OFFICIAL PUBLICATION OF KANSAS BANKERS ASSOCIATION MARCH/APRIL ISSUE 2 2026 2026 Bank Leaders of Kansas Class Convenes for First Session
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©2026 The Kansas Bankers Association (KBA) | MBR Connect, formerly The newsLINK Group LLC. All rights reserved. The Kansas Banker is published six times per year and is the official publication for this association. The information contained in this publication is intended to provide general information for review, consideration and education. The contents do not constitute legal advice and should not be relied on as such. If you need legal advice or assistance, it is strongly recommended that you contact an attorney as to your circumstances. The statements and opinions expressed in this publication are those of the individual authors and do not necessarily represent the views of 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 Terri D. Thomas, JD, EVP — General Counsel Alex Greig, President, Bankers Insurance Solutions Brenda L. Unruh, EVP — Director of Education, Communications & Strategic Partnerships Kelly VanZwoll, JD, SVP, Government Relations/Staff Attorney Administration Eric Stofer, SVP, Chief Financial Officer Sara Blubaugh, SVP, Administration & Board Secretary Julie Taylor, VP, Computer & Information Systems Manager Alana Seelbach, AVP, Events/Office Coordinator 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 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 Sarah Lynch-Chaput, JD, VP, Legal Dept. Manager Meridith De Forest, AVP, Administrative Legal Assistant 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 2026 BLOK Academy and Harold A. Stones Government Relations Conference 10 2026 Bank Technology & Operations Conference Highlights February 9-10 — Wichita 14 2026 Robbins Banking Institute Lecture Series Highlights 16 2026 Kansas Ag Bankers Conference March 4-5 — Manhattan, KS 20 New Bankers Join Kansas State Banking Board 22 2026 Bank Leaders Of Kansas Class Convenes for First Session 26 How To Be a Hero to Your Compliance Team By Neal Reynolds, Founder and President, Bank Marketing Center 29 2026 Kansas Ag Bankers Pioneer Award Recipient Pat Fallon Executive Vice President, Bank of the Plains, Hutchinson 30 Briefly in Kansas Banking 32 50-Year Club Awards 34 2026 KBA Calendar Cover Photo Credit: Carmen Burns, spouse of Richard Burns, Lyndon State Bank, Lyndon 3
More than 50 bank leaders gathered at the Topeka Country Club on Feb. 4 for the 2026 Bank Leaders of Kansas (BLOK) Academy, launching a full morning of learning, leadership development and policy insight. KBA President & CEO Doug Wareham opened the program with a welcome, followed by remarks from Ryan Gilliland of FHLBank Topeka, a 2018 BLOK graduate and Premier sponsor representative. The morning began with a compelling fireside chat featuring Kansas Senate Vice President Tim Shallenburger. Drawing on a public service career spanning legislative, executive and statewide roles, Shallenburger reflected on how his early experiences in banking helped shape his practical approach to governing. He shared anecdotes from his 12 years in the Kansas House — including his tenure as Speaker — and spoke candidly about the evolving political landscape, from shifting ideological majorities to the growing influence of technology. Shallenburger closed by encouraging bankers to consider public office, noting that the profession’s core skills — discipline, clarity and accountability — translate naturally into effective civic leadership. Justin Sparks, President & CEO of Premier sponsor Bankers’ Bank of Kansas, introduced the second fireside chat with American Bankers Association Chief Federal Lobbyist Kirsten Sutton. Sutton provided a high-level look at the rapidly changing world of federal banking advocacy, discussing how technology has reshaped policy engagement and how ABA’s structure supports its national strategy. She highlighted the importance of the ABA/State Association Alliance and offered practical advice on communicating with elected officials. Sutton also touched on federal issues that remain top of mind for Kansas bankers, encouraging leaders to stay informed and engaged as the regulatory landscape continues to shift. Following lunch, more than 150 attendees transitioned into the Harold A. Stones Government Relations Conference, where the focus shifted squarely to state and federal policy. The Legislative Leaders Panel opened the afternoon, giving lawmakers an opportunity to outline their top priorities for the 2026 session. Topics ranged from property tax reform and fraud prevention to election-year dynamics and Kansas’s high-profile economic development efforts. Panelists discussed the sharp rise in consumer fraud targeting Kansas bank customers and emphasized the importance of addressing scams occurring through phone, text and social media. They also offered insight into potential political shifts this election year and shared practical ways for bankers to engage in the legislative process. A session on federal policy trends followed, featuring ABA’s Kirsten Sutton in a more forward-looking discussion about what Kansas institutions can expect from Washington in the year ahead. A public funds update from State Treasurer Steven Johnson and a briefing from the KBA Government Relations team rounded out the afternoon, along with recognition of the graduating 2025 BLOK Class and the introduction of the 2026 cohort. The day concluded with remarks from KBA Chair Julie Hower and the Legislative Reception, giving bankers the opportunity to connect directly with policymakers. Together, the BLOK Academy and Government Relations Conference highlighted the essential role Kansas bankers play — not only in financial leadership, but in shaping the future of the state’s policy environment. Kansas Senate Vice President Tim Shallenburger encouraged attendees to consider public service during a fireside chat with KBA President & CEO Doug Wareham. 2026 BLOK Academy and Harold A. Stones Government Relations Conference 4
Congratulations, 2025 BLOK Class! • Neal Barclay, Kansas Bankers Association, Topeka • Matyson Barnes, Farmers Bank & Trust, Overland Park • Dan Duchnowski, Equity Bank, Wichita • Chris Endicott, FHLBank Topeka, Topeka • Jared Engelbert, The First State Bank, Norton • Brandon Grigsby, Stockgrowers State Bank, Ashland • Daniel Hayden, Bankers’ Bank of Kansas, Wichita • Cody Heiman, First Bank Kansas, Salina • Gwen Hill, Kansas Bankers Association, Topeka • Beth Masterson, Legacy Bank, Wichita • Paige Meader, First National Bank of Kansas, Waverly • Joel Milford, First National Bank of Hutchinson, Hutchinson • Mazie Mobley, INTRUST Bank, N.A., Wichita • Trenton Moore, Equity Bank, Independence • Kim Parks, ESB Financial, Emporia • Tyson Reimer, Central National Bank, Junction City • Sarah Sanders, Capitol Federal Savings Bank, Topeka • Kaycie Schilling, Adams Bank & Trust, Colby • Thomas Sheik, State Bank of Bern, Bern • Derek Stephens, Midland Loan Services, a PNC Real Estate Business, Overland Park • Bryan VonFeldt, Astra Bank, Hays • Brandi Zimmer, Guaranty State Bank & Trust Co., Beloit Welcome, 2026 BLOK Class! • Matt Allred, Bankers’ Bank of Kansas, Wichita • Dustin Barker, First State Bank & Trust, Basehor • Melanie Block, First National Bank of Hutchinson, Hutchinson • Shannon Capps, Kansas Bankers Association, Topeka • Ethan Deneke, The Guaranty State Bank & Trust Co., Beloit • Andrew Dunsing, United Bank & Trust, Seneca • Chris Godwin, Farmers Bank of Kansas City, Overland Park • Aaron Graf, INTRUST Bank, N.A., Wichita • Justin Harris, Equity Bank, Wichita • T.J. Haverkamp, First Heritage Bank, Seneca • Lance Liby, FHLBank Topeka, Topeka • Dahx Marrs, Kansas Bankers Technologies LLC, Salina • Ryan Pierce, The Bankers Bank, Oklahoma City, OK • Lucas Regier, Stockgrowers State Bank, Ashland • Chrissy Rippey, The Union State Bank of Everest, Atchison • Tonia Shirk, Central National Bank, Wichita • Mark Starr, GNBank, N.A., Holton • Chanse Stephens, Legacy Bank, Wichita • Tasia Zouzas, Capitol Federal Savings Bank, Topeka THANK YOU TO OUR SPONSORS! BLOK ACADEMY PREMIER BRONZE 5
KBA Officers and GR team welcome ABA’s Kirsten Sutton to Kansas! (L-R) KBA SVPGovernment Relations Kelly VanZwoll; KBA Vice Chairman Kyle Campbell, Astra Bank, Abilene; KBA Chair Julie Hower, Farmers & Drovers Bank, Council Grove; Sutton; KBA Chair-elect Kendal Kay, Stockgrowers State Bank, Ashland; KBA Past Chairman Gene Dikeman, Bank of the Plains, Hutchinson; and KBA President & CEO Doug Wareham Justin Sparks, with Premier sponsor Bankers’ Bank of Kansas, introduced speaker Kirsten Sutton. 2025 BLOK classmates Matyson Barnes, Farmers Bank & Trust, Overland Park; Brandi Zimmer, Guaranty State Bank & Trust Co., Beloit; Mazie Mobley, INTRUST Bank, N.A., Wichita, catch up during a break. Chrissy Rippey, The Union State Bank of Everest, Atchison, poses a thoughtful question to Senator Shallenburger. Ryan Gilliland, with Premier sponsor FHLBank Topeka, noted the importance of the BLOK program to the Kansas banking industry. KBA Chairman Julie Hower, Farmers & Drovers Bank, Council Grove, welcomes attendees. KBA SVP-Government Relations Kelly VanZwoll moderates the Legislative Leaders Panel. 7
Joe Rottinghaus, Conway Bank, Wichita; Terry Neher, US Bank, Topeka; and Jeff Kuzbel, Premier sponsor FHLBank Topeka Melanie Block, First National Bank of Hutchinson, and Kansas Representative Kyler Sweely Kansas State Treasurer Steven Johnson and KBA Chairman-elect Kendal Kay, Stockgrowers State Bank, Ashland Sunee Mickle, with Premier sponsor Blue Cross Blue Shield of Kansas, explained the Pharmacy Benefit Manager legislation. Leonard Wolfe, United Bank & Trust, Marysville, thanks Kirsten Sutton, ABA, for her hard work on the ACRE Act. 8
Chris Howell, Bankers’ Bank of Kansas, Wichita; Troy Hutton, First National Bank of Hutchinson; and Rex Reynolds, Legacy Bank, Wichita, visit during a break. The 2025 BLOK Class wins BLOK Class of the Year for the second time! Kansas Senator Mike Argabright and Craig Meader, First National Bank of Kansas, Waverly Senator Brenda Dietrich and Jared Brown, Impact Bank, Wellington 9
2026 Bank Technology & Operations Conference Highlights February 9-10 — Wichita Bankers gathered February 9-10 at the Hyatt Regency Wichita for the 2026 Bank Technology & Operations Conference, which delivered two strong days of expert analysis, meaningful discussion and forward-looking strategy for community bankers across the region. Day One opened with banker-only peer groups on payments/cards and core vendors, fostering open conversation and shared problem solving. Sessions throughout the day examined major industry priorities, including Eric Cook’s look at AI’s growing role in banking, a cyber insurance fireside chat with Bankers Insurance Solutions, and Brooke Ybarra’s clear overview of the GENIUS Act and evolving stablecoin legislation. Attendees wrapped up the evening with active exhibitor networking and a reception in the Showcase. Day Two continued the momentum with regulatory perspectives and practical guidance. A multi-agency regulatory panel explored current supervisory expectations, followed by sessions on explainable AI, strengthening identity and access management, and today’s most pressing cyber and third-party risks. With strong participation from speakers, exhibitors and attendees, the conference closed on a high note — reinforcing its value as a hub for learning, connection and operational readiness. “A Cyber Insurance Fireside Chat” with Alex Greig and Cole Thompson, Bankers Insurance Solutions, who shared real-world perspectives on risk, coverage and preparedness. “Top 10 Cyber Threats & Third-Party Risk” with Brandon Gettert, Curated Cyber, highlighting today’s most pressing cyber and vendor-related risks. A timely session on “The GENIUS Act & Stablecoins,” presented by Brooke Ybarra, American Bankers Association, breaking down what new stablecoin legislation means for banks and payments. 10
A regulatory panel featuring representatives from the OCC and Federal Reserve Bank of Kansas City, as well as state regulators, moderated by Rob Schuetz, Agilaz Consulting. “How to Strengthen Your Identity & Access Management” presented by Cal Roberson, Integris, outlining critical security foundations for IAM implementation. “AI & Its Impact” led by Eric Cook, WSI, exploring how artificial intelligence is reshaping bank operations and customer engagement. “From Black Box to Business Trust: Making AI Explainable in Risk Management” with Sri Tirunellayi, Abrigo, focusing on transparency, auditability and regulatory trust in AI models. 11
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2026 Robbins Banking Institute Lecture Series Highlights The annual Robbins Banking Institute Lecture Series was held on Tuesday, Feb. 24, at the Fort Hays State University (FHSU) Memorial Union. The event, attended by banking industry leaders stretching from Atchison to Syracuse, kicked off with a breakfast mixer hosted by the FHSU Foundation. The mixer provided an excellent opportunity for Kansas bankers and FHSU leaders to network and discuss shared objectives of the Robbins Banking Institute and the Kansas banking industry. Co-Hosted By • Fort Hays State University Robbins Banking Institute • Fort Hays State Alumni • Kansas Bankers Association (L-R) Kurt Knutson, Founder & CEO of Level 3 Freedom, Founder & CEO of Strategic Options, and Founder, former Chairman & CEO of Freedom Bank, Overland Park; Leonard Wolfe, Chairman, President and CEO of United Bank & Trust, Marysville, and Kansas State Banking Board Member; Earl McVicker, Chairman, President & CEO of Central Financial Corporation, Manhattan, Chairman of Community National Bank, Manhattan, and former Chairman, President & CEO of Central Bank & Trust Co., Hutchinson. W.R. Robbins, namesake of Robbins Banking Institute This year’s Lecture Series featured three prominent banking leaders — Earl McVicker, Leonard Wolfe and Kurt Knutson — each offering a unique perspective shaped by decades of experience in banking. With nearly 150 years of combined banking and leadership experience, these gentlemen provided attendees with a behind-the-scenes look at the challenges they each overcame as they advanced in careers leading prominent financial institutions that supported businesses and individuals in their respective communities. 14
(L-R) Kurt Knutson; W.R. Robbins, Chairman of Farmers Bank & Trust, Great Bend/Overland Park; Leonard Wolfe; and Earl McVicker. (L-R) Dr. Jill Arensdorf, Provost & Vice President of Academic Affairs at FHSU, and KBA Board Chairman-Elect Kendal Kay, President & CEO of Stockgrowers State Bank, Ashland. Doug Wareham, President & CEO of the Kansas Bankers Association, moderated the Lecture Series panel discussion. Dale Winklepleck, Chairman of the Robbins Banking Institute Advisory Council, welcomed bankers, alumni, faculty and students to the Lecture Series. KBA Vice Chairman Kyle Campbell, President & CEO of Astra Bank in Abilene, visits with FHSU students and staff during the RBI Lecture Series kick-off reception. 15
(L-R) Andy Evans, Rocking E Feeders; Tyler Woolfolk, Woolfolk Ranch LLC; moderator Brad Zimmerman, Farmers Bank & Trust (L-R) Co-moderator J.W. Wells, Kansas Bankers Association; Dan Fischer, USDA Rural Development; Brad Zaun, U.S. Small Business Administration; co-moderator Greg Saville, First National Bank & Trust (L-R) J.W. Wells, Kansas Bankers Association; Julie Voelker, Solutions North Bank; Brett Wicker, Central National Bank; Jill Zimmerman, Kansas Agriculture and Rural Leadership Program; Stephen Hendrickson, Citizens State Bank of Marysville; Brad Zimmerman, Farmers Bank & Trust; Doug Wareham, Kansas Bankers Association 2026 KANSAS AG BANKERS CONFERENCE March 4-5 — Manhattan, KS The 2026 Kansas Ag Bankers Conference brought over 300 bankers, sponsors and special guests together in Manhattan, Kansas, to explore the current landscape of agricultural banking, the ag economy and other areas that impact agriculture and rural Kansas. Dr. David Kohl, Virginia Tech, kicked off the conference by speaking on the global economy and financial tools ag lenders can utilize. During lunch, Doug Wareham, KBA President & CEO, and Ed Elfmann, ABA SVP — Agricultural & Rural Banking Policy, shared updates and progress on the Farm Bill and the ACRE Act implementation. In the breakout sessions, the Small Feedyard Marketing & Finance Needs panel, featuring Andy Evans and Tyler Woolfolk, addressed navigating cattle market volatility and the unique challenges of operating smaller to mid-size feedyards. Additionally, Brad Zaun with the U.S. Small Business Administration and Dan Fischer with USDA Rural Development shared opportunities for banks to utilize business loans and grants to strengthen rural Kansas. Following the breakout sessions, KBA Legal Services Director Jamie Cosgrove and First Assistant Attorney General Nathaniel (Jake) Castillo emphasized the risk of financial fraud in the banking industry and spoke on strategies to mitigate it in banks. Keynote speaker Zach Arend challenged attendees to saddle up and enter the arena to face their challenges and make a lasting impact on their life and work. Kicking off Day 2 of the conference, Randy Blach with CattleFax explained the supply and demand in protein markets and what bankers need to factor in when planning for the future. Justin Trompke with Ag West Commodities followed and went in-depth on the grain markets and highlighted future market opportunities for producers to capitalize on. Closing out the conference, Eric Snodgrass with Nutrien Ag Solutions highlighted the weather patterns ag producers saw last year and shared his prediction for what’s ahead. Jamie Cosgrove, Kansas Bankers Association, and Nathaniel Castillo, Office of Attorney General Kris Kobach 16
2026-2027 KBA Kansas Ag Bankers Division Board of Directors • President — Stephen Hendrickson, Citizens State Bank of Marysville, Hanover • Vice-President — Julie Voelker, Solutions North Bank, Coffeyville • Secretary/Treasurer — Greg Saville, First National Bank & Trust, Phillipsburg • Past President — Brett Wicker, Central National Bank, Gardner • Tricia Fowler, Dream First Bank, Arlington • Steve Howland, Equity Bank, Wichita • Andy Stegman, GNBank, N.A., Offerle • Kaycie Schilling, Adams Bank & Trust, Colby • Brandon Grigsby, Stockgrowers State Bank, Ashland • Aaron Zadina, Centera Bank, Greensburg • James Hagedorn, United Bank & Trust, Seneca • Kyle Murrow, Denison State Bank, Holton • Steve White, Farmers & Drovers Bank, Council Grove We look forward to seeing you at next year’s conference, March 3-4, 2027! Doug Wareham, Kansas Bankers Association, and Ed Elfmann, American Bankers Association Randy Blach, CattleFax Keynote speaker Zach Arend Eric Snodgrass, Nutrien Ag Solutions Dr. David Kohl, Virginia Tech Justin Trompke, AgWest Commodities 17
For the first time, the KBA-Kansas Ag Bankers Division organized a raffle fundraiser to support the ongoing efforts of the Kansas Bankers Educational Foundation. The Division sought to enhance KBEF’s mission in implementing a workforce development strategy for the next generation of Kansas bankers, providing scholarships, and promoting financial literacy. Thank you to all who bought a ticket, donated an item and helped the Division support the Foundation! Be sure to join the Kansas Ag Bankers Raffle at next year’s conference! $8,980 Raised to Support the Kansas Bankers Educational Foundation! A Very Special Thank You to our Donors: • Cutting Board: Chuck and Julie Voelker, Sycamore, KS • Flint Oaks Hunting Cabin Experience: Emprise Bank • YETI Cooler: Country Banker Systems • Processed Half Beef: Rocking E Feeders & Woolfolk Ranch LLC • Beretta A300: Central National Bank 18
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The Office of the State Bank Commissioner (OSBC) has welcomed four Kansas bankers to the State Banking Board following their recent appointments by Governor Laura Kelly and confirmation by the Kansas Senate. The Kansas Bankers Association congratulates each of these leaders on their selection and thanks them for their willingness to serve the state’s banking industry. The new members and their institutions are: New Bankers Join Kansas State Banking Board • Tonya Barta, President & CEO, Farmers State Bank, Holton • Jared Brown, Chairman & CEO, Impact Bank, Wellington • Darren Gragg, Chairman, President/CEO, Bennington State Bank, Salina • Jacinda Zerr, Market President, Farmers State Bank & Trust, Overland Park public representatives — ensures statewide geographic and political balance as required by statute. Its responsibilities include promoting safe and sound banking practices, supporting financial stability, protecting consumers and upholding public confidence in Kansas’ chartered banks and trust institutions. Commissioner David Herndon welcomed the new members at the board’s Feb. 23 meeting, noting, “Agreeing to become a member of the state banking board demonstrates the professionalism and recognition each banker has attained in their careers. I’m delighted to have the opportunity to work with each and look forward to each sharing their knowledge, banking wisdom and their willingness to offer their contributions in making the Office of the State Bank Commissioner the premier bank regulator it has become.” In addition to welcoming new members, the board elected Taylor Hight, President & CEO, American Bank, Baxter Springs, to serve as Board Chairman for the coming year. KBA extends its congratulations to Chairman Hight as well. The Kansas Bankers Association applauds all newly appointed and elected leaders. Their expertise and dedication strengthen the state chartered banking system and benefit communities across Kansas. “We congratulate Taylor and the new board members on these well-deserved appointments,” said Doug Wareham, KBA President & CEO. “Their deep understanding of Kansas banking and passion for serving communities make them exceptional choices to lead the State Banking Board. Kansas banks will be well-represented under this leadership.” We’d also like to extend our appreciation to Irv Mitchell, President & CEO, Wilson State Bank, Wilson; Ruth Stevenson, President & COO, Peoples Bank, Lawrence; Leonard Wolfe, President & Chairman, United Bank & Trust, Marysville; and Patrick Walden, President & CEO, Garden Plain State Bank, Wichita, who have completed their terms on the board. Their steady leadership, industry experience and thoughtful guidance have been instrumental in supporting the board’s work over the past few years. The State Banking Board plays a vital role in maintaining a strong, safe and competitive state-chartered banking system. The nine-member board — comprised of six bankers and three 20
KBA launched the Bank Leaders of Kansas (BLOK) program in 2006 with a vision to develop Kansas bankers, expose them to a wide range of topics that influence the industry and build a collaborative networking community. The 20th BLOK class convened for its first session in Topeka at the KBA Office on Feb. 3, 2026. This year’s class is comprised of: • Matt Allred, Vice President-Commercial Banking Officer, Bankers’ Bank of Kansas, Wichita • Dustin Barker, VP/Trust Officer, First State Bank & Trust, Basehor • Melanie Block, AVP, Business Solutions Officer, First National Bank of Hutchinson, Hutchinson • Shannon Capps, VP-Compliance Operations Specialist, Kansas Bankers Association, Topeka • Ethan Deneke, AVP-Loans, Compliance, Credit Analyst, The Guaranty State Bank & Trust Co., Beloit • Andrew Dunsing, Assistant Vice President, Loan Officer, United Bank & Trust, Seneca • Chris Godwin, VP, Private Banking, Farmers Bank of Kansas City, Overland Park • Aaron Graf, Commercial Relationship Manager, INTRUST Bank, N.A., Wichita • Justin Harris, Regional Chief Executive Officer, Equity Bank, Wichita • T.J. Haverkamp, Executive Vice President, IT Director, First Heritage Bank, Seneca • Lance Liby, SVP, Chief Business Officer, FHLBank Topeka, Topeka • Dahx Marrs, Managing Partner, Kansas Bankers Technologies, LLC, Salina • Ryan Pierce, SVP, Correspondent Banking Officer, The Bankers Bank, Oklahoma City, OK • Lucas Regier, IT Officer, Stockgrowers State Bank, Ashland • Chrissy Rippey, VP-Compliance, The Union State Bank of Everest, Atchison • Tonia Shirk, Regional Retail Manager, Central National Bank, Wichita • Mark Starr, Vice President-Loan Officer, GNBank, N.A., Holton • Chanse Stephens, AVP, Information Security, Legacy Bank, Wichita • Tasia Zouzas, First Vice President-Audit Services Director, Capitol Federal Savings Bank, Topeka After an overview of the program by KBA’s SVP-Government Relations Kelly VanZwoll, the class got to know each other during an icebreaker 2026 Bank Leaders Of Kansas Class Convenes for First Session exercise where many laughs and personal stories were shared. Next, a complete summary of the history, structure, and governance of the KBA was outlined, followed by staff spotlights that allowed senior management to share their roles, areas of expertise, and how each department at the KBA can assist them and their banks. The remainder of the afternoon focused on state advocacy, brought to life with an interactive presentation on the legislative process led by KBA President & CEO Doug Wareham and VanZwoll. Day 2 of the session saw the BLOK Class participating in the BLOK Academy and Harold A. Stones Government Relations Conference, followed by a legislative reception at the Topeka Country Club. The third day of Session 1 began with the class networking with KBA board members and sitting in on the first hour of the board meeting. The class then moved to downtown Topeka to hear from Kansas Bank Commissioner David Herndon and Deputy Bank Commissioner Tim Kemp about the Office of the State Bank Commissioner (OSBC) and its role as the state financial institutions regulator. The class was then treated to a legislative panel held in a statehouse committee room, featuring Senate Vice President Tim Shallenburger and Senate Majority Leader Chase Blasi. Following the panel, the group had the opportunity to visit with House Speaker Dan Hawkins on the House floor. The 2026 BLOK Class will meet for its second session in Kansas City on April 15-17. 22
2026 BLOK SPONSORS PREMIER Bankers’ Bank of Kansas; Bankers Insurance Solutions; Blue Cross Blue Shield of Kansas; FHLBank Topeka; GOLD Schools of Banking SILVER INTRUST Bank, N.A. BRONZE Professional Bank Consultants, Security 1st Title, UMB Bank Members of the 2026 BLOK Class get to know one another. Lucas Regier (right, Stockgrowers State Bank, Ashland) introduces Chris Godwin (left, Farmers Bank of Kansas City, Overland Park) to the rest of the BLOK Class. The class had a fast-paced, interactive session that showed how complex the process is for a bill to become law at the state level. Bank Commissioner David Herndon and Deputy Bank Commissioner Tim Kemp provided an overview of their department. Senate Majority Leader Chase Blasi shared what it’s like to balance personal and private-sector responsibilities with his role as a state lawmaker. Speaker of the House Dan Hawkins welcomed the BLOK Class to the Kansas House of Representatives. A Capitol tour guide provided a history of Kansas’ beautiful statehouse. The 2026 BLOK Class 23
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In this increasingly complex and unpredictable regulatory environment, community bankers need a solution that can assist in creating, updating, and sharing marketing content more e ciently. CREATING COMPLIANT CONTENT WITH EASE. With Bank Marketing Center’s web-based platform, users create content accessing our expansive library of professionally designed, banking-specific layouts; from social posts and direct mail, to signage and more. Our compliance function then takes over, facilitating the file’s routing, review, approval, and storage. Over 300 banks are currently utilizing our platform, saving valuable time and money. To learn more, visit BankMarketingCenter.com and register for a free demo. Our web-based platform SCHEDULE A WEBINAR The compliance function includes two critical applications: Everything you need to market your bank. Two key features Our Upload for Approval tool automates the routing of assets from any department through your designated approval process, whether the source is internal or external. 1 2 As content is updated, our Revision Tracking tool allows the user to document details such as what changes were made, when, and who made them. When audit time comes, everything is in one place, with approvals, dates, and time stamps.
How To Be a Hero to Your Compliance Team By Neal Reynolds, Founder and President, Bank Marketing Center For community banks, today’s regulatory landscape is increasingly complex, unpredictable and challenging to navigate, not to mention risky. As regulatory agency expectations continue to evolve and banks generate mountains of content on a daily basis, a robust solution for both content creation and management has become an increasingly essential component of banking operations. Bank Marketing Center’s (BMC) web-based platform is designed to address this growing challenge by arming institutions with the ability to create, centralize, organize and govern their wide range of assets — from marketing materials, such as print ads, direct mail and social media posts, to HR department documents, such as hiring and onboarding, tax forms and background checks. With it, you can be a hero to your compliance team. Compliant Content Creation At its core, the BMC solution offers both control and efficiency. The platform makes content creation for community banks not just easier, but significantly more efficient and scalable. Instead of starting from scratch or relying on outside agencies, users have access to an expansive library of professionally-designed templates built specifically for banking; from social media posts and digital ads to direct mail, signage and more. The platform also integrates AI-powered content creation, allowing the user to generate headlines, body copy and campaign ideas in seconds. The system then routes the created asset through the bank’s marketing and compliance approval process automatically, providing access only to the user’s designated stakeholders. Multiple approvers can be assigned so that the process will continue moving forward even if one individual is unavailable. As employees generate and manage hundreds of business-critical files, content can easily become fragmented, outdated or misused. The result? Compliance risks and operational inefficiencies that can lead to reputational damage and burdensome financial penalties. The solution? Bank Marketing Center’s compliance function, which includes two critical applications. The Upload for Approval Tool Important materials will often originate outside internal departments, and routing these items for approval can be cumbersome and unreliable. The Upload for Approval tool allows for externally created files to be easily integrated into the bank’s structured approval workflow. A user can upload a file, assign key details such as a description of the asset and then assign it to designated approvers. 26
Blue Cross and Blue Shield of Kansas is an independent licensee of the Blue Cross Blue Shield Association. KBA 0426 BlueAccess® Find everything you need to understand and manage your coverage, on your schedule. bcbsks.com/blueaccess Managing health benefits shouldn’t be complicated. BlueAccess gives you convenient, 24/7 access to the tools and information you need all in one place. With BlueAccess, you can: • Find in-network doctors nationwide • Access digital ID cards anytime • View claims and EOBs online • Track out-of-pocket costs for your family Your benefits – simplified. Once submitted, the asset progresses through the approval chain, and the user can track its status in real time. The system also provides visibility into who has approved the file and who has yet to review it. This structured, auditable workflow ensures that all materials are properly vetted before distribution, significantly reducing compliance risk. The Revision Tracking Tool Complementing this capability is the Revision Tracking tool, which provides a comprehensive audit trail for all asset updates. After all, marketing materials are frequently updated to reflect new rates, regulatory language or product features. Maintaining a clear history of those changes is critical, especially during audits. The Revision Tracking tool updates an existing asset by uploading a new version and documenting the reason for the change. As content is updated, the tool allows the user to document details such as what changes were made, when they were made and who made them. When regulators come in for an audit, everything is in one place, with dates and time stamps showing approvals. Two Powerful, Essential Content Management Tools Together, these features elevate Bank Marketing Center’s web-based solution to a powerful content creation and compliance platform. By enabling structured approvals for all content and maintaining a detailed record of revisions, the system can help you mitigate risk, improve efficiency, maintain control in an increasingly complex compliance environment … and be your compliance team’s hero. Clients of Bankers Consulting Services LLC have the added benefit of being able to have an attorney review marketing materials for compliance with state and federal laws as part of the Bank Marketing Center’s approval process. For more information, contact Jamie Cosgrove at jcosgrove@ksbankers.com. Neal Reynolds is founder and president of Bank Marketing Center, the leading subscription-based, automated marketing platform designed especially for community banks. BMC is presently partnering with over 300 financial institutions and automating the essential marketing functions they rely upon: content creation, social media scheduling and monitoring, digital asset management, compliance routing and more. To learn more, visit bankmarketingcenter.com or feel free to contact Neal directly at (678) 528-6688 or nreynolds@bankmarketingcenter.com. 27
OUTSOURCED COMPLIANCE CONSULTING The CFBS Outsourced Compliance team includes Certified Regulatory Compliance Managers (CRCM), Certified Community Bank Compliance Officers (CCBCO), and individuals with extensive compliance experience. We specialize in providing regulatory compliance expertise and management to our member banks. To provide further value, we have direct access to Kansas Bankers Association’s attorneys and the CFBS audit team. The resources available by utilizing CFBS Outsourced Compliance services are second to none. Because compliance is not a one-size-fits-all approach, CFBS Outsourced Compliance can tailor solutions to meet your bank’s needs. About GET IN TOUCH US Available to KBA Member Banks What WE DO! Compliance Management Administration Monitoring and Reporting of Ever-changing Regulatory Requirements Assistance with Policy and Procedure Development and Review Board and Employee Training Compliance Committee Coordination Compliance Risk Management, Assessment, Reporting, and Monitoring Temporary and Long-Term Compliance Service Arrangements Available HMDA Scrub OUTSOURCED COMPLIANCE SERVICES Providing expert and cost-effective compliance management services to KBA member banks. Contact us at cfbs@ksbankers.com for a proposal today! (785) 232-3444 | 610 S.W. Corporate View, Topeka, KS 66615 | ksbankers.com/audit-compliance-operations/ Compliance First Banking Solutions (CFBS) has a full-scope solution for regulatory compliance management services available to KBA member banks. 28
The Kansas Bankers Association (KBA) and its Kansas Ag Bankers Division are proud to recognize Patrick S. “Pat” Fallon, Executive Vice President of Bank of the Plains, as the recipient of the 2026 Kansas Ag Bankers Pioneer Award. The award recognizes agricultural bankers who exemplify professionalism, leadership and long-standing commitment to Kansas agriculture and the banking industry. With a career spanning more than four decades, Fallon has left a lasting impact on agricultural lending across Kansas. He is widely respected for his mentorship of emerging lenders, his development of innovative credit administration and loan participation programs, and his leadership roles within multiple financial institutions across his career. Fallon joined the Bank of the Plains team in June 2018. He successfully launched and grew the Hutchinson de novo branch, building a loan portfolio exceeding $93 million and developing a talented lending team through hands-on mentorship. Pat enhanced branch performance by improving efficiency, shaping customer relationships, and implementing comprehensive credit and profitability analysis tools. His leadership extended across the organization through his service on key committees, including Executive Loan, Audit and Compliance, ALCO, Special Assets and IT Steering. Beginning his banking career as an intern at Hays State Bank in 1983, Pat advanced his career managing agriculture, commercial, consumer and residential real estate loan portfolios at the Humboldt National Bank between 1986 and 1989. Later, he joined Central Bank and Trust Company, and before leaving in 2018, he served as the Hutchinson Market President and President of Community Finance of Kansas, Inc., a subsidiary of Central Bank and Trust. Fallon’s service extends deeply into the community and the profession. Fallon has been an active leader in community organizations, including the Hutchinson Reno County Chamber of Commerce, the Reno County Economic Development Advisory Committee, the KSU Farm Management Association and numerous nonprofit boards. Professionally, he has served on the KBA Board of Directors and the KBA Bank Management Committee. The Kansas Bankers Association congratulates Pat Fallon on this well-deserved recognition for his outstanding contributions to community banking and agricultural finance! 2026 Kansas Ag Bankers Pioneer Award Recipient Pat Fallon Executive Vice President, Bank of the Plains, Hutchinson 29
Citizens Bank of Kansas Elects Ben Drouhard President Citizens Bank of Kansas is pleased to announce that Ben Drouhard has been elected President of the bank at its annual meeting. Ben joined CBK in 2006 and most recently served as Executive Vice President and Senior Real Estate Officer. His tenure with CBK caps a 30-year banking career. “Ben has been a key player in the success of CBK for 20 years,” said Jane Deterding, Chairman of the Board of Citizens Bank of Kansas. “We are excited to have Ben in this new role, leading the bank as it grows.” Citizens Bank of Kansas has total assets of over $537 million. Ben graduated from Wichita State University with his bachelor’s and master’s degrees and is a graduate of the Graduate Schools of Banking. Ben and his wife, Laura, live in Wichita’s College Hill neighborhood. They have three adult children and two grandchildren. Ben will work out of the Derby-Buckner branch. Kyle Russell, the immediate past President of CBK, will remain with the bank and assume the new role of Executive Vice President/Senior Advisor. BRIEFLY in Kansas Banking Citizens Bank of Kansas Welcomes New Board Member John Kuszmaul John Kuszmaul was elected by CBK shareholders to serve on the Board of Directors. He and his wife, Cynthia, own and operate a diverse farming operation in Kingman County, Kansas. They were named the Farm Family of the Year by the Kansas Farm Bureau in 2016. “John is a lifetime resident of Kingman County and a respected member of the farming community. We are delighted he accepted our invitation to join the Board of Directors. The Bank will be stronger with his agricultural expertise on the board,” Deterding said. John and Cynthia live on their farm in Kingman County. They have two adult children. 30
22318 Midland Drive • Shawnee, KS 66226 • NMLS #194708 YEARS 26 Local Partners, Shared Values, Stronger Communities We’re not a national giant – we’re your local wholesale lending partner. Together, we bring your customers the best of both worlds: • Fannie Mae Seller/Servicer • Government programs – FHA, VA, and USDA-GRH • Local expertise – We live and work in your community • Trusted partnership – Backed by 26 years of service • More options – Flexible lending without losing the personal touch Andrew Holtgraves Senior Vice President 913-558-2555 andrew@mischomeloans.com PARTNER WITH US Lending Services Operational Services Audit Services MEMBER FDIC BETTER TOOLS SERVICE BANKING Innovation & Technology: forward-thinking tech culture & strategic investments. User-Friendly Systems: Intuitive systems & easy-to-use services save customers time, effort, & stress. Superior Service: We go above & beyond—our experts will even visit onsite during service transitions. Operational Efficiency: Streamlined operations allow high-value services at highly competitive prices. Learn more: mibanc.com 800-347-4MIB Tim Burns 402-480-0075 Travis Anderson 402-440-2448 Chris Bryan 816-500-6253 * Audit Services are offered thru MIB Banc Services, LLC, a subsidiary of our holding company. 31
Roy J. Soukup, Bank of Hays, Hays Congratulations to Roy J. Soukup on reaching 50 years in Kansas banking! Roy began his banking career in April 1972 at Hanston State Bank in Hanston, Kansas, where he worked as both a teller and an insurance agent, gaining early, hands-on experience in banking and insurance. In 1974, Roy continued to build his career at Farmers State Bank of Ingalls, serving as a loan officer and insurance agent. In 1976, he returned to Hanston State Bank, where he resumed his role as a loan officer. His leadership and dedication to the bank led to his appointment to the Board of Directors in January 1979, followed by his promotion to Vice President. On Jan. 1, 1985, Roy was named President of Hanston State Bank. In 2004, the bank was purchased by a group of investors, and a branch was opened in Hays, Kansas. The charter was moved from Hanston to Hays in 2009. Roy remained as President until his retirement in 2014. Throughout his nearly three decades as president, Roy guided the bank through significant industry changes while maintaining a strong commitment to customer service and community banking. Following his retirement, Roy has remained actively involved as a member of the bank’s Board of Directors, continuing to contribute his experience and leadership to the institution. Roy’s career reflects a lifetime of dedication, service and leadership within the Kansas banking industry. Congratulations again, Roy, on this remarkable milestone in your storied banking career! 50-YEAR CLUB Awards 32
Doris Henninger, Equity Bank, Topeka Congratulations to Doris Henninger on her 50-year banking career. Doris began her banking career in May 1971 as a Proof Operator and Teller at Topeka Savings and Loan in Topeka, Kansas. In August 1971, Doris transferred to the Gage office of Topeka Savings and Loan as the Assistant Manager and then became Branch Manager. In October 1971, she transferred back to the main office as a Teller. In 1973, a new Topeka Savings and Loan branch (a real train caboose, including a wood stove!) opened at 29th & California, and Doris was transferred to the new location as the Assistant Vice President Branch Manager. In 1987, Topeka Bank & Trust acquired Topeka Savings and Loan during the S&L crisis. Doris continued in her role at the caboose as AVP Branch Manager. Topeka Bank & Trust and Columbian Bank then merged as both banks were owned by the McCaffree family. In 1995, Doris transferred back to the Columbian Bank 701 Kansas location as AVP Customer Service Manager. Columbian Bank was acquired by Citizens Bank in August 2008. In 2011, Citizens Bank was acquired by Equity Bank. Doris “retired” in 2018 and was coaxed to rejoin the bank “part-time” in March 2022. Doris has customers who have banked with her for her entire 50-year career. She is passionate about helping the customers, and she says they keep her coming in each day and keep her mind young. Doris has seen many changes in the banking world, from the manual proof entry of teller work and manual ledgers to the everyday use of computers and digitized documents. 33
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