on the ACRE Act tax deduction, specifically to explain why clarity on the “refinancing” piece is needed. They also discussed the debanking executive order from President Trump, the status of stablecoins/CBDC, and indexing regulatory thresholds such as CTR requirements. 10
Greg Coleman, OCC Senior Deputy Comptroller for Bank Supervision and Examination and staff members met with the KBA at their headquarters. Bankers thanked them for their quick actions to eliminate reputational risk and regulatory guidance on responding to President Trump’s debanking executive order. Bankers also stressed the need for regulatory index tailoring and the OCC’s continued defense of preemption in the banking space. KBA met with Ryan Billingsley, Director, Division of Risk Management Supervision and Alex LePore, Deputy Advisor to Acting Chairman Hill, at the FDIC headquarters to present the KBA’s stance on FDIC deposit insurance reform and the need for universal coverage. Bankers also discussed the FDIC’s proposal on indexing regulatory thresholds and regulatory guidance on President Trump’s debanking executive order. OCC Discussion Congressional Staffer Panel Discussion KBA Reception at U.S. Capitol House Agriculture Committee Room (L-R) Paul Snapp, First Kansas Bank, Great Bend; Representative Derek Schmidt and Elise Snapp (L-R) Brandon Harder, Chief of Staff for Representative Tracey Mann and KBA Past Chairman Gene Dikeman, Bank of the Plains, Hutchinson (L-R) KBA Chair Julie Hower, President & CEO, Farmers and Drovers; Ryan Billingsley, Director, Division of Risk Management Supervision; Alex LePore, Deputy Advisor to Acting Chairman Hill FDIC Discussion The 2025 BLOK Class was joined by U.S. Senator Moran’s Financial Services Legislative Assistant, Seth MacKinney, and Congressman Derek Schmidt’s Chief of Staff, Krisann Pearce, for a behind-the-scenes look at a day in the life of a staff leader on Capitol Hill. The panel was kicked off by Ryan Gilliland, First Vice President, Director of Government and Industry Relations for FHLBank Topeka. KBA President & CEO Doug Wareham then moderated the conversation, which discussed best practices for industry engagement with elected officials, staff challenges in balancing campaign and official duties, and Congress’s priorities for the year. Special thanks to FHLBank of Topeka for sponsoring this session and the BLOK program. 11
(L-R) Kennedy Reimer; Tyson Reimer, Central National Bank, Junction City; KBA Chairman-elect Kendal Kay, Stockgrowers State Bank, Ashland and Gold Sponsor Frank Berndt, Olsen Palmer (L-R) Sherriene Jones-Sontag, FHLBank Topeka; Cody Heiman, First Bank Kansas, Salina; Representative Tracey Mann; Representative Ron Estes; Ron Mason; Tony Nemec and KBA EVP-General Counsel Kathy Taylor The 2025 BLOK class gathered at the FDIC Headquarters in Washington, D.C. KBA Board and Federal Affairs Committee Members Leading the Charge in Washington, D.C. (L-R) Paige Meader, First National Bank of Kansas, Waverly; Mark Lair, Bank of Commerce, Chanute; Kate Lair; Karen Lair; KBA EVP-General Counsel Kathy Taylor; and KBA President & CEO Doug Wareham Thank You to the Sponsors of the 2025 “March on Washington DC” Trip! Premier Platinum Bronze Gold 12
40 YEARS STRONG Four Decades of Growth, Innovation, and Customer Commitment 800-347-4MIB mibanc.com MIB proudly reflects on four decades of commitment to our customers and the communities they serve. Since its founding, MIB has focused on empowering community banks with innovative financial solutions, reliable support, and a steadfast dedication to their growth and success. As we look to the future, we are excited to continue to increase the products and services available to community banks while fostering strong, collaborative relationships. MEMBER FDIC Lending Services Operational Services Audit Services 40years
2025 KBA Trust Conference Highlights The KBA Trust Division hosted its annual Trust Conference on Oct. 23-24 at the Hilton Garden Inn in Manhattan. The conference provided attendees with valuable, up-to-date insights on the latest trends and advancements in trust and estate management, equipping them with practical tools and knowledge. 2025-2026 Trust Division Board of Directors • Tasha Bucher, President, The Trust Company of Kansas, Arkansas City • Amy Barber, President-Elect, Central National Bank, Topeka • Sherri Gormley, Vice President, First National Bank of Hutchinson, Hutchinson • Mark Kennedy, Immediate Past President & MOKAN Treasurer, Citizens State Bank & Trust Company, Ellsworth • Lori Bone, Past President, Fidelity State Bank & Trust Company, Dodge City • Grant Paitz, Director, INTRUST Bank, N.A., Wichita • Chris Kuckelman, Director, Midwest Trust Company, Overland Park • Debbie Newman, Director, Southwest National Bank, Wichita • Jeff Wacker, Director, Advantage Trust Company, Salina • Beth Boldt, Director, Assured Trust Company, Overland Park • Joe Karnes, Legislative Representative, Central National Bank, Lawrence Mark Kennedy, of Citizens State Bank & Trust Co., Ellsworth, was recognized for his outstanding service as President of the KBA Trust Division. Tasha Bucher, of The Trust Company of Kansas, Arkansas City, will serve as the incoming President. Thank you, Mark, for your leadership and commitment to the Trust Division! Maximizing Retirement Savings with SECURE 2.0: Strategic Financial Planning, Tax Implications, and Practical Applications Opening Up Private Markets: A Revolutionary Shift for Asset Managers and Trust Investors Larry Divers, Cannon Financial Larry kicked off the conference with practical strategies to help clients make the most of the SECURE 2.0 Act. Attendees explored how new catch-up provisions can enhance retirement planning through smart financial, tax and implementation decisions. In his second session, Larry examined how the democratization of private markets is reshaping opportunities for asset managers and trust investors. The discussion highlighted trends expanding access and transforming traditional investment landscapes. Hot Fiduciary Compliance Topics for Trustees Patrick Alyward, TRUSTWorthy Consultants Patrick covered evolving fiduciary compliance expectations, recent regulatory changes and best practices for trust officers to avoid common pitfalls and maintain strong oversight. 14
Economic and Market Outlook John Tousley, CFA, Goldman Sachs John shared a timely market update, offering insight into current macroeconomic conditions and how investors can navigate today’s shifting environment with confidence. The Children of the Revolution: Digital Revolution, Millennials and a Secular Bull Market Steve Chiavarone, Federated Hermes Steve analyzed the ongoing digital revolution and the growing influence of the millennial generation. His presentation connected these forces to the potential for a continuing secular bull market. The Richest Man in Town V.J. Smith, Author V.J. delivered an inspiring message drawn from his bestselling book, sharing the unforgettable story of “Marty,” a humble cashier whose kindness and respect for others left a lasting mark — reminding attendees that anyone can make a difference. Elevate Your Conversations with the 2025 Guide to Retirement Michael Conrath, J.P. Morgan Asset Management Michael closed the conference with actionable insights from the Guide to Retirement. His engaging visuals and data-driven advice helped attendees strengthen client conversations around longevity, volatility and tax-efficient planning. Tradeshow and Networking Photos 15
2025 KBA TRUST CONFERENCE SPONSORS PLATINUM THANK YOU! BRONZE SILVER PREMIER GOLD 2021REGISTRATION 16
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2025 YBOK Annual Conference Over 135 bankers and strategic partners gathered in Lawrence for the Annual Young Bank Officers of Kansas (YBOK) Conference with KU Men’s Basketball Head Coach Bill Self, Abrigo’s Elissa Brewer, Kansas State Treasurer Steven Johnson and more! Thank you, attendees and sponsors, for making this our biggest year yet! As part of their Corporate Citizenship initiative, YBOK donated $1,500 to Growing Food Growing Health to continue supporting the Lawrence community with food donations. Keynote speaker Harry Campbell motivated attendees to have a “get real” mindset. Kathy Taylor, EVP-General Counsel with KBA, highlighted the KBA’s agenda on federal issues for the next year and gave an update on the association. Lee Smith, Economist with the Federal Reserve Bank of Kansas City, gave attendees a look ahead at the economic state of the country. (L-R) Moderator Tyler Walden, Allen Gibbs & Houlik LC; Pat Gideon, Chairman, President, & CEO of Silver Lake Bank; and Julie Hower, KBA Chairman, President & CEO of Farmers & Drovers Bank. Leadership and building a successful career in banking were two highlights of the CEO Panel. KU Men’s Basketball Coach Bill Self spoke on building winning teams. Elissa Brewer with Abrigo shared insights on cybersecurity and fraud. State Treasurer Steven Johnson provided an update on his work as the state’s banker and his vision for the year ahead. 18
Premier Bronze Gold The Annual YBOK conference wrapped up following a packed afternoon featuring a leadership CEO panel, economic update and a “get real” mindset session. Let’s build on this success — save the date for next year’s YBOK Conference on Oct. 1-2 in Manhattan! 2025-2026 YBOK Division Board of Directors • Rocky Anderson, President, Kaw Valley Bank, Topeka • Beth Masterson, Vice President, Legacy Bank, Wichita • Jordan Lauer, Secretary/Treasurer, Farmers State Bank, Westmoreland • Francis Scheuerman, Past President, UMB Bank, Kansas City • Nick Gideon, Region 1, Silver Lake Bank, Lawrence (nominated for second three-year term) • Alex Jones, Region 1, Bank of Commerce, Neodesha • Greg Thiessen, Region 2, The Bank of Tescott, Beloit (nominated for second three-year term) • Tom Sheik, Region 2, State Bank of Bern, Bern • Victoria Pruitt, Region 3, First National Bank of Hutchinson, Hutchinson (nominated for second three-year term) • Brock Stuhlsatz, Region 3, Citizens Bank of Kansas, Derby • Amanda Williams, At-Large Representative, Bankers’ Bank of Kansas, Wichita • Jenell Hulse, At-Large Representative, Peoples Bank and Trust Co, McPherson • Cody Heiman, At-Large Representative, First Bank Kansas, Salina (nominated for first three-year term) • Andrew Holtgraves, Ambassador, Mortgage Investment Services Corp., Shawnee • Tyler Walden, Ambassador, AGH, Wichita (nominated for second three-year term) • Jason Hatfield, Ambassador, Security 1st Title, Wichita (nominated for second three-year term) Conference Sponsors 19
Service Runs Deep How Emporia and Lyon County State Bank Honor Veterans By Brianna Hull, AVP — Communications and Marketing, KBA Emporia, Kansas, proudly holds the title of the Founding City of Veterans Day, a legacy rooted in local conviction and national recognition. In 1953, Emporia resident Alvin J. King proposed changing Armistice Day to Veterans Day so that all U.S. veterans, from every war and conflict, would be honored. With support from Congressman Ed Rees, that idea became federal law in 1954, and in 2003, Congress formally declared Emporia as the founding city of the holiday. That tradition of service continues today through Freedom Fest, Emporia’s annual Veterans Day celebration honoring service and sacrifice through community participation. Among the organizations proudly supporting the event is Lyon County State Bank (LCSB). This trusted hometown community bank has served Emporia since 1913 and built a reputation for unwavering community commitment. Each year, LCSB not only sponsors Freedom Fest’s Freedom Ride, 5K Run and family activities, but also honors veterans through its Veteran Banner Program, which displays dozens of local heroes on the bank’s building at no cost to families. The bank’s dedication goes beyond banners, from distributing Veteran Challenge Coins and maintaining a community billboard thanking all who served, to sponsoring the USD 252 Honor Flight Program, The Wall That Heals traveling Vietnam Memorial and the Wreaths Across America initiative that places wreaths on local veterans’ graves during the holidays. Through both financial support and hands-on volunteerism, LCSB’s employees exemplify the bank’s mission of “Building Friends, Families and Futures,” living proof that Emporia’s spirit of service still runs deep. For Russell “Rusty/Russ” Bonitatibus, Jr., Senior Vice President at Lyon County State Bank and a proud U.S. Navy veteran, Freedom Fest is more than an event. It’s a reflection of community pride and a personal reminder of his own journey of service. Originally from Milford, Connecticut, Russ enlisted in the Navy in 1981 at just 17 years old, inspired by the sight of ships sailing through Long Island Sound near his childhood home. After completing boot camp at Great Lakes, Illinois, he trained at the Shipboard School in Norfolk, Virginia, where he once helped secure old battleships during a coastal storm, an early glimpse into the hands-on work of naval service. He was later assigned to the USS Saratoga (CV-60), a Forrestal-class aircraft carrier then undergoing overhaul at the Philadelphia Naval Shipyard. Russ Lyon County State Bank proudly honors local veterans. The bank’s Emporia location features banners recognizing community members who have served, including Kansas banker Russell “Rusty” Bonitatibus, Jr., a U.S. Navy and Army National Guard veteran. LCSB in Emporia, Kansas Russ Bonitatibus and the LCSB Cycling Ambassadors before the Freedom Fest 20 Mile USD252 Honor Flight Ride Russ Bonitatibus welcomes all cyclists to the Lyon County State Bank-sponsored Freedom Fest 20 Mile USD252 Honor Flight Ride in Emporia. 20
lived aboard Saratoga during its refit. He later deployed out of Mayport, Florida, where the ship conducted sea trials and readiness exercises off Guantánamo Bay, Cuba, before heading on two extended Mediterranean Sea deployments. His time aboard “Super Sara” included rigorous training operations, shipboard firefighting and medical drills to prepare crews for combat conditions, as well as visits to multiple countries. His last tour in the Navy was at the Naval Air Maintenance Training Center at Naval Air Station in Jacksonville, Florida, where he was awarded the Navy Achievement Medal from the Secretary of the Navy. Following active duty, Russ served one additional year in the Army National Guard Infantry, continuing his commitment to service before transitioning to civilian life. Today, Russ helps coordinate LCSB’s Freedom Fest sponsorship, and each year, he personally rides in the 20-mile Freedom Ride, joining veterans, cyclists and neighbors in honoring the spirit of Veterans Day and the community that continues to celebrate those who serve. Q&A with Russell Bonitatibus, Jr. Community and Veteran Support Emporia is known as the Founding City of Veterans Day. How does that history influence the bank’s commitment to community service and patriotism? Lyon County State Bank has been part of the Emporia community since 1913 and has always been a strong supporter of local service organizations, community projects and businesses. Our core mission statement — “Building Friends, Families and Futures” — perfectly reflects that. Everything we do is connected to our community and grounded in patriotism. Beyond Freedom Fest, what other ways does Lyon County State Bank give back to veterans and local service organizations? The bank runs a Veteran Banner Program each year at no cost to veterans or their families. Customers and non-customers can apply to have a banner of their veteran The aircraft carrier on which Russ proudly served during his time in the U.S. Navy. Known as “Super Sara,” the Saratoga played a vital role in U.S. naval operations throughout the Cold War era. Freedom Fest in Emporia The Chamber Co-Volunteer Award was presented to Russ Bonitatibus by the Emporia Chamber of Commerce. Russ with his Navy uniform and his Mediterranean cruise jacket from his service aboard the USS Saratoga (CV-60). Russ as a Yeoman Second Class, United States Navy — a proud sailor whose service reflected honor, discipline and devotion to duty. 21
displayed on the bank’s building, and we cover all production and installation costs. Families often come to town during Veterans Day events to take photos with their banners. It’s really touching to see their reactions. Each honored veteran, or their family if the veteran is deceased, receives a free 20-inch by 10-inch color poster of the banner. We also display a billboard thanking all veterans for their service and hand out Veteran Challenge Coins that read “Thank You for Your Service” on one side and “Honoring All Who Serve” on the other. Our bank has supported the USD 252 Honor Flight Program, served as a major sponsor of The Wall That Heals traveling Vietnam Memorial and purchased a custom steel veterans’ bench for the Emporia Veterans Memorial Park. We also participate in Wreaths Across America, purchasing wreaths to be placed on veterans’ graves in Maplewood Memorial Cemetery during the holidays. Personally, I serve on the USD 252 Honor Flight Board, helping raise funds to send veterans to Washington, D.C. I’m also a member of Emporia Legion Post #5, and I serve on subcommittees for both Wreaths Across America and Freedom Fest. How does community involvement like this align with the bank’s overall mission and values? It fits perfectly with our mission of “Building Friends, Families and Futures.” Making our community a great place to live takes individuals and businesses working together toward a shared purpose. Patriotism and community service go hand in hand. What impact do events like Freedom Fest have on the community — especially on younger generations? Freedom Fest promotes patriotism, love of the country and appreciation for those who have sacrificed so we can enjoy our freedoms. It’s a chance to reflect on both history and the future. The USD 252 Honor Flight Program is especially powerful. Each veteran who travels to Washington, D.C., is paired with a student guardian — a high school student who assists the veteran throughout the trip. These students push wheelchairs, accompany veterans to memorials and listen to their stories. This certificate was awarded to Russ aboard the USS Saratoga on Dec. 10, 1985, commemorating his first crossing of the Equator and his induction into the Ancient Order of Shellbacks, a longstanding U.S. Navy maritime tradition. Awarded to Yeoman Second Class Russ for professional achievement from March 1986 to August 1989. Presented by the Secretary of the Navy and signed by Rear Admiral James D. Cossey, Chief of Naval Technical Training. Group photo featuring Russ and his fellow sailors during basic training. Russ with Cynthia Rhodes during her visit to the USS Saratoga for a USO show on Thanksgiving Day. The retired actress and singer is known for her roles in Dirty Dancing (1987), Staying Alive (1983), Runaway (1984), Flashdance (1983) and Curse of the Crystal Eye (1991). 22
It builds a connection between generations that you won’t find in textbooks. To our knowledge, this is the only Honor Flight chapter in the nation that uses student guardians, and it truly helps younger generations understand the meaning of service and sacrifice. Personal Connection: Russ’s Perspective As a veteran yourself, what does it mean to see Lyon County State Bank supporting events like Freedom Fest? It makes me proud, humbled, and appreciative. I’m proud to be part of a bank that honors me and so many other veterans — with the Veteran Banner Program, Challenge Coins, the Thank You for Your Service Billboard and even patriotic tote bags we give out. LCSB’s financial support for Freedom Fest, The Wall That Heals and the Honor Flight Program really stand out. I’ve also personally been on the Honor Flight — and it was an incredible, emotional experience. What goes through your mind during Freedom Fest, seeing the community and veterans come together in honor and celebration? Pride. Gratitude. Reflection. You see the flags, the runners, the families gathered — and it’s emotional. There’s a shared appreciation for what veterans have done and what freedom really means. It’s a reminder of sacrifice and of how this community continues to honor it year after year. USS Saratoga (CV-60) caps belonging to Russ, honoring his time aboard the historic aircraft carrier and lifelong pride in his naval service. Russ reunited with his fellow veterans in Washington, D.C., on his honor flight. What was it like to live on an aircraft carrier that had around 5,000 sailors and over 90 assorted aircraft? I was stationed on the USS Saratoga aircraft carrier, which was over 1,063 feet long — more than three football fields placed end to end. When deployed, the ship carried a crew of about 5,000 sailors and Marines, along with more than 90 aircraft, including the F-14 Tomcat, A-6 Intruder and A-7 Corsair. Reveille was at 6:00 a.m., and taps were at midnight. I usually arrived at the office around 7:00 a.m. after breakfast and went to bed at taps. The ship was like a small city, complete with a barbershop, post office, convenience store, two chow halls, dental and medical offices, a surgical unit, library, weight room and a recreation office where you could check out items. Everyone on board had to be trained in firefighting, medical response, nuclear and biological defense, and damage control, among other areas. The sleeping conditions were rough — you slept in “coffin-like” steel racks with a two-inch mattress, a wool blanket, a pillow and a sheet. Each rack had a small reading light and a curtain for privacy. All of your clothing, food, books and personal items had to fit in a two-by-two-foot storage locker. My berthing area housed about 40 sailors, but some places had hundreds. It was challenging to sleep with constant shift Russ stands beside his veteran banner, displayed by Lyon County State Bank in Emporia to honor his service in the U.S. Navy and Army National Guard. Hi-Noon Emporia Kiwanis Club (2002–2003) As President of the Hi-Noon Emporia Kiwanis Club, Russ exemplified a spirit of service and leadership, continuing his long-standing commitment to strengthening the Emporia community. 23
changes, running showers and people getting ready for duty, as well as aircraft taking off and landing directly above your head 24/7. The bathrooms were stainless steel, and the showers were narrow with a small hose and nozzle that had to be pressed to get water, which wasn’t much. Sometimes the water was too hot, too cold or smelled like jet fuel. The ship handled all uniform laundry, but there was no guarantee your clothes would come back to you — or come back clean. If they didn’t, you had to buy replacements out of your own pocket. Mealtimes could be just as challenging; chow lines often stretched for an hour or more. They served breakfast, lunch, dinner and a late-night meal around 10:00 p.m., called “Midrats,” which was made up of leftovers from the day. The food was replenished at sea, and for the most part, it was excellent, especially breakfast. “Liberty Call” was much like the chow line — you often waited hours to get off the ship. Not everyone could take liberty at once in an emergency, so we rotated in two- or three-shifts. Because we were a carrier, we never docked directly at port. Instead, we anchored miles offshore and took “Liberty Boats,” small dinghies that were often wet, rough, and they took time. Liberty was always worth it, though. I visited Italy, France, Spain, Singapore, Yugoslavia, Egypt, Africa, the Bahamas, the Virgin Islands, Fort Lauderdale and Diego Garcia, and I traveled through the Suez Canal. Before each port visit, we were given a small booklet outlining local customs and laws so we could avoid trouble, since breaking a law could result in detention. I really enjoyed experiencing the different cultures and foods in those ports. Emporia Area Chamber of Commerce (2019) Recognized for his outstanding leadership and dedication, Russ served as Chairman of the Board for the Emporia Area Chamber of Commerce in 2019 — continuing a career defined by civic engagement and community impact. National Commercial Lending School — University of Oklahoma (1996) A lifelong learner, Russ completed the National Commercial Lending School through the American Bankers Association’s Executive Schools Division in 1996, furthering his expertise in finance and his commitment to professional excellence. Russ later served as a KBA instructor for correspondence and classroom courses. Russ rode on the USD #252 Honor Flight Float during the Emporia Veterans Day Parade. While in port, I lived aboard the ship as part of the “ship’s company.” During those times, we only had breakfast, lunch and dinner on board, with no laundry, dental or medical services available — you had to use on-base facilities and pay for them (except for medical and dental). We parked far from the ship and took a base bus to get around. With a base pay of $800, I couldn’t afford a car at first, so I walked or took the local bus. Fortunately, the base had essentials such as a grocery store, restaurants, a bar, laundry facilities, a recreation center and a hospital, all accessible by bus. Eventually, during my second enlistment at Naval Air Station Jacksonville, I was able to buy a vehicle. Closing Reflection Through programs like Freedom Fest, the Veteran Banner display and the countless initiatives LCSB supports year-round, the message is clear: Emporia’s legacy of honoring service is alive and well. And for Russ Bonitatibus, a sailor turned community banker, that’s what it’s all about — carrying the spirit of service forward, one relationship and one community event at a time. “My military background shaped my life and the principles I live by, belief in God, country and family,” Russ said. “It taught me to lead by example, to be compassionate, to volunteer, to work as a team and to stay disciplined. It also gave me the drive to be self-motivated and always do my best. Those lessons carry over into everything I do at the bank and in the community.” National Leadership Emporia Program — Eighteenth Class Completing the Leadership Emporia Program, Russ was honored for his dedication, drive and vision for the city’s future — a reflection of his belief in developing strong leaders and vibrant communities. Russ was also a facilitator for the Kansas Leadership of Emporia Program. 24
New Docking Exhibit Honors Family Legacy The Cherokee Strip Land Rush Museum in Arkansas City has opened an expanded exhibit honoring the Docking family’s long history of public service in Kansas. More than 160 people, including Governor Laura Kelly, attended the dedication ceremony celebrating their legacy. The Dockings are one of Kansas’ most recognized political families, with George Docking serving as governor from 1957 to 1961 and his son, Robert Docking, serving from 1967 to 1975. Their leadership in state government left a lasting mark on Kansas history and inspired future generations of public servants. In addition to politics, the Dockings built a strong foundation in the banking industry through Union State Bank in Arkansas City. Their work in community banking reflected the same values of service and trust that guided their time in public office, and the family’s influence continues to be felt in Kansas banking circles today. The new exhibit showcases personal items such as Bernice Docking’s handwritten letters, a vintage suit jacket and the family’s original bank desk. Together, these artifacts highlight the Docking families impact on both banking and politics, offering visitors a deeper understanding of their role in shaping Kansas communities. BRIEFLY IN KANSAS BANKING The Farmers State Bank Celebrates 125 Years with $76 million in assets. Today, it holds the unique distinction of being both the oldest and smallest operating bank in the county, a reminder of its staying power and dedication to local roots even as the banking industry has undergone immense changes. What has remained constant throughout the bank’s history is its deep commitment to community. FSB has built its reputation on more than financial services — it is also a partner in civic life, supporting local organizations, donating to causes and encouraging employees to volunteer their time and talents. That tradition continues under the leadership of Tonya Barta, the bank’s 11th president and the first woman to hold the role. Tonya emphasizes the importance of carrying forward the values that have guided FSB for over a century while also preparing it to meet the needs of a new generation. As FSB celebrates this milestone, it remains dedicated to providing personalized hometown banking with a focus on trust, service and community engagement. The Farmers State Bank (FSB) is commemorating an impressive 125 years of continuous service to the people of Jackson County and beyond. The bank first opened its doors in Circleville in 1900 with just $5,000 in capital and a mission to provide dependable financial services to its neighbors. Over the years, FSB relocated to Holton, where it has steadily grown into a trusted institution 25
Mark Schifferdecker, President and CEO of GNBank. “Earlier this year, we were able to help provide assistance to one of our local Native American tribes due to their programs. The FHLBank Topeka staff does an excellent job guiding both our bank staff and our customers through the entire process. The extent of impact these housing programs have had upon our Kansas communities is immeasurable. Kansas is a much better place to call home because of FHLBank Topeka’s housing programs.” Stacy Gear Completes Graduate School of Banking Citizens Bank of Kansas in Derby extends congratulations to Stacy Gear, the Chief Development Officer/SVP at CBK, who recently completed the Graduate School of Banking at Colorado (GSBC). A nationally recognized leadership development program for community bankers, the GSBC includes a rigorous 25-month curriculum designed to prepare rising leaders and improve their financial institutions and communities. In addition, Stacy successfully completed the Committed to Lead Micro-Credential program at GSBC. This program of additional coursework is offered exclusively to second- and third-year GSBC students; it is designed to build bold, future-oriented community bank leaders. “We extend our sincere congratulations to Stacy on her GSBC graduation,” stated Kyle Russell, CBK President. “This significant achievement reflects her commitment GNBank Receives Regional Housing Champion Award GNBank, headquartered in Girard, Kansas, received the Regional Housing Champion Award at the FHLBank Topeka regional meeting. Since 2021, GNBank has utilized FHLBank Topeka TurnKey programs to provide $138,500 in down payment and closing cost assistance to make the dream of homeownership a reality for 14 households. To further support their community, GNBank utilized reduced rate advances through our Community Development Program to support 14 community development projects and retain 48 jobs. Their commitment to supporting Native Americans is also noted with participation in FHLBank’s Native American Housing Initiatives (NAHI) Grant Program partnering on a $500,000 grant to Kickapoo Housing Authority to provide repair assistance to approximately 20 homeowners to make their aging homes safe and livable. Additionally, through the Lending Enhancement Advance Program (LEAP), GNBank received a reduced-rate advance to support Native American Tribal lending in their community. Alongside its core mission of providing liquidity to members in support of local communities, FHLBank Topeka is also committed to supporting affordable housing and community development. In 2025, it allocated 15% of its income for grant funds that fuel these community-building efforts. “GNBank is truly honored to receive FHLBank Topeka’s Kansas Regional Housing Award. FHLBank Topeka’s housing programs have been essential in helping the rural communities across Kansas that we serve to develop much needed affordable housing as well as community services and resources,” said (L-R) Jason Smith, Manhattan Chamber of Commerce and FHLBank Topeka Affordable Housing Advisory Council; Phil Bacchus, CFO, FHLBank Topeka; Lance Liby, Chief Business Officer, FHLBank Topeka; Brett Hubka, Community Bank President, GNBank; Jeff Steiner, Regional Account Manager, FHLBank Topeka; Kylie Mergen, Community Investment Officer, Director of HCD, FHLBank Topeka; Lance White, President and CEO, Bank of the Flint Hills; and Jeff Kuzbel, President and CEO, FHLBank Topeka 26
to professional excellence, continuous learning and leadership within the banking industry. We look forward to the continued impact Stacy will make in shaping the future of CBK.” Stacy joined CBK in 2014 and works at the Derby-Buckner location. GSBC’s Annual School Session each July immerses students in three consecutive years of classroom learning paired with six real-world intersession projects. Each student’s final project addresses a strategic opportunity or challenge unique to their organization, bringing immediate value back to the communities they serve. Guaranty State Bank & Trust Co. Names New President/CEO Guaranty State Bank & Trust Co. has announced the appointment of Jason Rabe as its new President and Chief Executive Officer, effective December 2025. Rabe will succeed Doug Johnson, who is retiring after 51 years of dedicated leadership. Jason brings more than two decades of leadership experience in both the public and private sectors, including roles as CEO/General Manager of Rolling Hills Electric Cooperative and City Manager of Beloit. He also spent over 11 years in community banking and has a strong background in strategic planning and rural economic development. A Beloit resident since 2016, Jason holds degrees in Marketing Management and Public Administration. Johnson praised him as “the right leader to guide Guaranty State Bank & Trust Co. into the future,” highlighting his passion for community banking and innovation. For over a century, Guaranty State Bank & Trust Co. has proudly served Kansas communities with integrity and personalized service. Make time for your well-being. KBA 1225 An independent licensee of the Blue Cross Blue Shield Association. Your mental health deserves attention, too. • Find support for stress, burnout or anxiety. • Access virtual visits, therapy and 24/7 help. • Free and confidential for BCBSKS members. As the year winds down, take a moment to recharge. Explore bcbsks.com/mental-health-resources 27
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