OFFICIAL PUBLICATION OF KANSAS BANKERS ASSOCIATION MAY/JUNE ISSUE 3 2026 2026 BLOK Session II Convenes in Kansas City
“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.
©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 (801) 676-9722. 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 Services Director Gwen Hill, JD, VP, BCS Attorney Bobby Young, JD, VP, BCS Attorney Adeel Syed, JD, VP, BCS Attorney Sarah Lynch-Chaput, JD, VP, Legal Department Manager Meridith DeForest, AVP, Administrative Legal Assistant 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 A MESSAGE FROM PRESIDENT & CEO DOUG WAREHAM Don’t Let a Crypto Loophole Undermine Kansas Lending By Doug Wareham, President & CEO, Kansas Bankers Association 5 WASHINGTON UPDATE Banking Can Bridge the Political Divide By Rob Nichols, President & CEO, American Bankers Association 6 Inside the 2026 Women in Banking Conference Bold Thinking, Strong Leadership and Inspiring Ideas 10 2026 BLOK Class Session II Convenes in Kansas City 14 KBA & JAG-K Celebrate Five Years of Financial Literacy Partnership 16 2026 MOKAN Trust & Financial Services Conference Recap 18 LEADER’S LEDGER A Session That Delivered for Kansas Banks and Our Customers By Kelly VanZwoll, SVP-Government Relations, KBA 20 Kansas Bankers Educational Foundation Awards Scholarships 23 2026 KBA Golf Classic Recap 25 Congratulations to LeAnn Mott! 10 Years of Dedication 26 Briefly in Kansas Banking 28 In Memory 30 50-Year Club Awards 31 J.W. Wells Accepted to Join the Kansas Agriculture and Rural Leadership Program 32 Why Benefits Matter When Hiring and Keeping Good Employees By Alex Greig, President, Bankers Insurance Solutions 3
By Doug Wareham, President & CEO, Kansas Bankers Association Over two decades working directly with Kansas banks, I’ve seen how local deposits fuel community growth. Kansans count on community banks to finance farms, businesses and first homes. It’s a connection that’s easy to miss but vital to keeping communities growing. That is why a gap in the recently passed GENIUS Act deserves more attention. Congress moved quickly to establish rules for stablecoins, recognizing both the promise and the risks of digital assets. But a loophole in the law now threatens to undercut one of the most important parts of our financial system: the flow of credit to local communities. The issue is straightforward. While the new law prohibits stablecoin issuers from paying interest directly, it leaves room for affiliated platforms to offer “rewards” that function much the same way. In practice, this creates a new category of deposit-like products operating outside the safeguards that apply to banks. Companies like Coinbase and PayPal are already moving ahead with these programs, with executives acknowledging that incentives for holding stablecoins are central to their models. Congress says they have reached a deal, but the proposed language falls short. The goal has always been to address the concerns of deposits leaving the local community because of paying yield on stablecoins. This may sound like a niche technical issue, but the impact is real and it is crucial that Congress gets this right. Deposits are the foundation of bank lending. When they leave the system, lending capacity leaves with them. The Treasury Department has warned that as much as $6.6 trillion in U.S. bank deposits could be at risk if these incentives expand unchecked. Research from the Federal Reserve Bank of Kansas City shows that every dollar that leaves banks can reduce lending by around 50 cents. If the stablecoin market grows as projected, that shift could mean up to $325 billion in fewer loans to American households and businesses. For Kansas, that translates into real consequences. Community banks across our state are the primary lenders to small businesses, farmers and families. When deposits migrate to stablecoin platforms, the lending capacity on which Kansas communities depend begins to shrink. The effects would be felt most in rural communities, where community banks are often the primary source of credit. Unlike community banks, stablecoin platforms have no obligation to reinvest in the communities they serve. Kansas bankers are not asking Congress to slow crypto innovation, but we are urging federal lawmakers to act swiftly and permanently to close this loophole, ensuring there are no avenues at all for stablecoins to offer yield. This isn’t about picking winners; it’s about ensuring a level playing field, something vital to the health of Kansas communities. The loophole puts that balance at risk. A Message From President & CEO Doug Wareham Don’t Let a Crypto Loophole Undermine Kansas Lending 4
By Rob Nichols, President & CEO, American Bankers Association We all recognize the political divisions in this country and the difficulty in getting Republicans and Democrats to agree on the time of day, much less substantive policy issues. But as bankers who attended ABA’s recent Washington Summit in the nation’s capital learned, once you drill down past the headlines and the noise on cable news shows, you’ll find that not only is bipartisan cooperation still possible when it comes to banking — it’s happening. During the Summit, bankers had the opportunity to hear from lawmakers on both sides of the aisle, and what came across consistently was a commitment to ensuring that we have a strong, resilient banking sector that encourages economic growth and helps consumers and businesses thrive and prosper. As freshman Sen. Angela Alsobrooks (D-MD) — who has emerged as a bipartisan dealmaker in her first several months on the job — observed on the Summit stage, “Our varying backgrounds often color how we see things, but that doesn’t mean we can’t come together and do great things.” At ABA, we agree with this statement — in fact, it’s been the bedrock of our approach to advocacy over the years. And if you look at the current session of Congress, you’ll see several examples of bipartisan cooperation on banking issues. One great example is the SCAM Act that is currently moving through both chambers of Congress, co-sponsored by Sens. Ruben Gallego (D-AZ) and Bernie Moreno (R-OH) in the Senate and Reps. Lou Correa (D-CA) and Dan Meuser (R-PA) in the House. This bill, which has strong support from both ABA and the state associations, takes aim at the widespread problem of fraud perpetrated through social media. The bill requires companies like Meta to take reasonable steps to identify and remove fraudulent ads from their platforms since we know that’s where so many scams start. The support for this bill from both sides of the aisle is a clear indication that lawmakers recognize the need to respond to the fraud crisis facing Americans. The SCAM Act is a commonsense solution that will protect American consumers, and we’re working hard to ensure it becomes law. Please support this effort by visiting aba.com/takeaction and urging your lawmakers to co-sponsor the bill today. Members of Congress in both parties have also come together in recent days on housing reform legislation, as well as bills that would make it easier for banks to access Federal Home Loan Bank resources to help fund community development projects, increase asset thresholds to make it easier for banks to qualify for an 18-month exam cycle and crack down on credit repair scams. I say it often: The intermediation of capital, improving access to housing, as well as the protection of Americans from growing threats like fraud and scams, aren’t Democratic issues or Republican issues. They’re American issues. At ABA, our longstanding approach to advocacy has always been — and will remain — militantly bipartisan, and throughout much of our nation’s history, banking issues remained above the political fray. I don’t know if we can ever return to that, but we will continue to work with anyone in Washington — regardless of party — who appreciates the critical role America’s banks play in the country and shares our view that all Americans benefit from a clear, consistent bank policy environment that promotes economic growth and prosperity for all. Email Rob at nichols@aba.com. Washington Update Banking Can Bridge the Political Divide 5
Inside the 2026 Women in Banking Conference Bold Thinking, Strong Leadership and Inspiring Ideas The 2026 Women in Banking Conference, held at the Hilton Garden Inn in Manhattan, brought together industry leaders for a day of insight, connection and inspiration. The program opened with performance coach Dr. Cindra Kamphoff, who challenged attendees to master their mindset, deepen their self-awareness and intentionally choose empowering emotions to achieve their full potential. Attorneys Jamie Cosgrove and Sarah Lynch-Chaput of the Kansas Bankers Association followed with a timely look at fraud prevention, outlining current scam trends, liability considerations and practical steps banks can take to better protect customers. Vicki Kraai of InterAction Training explored “The Gift of Feedback,” emphasizing how thoughtful, intentional feedback builds trust and drives professional growth. A government relations update from Sarah Haymaker (U.S. Small Business Administration), Kelly VanZwoll, and Doug Wareham of KBA delivered key legislative, regulatory and SBA program insights impacting banks today. Health professionals Tammy Tipton and Mark Thompson of Blue Cross Blue Shield of Kansas addressed stress, anxiety and resilience strategies for navigating demanding roles. The day concluded with an energizing keynote by Amy Dee, who left attendees motivated to lead with intention, humor and purpose. KBA extends its gratitude to our generous sponsors for making this year’s Women in Banking Conference possible. Performance coach Dr. Cindra Kamphoff kicked off the day by challenging attendees to master their thinking, build self-awareness and choose empowering emotions, setting the tone for a confident, intentional conference experience. Attorneys Jamie Cosgrove, JD, and Sarah Lynch Chaput, JD, of the Kansas Bankers Association — introduced by Amanda Williams of Bankers Bank of Kansas, Wichita — delivered a timely and practical session on current fraud trends, liability issues and actionable steps banks can take to better protect customers from scams and financial loss. Vicki Kraai of InterAction Training shared how meaningful feedback — when delivered with intention — can strengthen trust, grow confidence and create healthier, more effective workplace cultures. 6
7
Health professionals Tammy Tipton and Mark Thompson of Blue Cross Blue Shield of Kansas explored stress triggers, the effects of anxiety, and practical strategies to support resilience and well-being in demanding roles. Author and motivational speaker Amy Dee wrapped up the conference with humor, inspiration and powerful reminders to lead with intention, purpose and heart — sending attendees home energized and inspired. Sarah Haymaker (U.S. SBA), Kelly VanZwoll, JD, and Doug Wareham of KBA provided valuable updates on SBA programs and key legislative and regulatory issues shaping the banking industry. 8
The 2026 Bank Leaders of Kansas (BLOK) class gathered in Kansas City from April 15-17 for Session II of its leadership development program, launching the week at UMB Bank. The session opened with an engaging discussion on leadership and banking in Kansas featuring Tyler Bachman, President and CEO of First Heritage Bank in Lenexa, and Scott Coup, President of Security Bank of Kansas City. Both leaders shared pivotal moments from their careers, offered insight into what they look for when hiring strong leaders and discussed strategies for positioning community banks for long-term success. The class also heard from Dr. Bruce Morgan of Professional Bank Consultants, who presented “What’s the Future for Community Banks?” and sparked thoughtful discussion about the evolving financial landscape and why there will always be a role for community banks. Day two began at the Federal Reserve Bank in Kansas City with a full slate of speakers. Executive Writer and Historian Tim Todd provided a concise history of the Federal Reserve, explaining the conditions that led to its founding, what the banking system looked like prior to its creation and how it has evolved over time. Economist Stefan Jacewitz then led an Economic Outlook focused on Kansas and the Tenth Federal Reserve District. His remarks explored key indicators shaping the regional economy, including employment trends, inflationary pressures, agricultural performance and interest rate impacts on local growth. The morning concluded with Ryan Harwell, Group Vice President, Community Banking Organizations Supervision, who delivered an interactive and detailed overview of Kansas banking conditions and current trends. Harwell also addressed regulatory expectations and emerging supervisory priorities, including interest rate risk management and the evolving competitive landscape for deposits. Kelly VanZwoll facilitated an enlightening discussion with Scott Coup, Security Bank of Kansas City, and Tyler Bachman, First Heritage Bank, Lenexa, addressing what to look for when hiring bank leaders, cybersecurity preparedness, stablecoin and crypto considerations, and approaches to growth through organic expansion and mergers and acquisitions. 2026 BLOK Class Session II Convenes in Kansas City Following lunch, participants took part in a dynamic, half-day leadership training session titled “Leadership Accountability,” facilitated by Ted Garnett of PS Culture Matters. During this executive-level training, Garnett equipped the class with practical tools for leading their institutions and communities. Through hands-on exercises, participants explored effective leadership strategies and the importance of accountability — to both their teams and themselves. To conclude Session II, the class met with the Federal Deposit Insurance Corporation, hearing from Regional Director Jessica Kaemingk and Deputy Regional Director John Jilovec. The discussion focused on the FDIC’s role in protecting depositors and current banking conditions, including dialogue around past bank failures and the possibility of increased FDIC insurance coverage. FDIC economists also presented insights on economic trends in Kansas and the Midwest, touching on housing supply and demand, the Kansas agricultural economy, and how tariffs could potentially affect the market. The session closed with an interactive “hot topic” discussion centered on stablecoin and digital currency. The BLOK class will reconvene for Session III in Wichita in July, followed by a trip to Washington, D.C., in September alongside the Kansas Bankers Association Board of Directors and Federal Affairs Committee. 10
Jim Rine, President & CEO of UMB Bank, and his team welcomed the 2026 BLOK Class to the bank. Thank you to UMB for hosting the class! Federal Reserve Economist Stefan Jacewitz shared economic trends for Kansas and the 10th District. Ryan Harwell, Group Vice President, shared that Kansas banking conditions are improving while broad regulatory relief efforts are underway. Ted Garnett of PS Culture Matters equipped participants with practical tools to lead their teams. 2026 BLOK CLASS MEMBERS • 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, 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 11
2026 BLOK SPONSORS PREMIER GOLD SILVER BRONZE Dr. Bruce Morgan shared his thoughts on the future of community banks and what their role will be in the ever-changing financial landscape. Lance Liby, T.J. Haverkamp and Melanie Block team up to play “Win the Most.” FDIC Regional Director Jessica Kaemingk and Deputy Regional Director John Jilovec discuss the role of the FDIC in protecting depositors. 12
April marked the fifth anniversary of the Kansas Bankers Association’s partnership with Jobs for America’s Graduates-Kansas (JAG-K), celebrating five years of collaboration during Financial Literacy Month. This milestone year highlighted the ongoing commitment to supporting financial education and career awareness for students across the state. Throughout the month, more than 15 financial literacy presentations were delivered in JAG-K classrooms, covering topics such as personal finance, career readiness and banking fundamentals. One of those presentations included a visit from Legacy Bank in Pratt, where bankers connected with 38 students from Pratt High School using a KBA-provided presentation, followed by a tour of the bank. To reinforce the concepts shared, students were also given a basic budgeting worksheet to help them begin applying what they learned. JAG-K currently serves students in more than 100 schools statewide through in-school programming focused on leadership development, employability skills and career readiness. KBA is proud to continue this meaningful partnership and looks forward to expanding banker involvement in the years ahead. Bankers interested in participating in Financial Literacy Month next year are encouraged to contact Bree Hull at bhull@ksbankers.com. Christopher Godwin, VP, Private Banking, Farmers Bank & Trust, Overland Park, at Westridge Middle School and Shawnee Mission West Dan Winton, Personal Banker, Mutual Savings Association, Leavenworth, at Leavenworth High School Grant High, Assistant VP, and Kayla Washee, Personal Banker, Farmers State Bank in Eudora, at Eudora High School KBA & JAG K Celebrate Five Years of Financial Literacy Partnership Rama Gegg, Marketing and Advertising Director, Commercial Bank in Parsons, at Parsons High School 14
Jeannie Mahaffey, Operations Supervisor, Community National Bank & Trust, Neodesha, at Independence High School Nancy McDougal, Bank Manager and Home Loan Officer, First State Bank & Trust, Tonganoxie, at Basehor-Linwood High School Sal Lujano, Branch President, Peoples Bank & Trust in McPherson, at Newton High School Clay Holcomb, AVP Ag/Commercial Loan Officer, and Valeria Verbena, Commercial Loan Assistant, at Legacy Bank in Pratt, with Pratt High School Pratt High School JAG-K doing a bank visit at Legacy Bank in Pratt Jason Kennedy, VP Loan Officer and Market President, Astra Bank in Hays, at Hays Middle School Hays Middle School JAG-K student doing financial literacy exercise for April’s Financial Literacy Month 15
2026 MOKAN Trust & Financial Services Conference Recap The 47th Annual MOKAN Trust & Financial Services Conference was held May 6-8, 2026, at the Overland Park Convention Center in Overland Park, Kansas, bringing together trust and financial professionals from across the region for three days of education, networking and industry insight. The conference featured a well-rounded agenda with timely discussions on tax developments, private equity trends, estate planning strategies and the growing impact of artificial intelligence in wealth management and trust services. Attendees also heard from industry experts on economic outlooks, ethics in financial services, and the evolving landscape of digital assets and retirement planning. Doug Wareham, KBA President & CEO, and Jackson Hataway, MBA President & CEO (L-R) Joe Karnes, Central National Bank, Lawrence; Susie Roberts, Bank of Labor, Overland Park; and Chris English, The Trust Company of Kansas, Wichita Chris Nekvinda, Ph.D., Director of Global Learning, Canon Financial Institute Jeffrey Meyers Jr., CFA, CFP, FMVA, Director of Private Markets, ArchBridge Family Office Scott Colbert, CFA, Executive Vice President, Chief Economist and Director of Fixed Income Management, Commerce Trust Steve Goodman, President, TrainWorks 16
In addition to the educational sessions, participants had the opportunity to connect with peers and business partners through a robust trade show, networking receptions and breakout sessions, fostering meaningful conversations and collaboration across the trust and financial services community. The conference concluded with forward-looking discussions on wealth transfer strategies and the future of trust services, leaving attendees with practical insights and ideas to apply within their institutions. 17
The 2026 Kansas State Legislative Session has concluded, and it is one we can confidently describe as both productive and impactful for Kansas banks and the customers we serve. Through strategic advocacy, strong member engagement and clear communication with policymakers, the Kansas Bankers Association helped advance meaningful legislation while successfully stopping proposals that would have harmed our industry and the broader economy. At the forefront of this year’s successes was a strong focus on protecting Kansans from fraud. As financial scams grow increasingly sophisticated, banks continue to serve as the first line of defense for consumers. This session, two key pieces of KBA-supported legislation were signed into law, equipping banks with stronger tools and providing greater protections for the public. Two of these victories directly address the rapidly evolving fraud landscape. First, the passage of Crypto ATM Oversight legislation introduces important consumer safeguards for cryptocurrency kiosks operating in Kansas. The law requires clear fraud warnings, establishes fee caps and sets daily transaction limits — critical steps to protect customers who may be targeted through crypto-related scams. Second, the enactment of the Trusted Contact and 10-Day Transaction Hold legislation gives financial institutions additional tools to detect and prevent financial exploitation. This measure allows customers to designate a “trusted contact” on their account and allows banks to temporarily pause suspicious transactions for up to 10 business days when specific safeguards are met. These commonsense protections strike the right balance between consumer autonomy and proactive fraud prevention. In addition to fraud-focused legislation, we were pleased to see the legislature enhance Kansas’s reputation as a trusted destination for estate planning. By strengthening the Kansas Trust Code through the establishment of the Kansas Community Property Trust Act and other new provisions, lawmakers provided Kansans with greater flexibility, certainty and planning opportunities. This update modernizes our trust laws and supports long-term financial planning for Kansans. Just as important as the bills that passed were the harmful proposals that did not. Thanks to early engagement and consistent advocacy, KBA successfully blocked detrimental state-level interchange fee legislation and other ESG-related measures that would have imposed undue costs or created regulatory uncertainty for banks. Preventing bad policy is often less visible, but it is no less important to the health of our industry. Beyond legislation, KBA also led an informational hearing examining the role of social media and telecommunications companies in fraud prevention. Banks invest billions of dollars annually to protect consumers, but fraud prevention cannot rest on our shoulders alone. Criminals often exploit digital platforms and communication channels outside the banking system, and it is long past time for other industries to share responsibility. This hearing marks an important step in advancing that conversation, one we will continue into the 2027 legislative session. None of these accomplishments would have been possible without the strength and engagement of KBA’s membership. Every call made, meeting held and contribution to BankPAC amplified our collective voice in Topeka. On behalf of the Government Relations Team, thank you to every Kansas banker who shared insights, built relationships with lawmakers and answered the call to advocate. Your commitment makes progress like this possible — and together, we will continue protecting consumers and strengthening Kansas banking. Leader’s Ledger A Session That Delivered for Kansas Banks and Our Customers By Kelly VanZwoll, SVP-Government Relations, KBA 18
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 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. Find a doctor: bcbsks.com/find-a-doctor Visiting a primary care provider is one of the simplest ways to stay on top of your health and costs. Regular check-ins help address concerns early and provide guidance for medications and conditions. Plus, preventive care may be as low as $0. KBA 0626 An independent licensee of the Blue Cross Blue Shield Association. Make time for your health. 19
Kansas Bankers Educational Foundation Awards Scholarships The Kansas Bankers Association (KBA) is pleased to announce the recipients of 13 scholarships awarded by the Kansas Bankers Educational Foundation (KBEF), a 501(c)(3) corporation created and operated by the KBA. Five scholarships were awarded to children of Kansas bankers, and eight scholarships were awarded to students who are currently enrolled in one of two Kansas colleges/universities that offer banking-specific degrees and/or concentrations. Two other schools — the University of Kansas and the University of Missouri-Kansas City — will award KBEF scholarship funds to students in their banking programs later this summer. Kansas Bankers Educational Foundation awarded a total of $50,000! Children of Kansas Bankers Scholarships Landen Bilby Pittsburg State University Parent: Chris Bilby, Senior Vice President — Senior Lending Officer with Home Savings Bank in Chanute Landen Bilby is a finance major with a minor in accounting at Pittsburg State University, entering his junior year with plans to pursue a career in financial advising or banking. He chose finance for the opportunity to make a meaningful impact by helping individuals achieve long-term financial stability and success. By combining financial expertise with strong relationship-building skills, Landen hopes to guide others in confidently shaping their financial futures. Caleb Hepner Ottawa University Parent: Wade Hepner, AVP-Loan Officer with The Kansas State Bank, Ottawa Caleb Hepner is a student at Ottawa University, majoring in secondary business education with a minor in business administration. He will be a junior in fall 2026 and is a member of the basketball team. Influenced by strong mentors and hands-on experience working in the Ottawa High School Bank, he developed a passion for business, finance and teaching, with a desire to combine leadership, numbers and strategy into a meaningful career. His goal is to return to Ottawa High School as a business educator, where he can teach real-world financial skills, mentor students and give back to his community. Carter Hepner Pittsburg State University Parent: Wade Hepner, AVP-Loan Officer with The Kansas State Bank, Ottawa Carter Hepner plans to earn both his bachelor’s and master’s degrees in finance at Pittsburg State University, where he will challenge himself academically and seek internship opportunities guided by advisors and mentors. As a collegiate baseball player with a lifelong passion for sports, he aspires to work in the finance division of a professional sports organization, combining his love of competition with his analytical strengths. He would bring a strong work ethic, dedication and determination to roles such as financial analyst or accountant, contributing to budgeting, forecasting and financial compliance for a team. Kaci Meseke Kansas State University Parent: Brenda Meseke, Senior Vice President with Bank of the Flint Hills in Wamego Kaci Meseke is an accounting major with a strong interest in pursuing a stable and impactful career in accounting, with the goal of becoming a certified public accountant. She aspires to use her skills to ensure accurate financial reporting, contribute to informed decision-making and eventually grow into a leadership role, with a particular interest in working in banking. 20
Bryant Wiedeman Kansas State University Parent: Brent Wiedeman, President & CEO with Farmers & Merchants Bank of Colby Bryant Wiedeman is a finance major with a minor in entrepreneurship who will be entering his third year of college in fall 2026, with plans to pursue a career in the Kansas banking industry. Inspired by his father’s role as President of Farmers & Merchants Bank in Colby, Kansas, Bryant has developed a strong appreciation for community banking and its impact on local families and businesses. The Kansas Bankers Association Scholarship will support his academic journey and help him stay focused on preparing to serve Kansas communities through responsible financial stewardship. College/University Banking Scholarships Jose Amaya Fort Hays State University — Robbins Banking Institute Jose Amaya is a senior at FHSU with a major in finance with a concentration in banking, having earned a 3.3 GPA. Jose graduated from Ashland High School and has also attended Dodge City Community College. Jose is very involved with the Robbins Banking Institute and has even attended the Bankers Conference hosted by the KBA. Jose has always had a passion for banking, which is what is leading him towards a career in banking. Carter Bohm Byron G. Thompson Center for Integrity in Finance and Economics, Benedictine College Carter Bohm is from Olathe and is a junior, pursuing degrees in management and finance. His courses at Benedictine College have strengthened his analytical, problem-solving and decision-making skills, each of which is useful and necessary for a career in banking. His career goal is to find a job in finance or banking so that he can help individuals and businesses make sound and stable financial decisions. His father spent the majority of his business career running a roofing company, being responsible for the financial management of the company and making smart decisions with the money. This is where Carter’s interests began. Carter has lived his entire life in Kansas and would like to build a career here as well. This scholarship not only helps provide financial support for his education but also encourages his commitment towards a career in banking. Emily James Fort Hays State University — Robbins Banking Institute Emily James is a junior at FHSU with a major in finance with a concentration in banking, having earned a 4.0 GPA. Emily graduated from Ellis High School and has attended Fort Hays Tech North Central, Barton Community College and Butler Community College. Emily greatly enjoys work that involves problem-solving, critical thinking and assisting people. She wishes to continue growing and developing her skill set through hands-on experience, and she believes she can accomplish this through banks or other financial institutions. 21
Ally Karst Fort Hays State University — Robbins Banking Institute Ally Karst is a junior at FHSU with a major in finance with a concentration in banking, having earned a 3.04 GPA. She graduated from Hoisington High School and attended Barton Community College. Ally has worked at a local bank for the last two years as a bank teller and a universal banker. She wishes to continue pursuing a career in banking to make a positive impact on her local community through her role. She is interning with Landmark National Bank this summer. Harrison Milligan Byron G. Thompson Center for Integrity in Finance and Economics, Benedictine College Harrison Milligan is from Lenexa and is a junior pursuing a degree in finance. He is still exploring possible career paths but is increasingly drawn to the banking sector. He is especially interested in the technical side of the industry: understanding credit, risk and the capital structures that allow Kansas businesses to grow and succeed. At the same time, he values the role banking plays in supporting local communities. Benedictine College emphasizes stewardship, service and using one’s talents for the benefit of others, and he hopes to carry those values into his career. Harrison is looking for a profession where he can contribute to the long-term development of his own community. He sincerely appreciates the KBA’s commitment to supporting the next generation of financial professionals in Kansas. Maximillian Nearmyer Byron G. Thompson Center for Integrity in Finance and Economics, Benedictine College Maximillian Nearmyer is from Olathe and is a senior majoring in finance. He currently works as a lending intern at a local community bank in Atchison, where he is gaining hands-on experience in credit analysis, loan processes and relationship management. His role has also included participating in site visits and shadowing multiple departments across the bank, giving him a well-rounded understanding of banking operations. Max hopes to continue this collegiate experiential learning activity into a career in banking. He is grateful to the Kansas Bankers Association for its generosity and support of Benedictine College students. Henri Pryor Byron G. Thompson Center for Integrity in Finance and Economics, Benedictine College Henri Pryor is from Topeka and is a senior pursuing a degree in finance, economics and international business. Henri became interested in the world of banking and finance from his uncle, who has worked in the banking system for most of his career. His time at Benedictine College has added to his love of finance, banking and business in general. His course on money and banking was one of the more difficult classes taken, but triggered an interest in the banking system by showing that it is so much more than just depositing checks and withdrawing cash. Henri is driven to achieve his goals and is beyond grateful for being recognized with this award from the Kansas Bankers Association. Nathan Ward Fort Hays State University — Robbins Banking Institute Nathan Ward is a junior at FHSU with a major in finance with a concentration in financial planning, having earned a 3.87 GPA. Nathan is also currently working on his banking certificate. Nathan graduated from Hays High and also attended Fort Hays Tech North Central. Nathan has experience in operations management from his employment with 8th Street Laundromat and FHSU as a live broadcast crew member. Nathan has had an interest in managing money since he was young and wishes to find a career in banking in the future. 22
Network Kansas partners with banks to provide gap financing to fund businesses. We bridge the difference between your loan and the entrepreneur’s needs. Our loans always take a subordinate position to a bank loan. 316.425.7596 | funding@networkkansas.com 2026 KBA Golf Classic Recap Congratulations to the 2026 KBA Golf Classic Winners! Dahx Marrs, Managing Partner, Kansas Bankers Technologies, Salina; Andrew Manley, SVP/CFO/CRA Officer, First Bank Kansas, Salina; Brad Shields; and Justin Ahlers THANK YOU TO OUR SPONSORS! Premier • Bankers’ Bank of Kansas • Bankers Insurance Solutions • Blue Cross Blue Shield of Kansas • Compliance First Banking Solutions LLC • FHLBank Topeka Platinum • Security 1st Title Gold • All American Associates • Kansas Bankers Technologies Silver • INTRUST Bank, N.A. Golf Hole/Tee Box Sponsors • ABA Insurance Services • BCC • BLOK Class of 2022 • Bounds • Central States Health & Life Co. of Omaha • Commercial Bank • First National Bank • HUB Miniter Group • Hutton • Lee & Mason Financial Services Inc. • Midwest Independent BankersBank • Network Kansas • Northland • Mortgage Investment Services Corporation • Results Technology • Steffes Auctioneers • The Bankers Bank • Willis Towers Watson General Sponsors • Data Business Equipment Inc. • Fenimore Kay Harrison • Mickelson & Company • Stinson 23
*Free Delivery: Minimum purchase required after discounts and before taxes. Orders outside our local delivery area and most furniture, oversized items, bulk items, cases of bottled water and other beverages, and special order items do not qualify. Non-qualifying orders incur a delivery charge. Delivery fees will be noted prior to purchase. Many orders can be delivered the next business day (between 8:30 a.m. and 5:00 p.m.) if placed online or via phone by 3:00 p.m. or via fax by 1:00 p.m. local time (in most locations). Other restrictions apply. See odpbusiness.com, call 888.263.3423, or ask your account manager for details. ODP and ODP Business Solutions are trademarks of ODP Business Solutions, LLC. © 2023 ODP Business Solutions, LLC. All rights reserved. Contact Luis Varela at 512-883-6532 or luis.varela@odpbusiness.com for more information. Your financial institution is committed to serving your customers, associates, and communities. At ODP Business Solutions, we’re endorsed by your association and committed to serving you. Count on us to provide a high-touch service model, reliable supply chain solutions, discounted pricing, and powerful reporting to each of your branches. • More than 2,300 discounted items frequently used by the banking industry • Free delivery on qualifying orders of $45 or more* • Customize a list of up to 75 additional items to help meet your specific objectives • Contract pricing for your associates via our Employee Purchase Program • Cost-saving tools, reporting, and bill management • Quarterly business reviews This is just a fraction of what we offer. Look to us for industry experience, insight, and support that can help you maximize performance, efficiency, and productivity across every transaction. Looking to put a true collaborator in your corner? Bank on ODP Business SolutionsTM.
Congratulations to LeAnn Mott! 10 Years of Dedication LeAnn Mott, VP – Education & Conferences, is celebrating 10 years with the KBA! LeAnn began her KBA journey on April 1, 2016, and over the past decade, has made a meaningful impact through her leadership, dedication and passion for delivering high-quality education and conferences for Kansas bankers statewide. Thank you, LeAnn, for 10 years of hard work, commitment and service. We’re incredibly grateful to have you on the KBA team! 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 25
Legacy Bank Celebrates 140 Years of Legacy Legacy Bank is celebrating 140 years of serving Kansas communities, a milestone rooted in trust, relationships and long-term commitment. Founded in 1886 as the Bank of Colwich, the institution has remained connected to its community through five generations of the Suellentrop family. Today, Legacy Bank continues to grow while honoring its history and maintaining a relationship-first approach to community banking. First National Bank: 150 Years of Trust and Tradition As First National Bank approaches its 150th anniversary, the bank is reflecting on a legacy built on trust, resilience and service. Founded in 1876, the bank weathered major challenges including the Great Depression and Dust Bowl by remaining committed to its customers and communities. Today, The First continues to carry forward its tradition of stability and dependable service. Bank of Hays Announces Leadership and Board Appointments Bank of Hays announced several leadership appointments aimed at supporting the bank’s continued growth and long-term success. Josh Dreher has been named President, while Darla Braun will serve as Executive Vice President and Chief Financial Officer. Dreher, Braun, and Jayne Clarke have also joined the bank’s Board of Directors, bringing additional experience in banking, finance and community leadership. Stockgrowers State Bank and FHLBank Topeka Award $125,000 to Help Community Recover from Wildfire Stockgrowers State Bank, Ashland, partnered with FHLBank Topeka to provide $125,000 to the Ashland Community Foundation’s Fire Relief Fund following the February wildfires in southwest Kansas. The bank contributed $50,000 and received a $75,000 matching grant through FHLBank Topeka’s Community Assistance Recovery Effort (CARE) Program. The funds will assist homeowners who lost homes and ranchers who experienced losses of livestock, fencing and hay. Because the Braun Clarke Dreher BRIEFLY in Kansas Banking 26
Ashland Community Foundation is volunteer-run, 100% of the funds will go directly to wildfire recovery efforts. The grant was presented to Stockgrowers State Bank President and CEO Kendal Kay during FHLBank Topeka’s Annual Member Conference on April 16. Congratulations to GSB’s Bank Technology Management School Graduates! Congratulations to the 2026 Bank Technology Management School students on completing this specialty program in Madison, Wisconsin! In April, information security and technology leaders gained actionable insights on connecting emerging technology to bank performance, security and compliance through expert-led lectures and small-group discussions. UMB Capital Markets Division Broadens Services, Promotes Leaders UMB Bank announced expanded leadership roles within its Capital Markets Division as the division continues to grow its service offerings. Nicholas Luchtefeld and Ilya Katsman were promoted to Executive Vice President roles, where they will focus on advancing technology, strengthening risk management and supporting expanded partnerships with community banks nationwide. Katsman Luchtefeld (L-R) Larry Nuss, Director; Terry Davenport, Director; Katie Casper, Senior Loan Officer; Ron Eldridge, Director; Susan Eldridge, Director; Randall Holt, Chairman of the Board; Marilyn Holt; Nancy Holt; Amy Holt, Vice President of Loan Administration; Bryan Holt, President; Chad Holt, EVP Union State Bank in Uniontown Celebrates 125 Years Union State Bank of Uniontown was started in 1901 by Levi Emett Holt. The bank still operates in its original location in Uniontown, along with a branch in Fort Scott, and has been owned and operated by the Holt family all 125 years. 27
DAVID MARSHALL CARR Nov. 22, 1951-March 25, 2026 David Marshall Carr, 74, of Wellington, passed away peacefully on March 25, 2026, surrounded by his family. Born Nov. 22, 1951, in Wichita, Kansas, David was the son of Francis and Sarah “Saddy” Carr. He spent nearly his entire life in Wellington, where he became widely known for his kindness, generosity, humor and deep commitment to his community. During his freshman year at the University of Kansas (KU), he met the love of his life, Colette Kocour. After graduating from KU in 1973 and earning his MBA from the University of Chicago in 1978, David and Colette returned to Wellington, where he continued the Carr family legacy in banking. David worked for 38 years at First National Bank, now Impact Bank, serving in several executive leadership roles before retiring in 2018 as Chairman of First Financial Corporation. Family was always at the center of David’s life. He and Colette shared more than 56 years together, and he took great pride in supporting his children and grandchildren in every activity and accomplishment. Beyond his family, David dedicated countless hours to serving Wellington through youth sports coaching, leadership roles with the Wellington Chamber of Commerce, volunteer work with the Boy Scouts of America and involvement with St. Anthony/St. Rose Catholic Church. A passionate University of Kansas supporter, David also volunteered extensively with the KU Alumni Association and KU Endowment. He was equally known for his love of golf, serving as a Kansas Cup team captain and PGA-certified rules official. David leaves behind a lasting legacy of leadership, service and unwavering devotion to the people and community he loved. IN MEMORY 28
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.
Kevin McClure, Lyons Federal Bank Congratulations to Kevin McClure on reaching an extraordinary milestone: 50 years of dedicated service in the banking industry. His career stands as a testament to leadership, commitment and a deep-rooted passion for serving his community. A graduate of Emporia State University, Kevin began his professional journey in his hometown of Lyons, Kansas, working briefly for a local accounting firm. On May 3, 1976, he transitioned into banking, joining Lyons Savings and Loan Association as Assistant Secretary and Loan Officer, a decision that would mark the beginning of a remarkable career. Over the next 15 years, Kevin became an integral part of the bank’s management and lending team, serving the Rice County community with dedication. His role also extended to the Ellsworth branch, where he supported customers and strengthened relationships that would last for decades. In 1991, Kevin was named President, a position he held until 2002, when he transitioned to CEO. Throughout his leadership, he successfully guided the institution through a variety of economic environments and significant industry changes. Notably, he played a key role in the bank’s transition to a federal charter in 1990 under the Office of Thrift Supervision, as well as its later transition to regulation under the Office of the Comptroller of the Currency. These milestones were accompanied by several name changes, culminating in the institution becoming Lyons Federal Bank in 2009. Kevin’s vision extended beyond traditional banking. He championed initiatives that supported affordable housing in rural communities, including tax credit housing projects that provided quality homes for local families. He was also instrumental in expanding the bank’s services through the acquisition of Kansas Central Services Insurance, which has since grown into a strong presence in the local market. Growth and expansion have been hallmarks of Kevin’s tenure. Under his leadership, the bank acquired a branch in Bushton, Kansas, in 2007 and First Federal Bank in WaKeeney in 2017. Most recently, he has played a key role in the ongoing remodel of the WaKeeney location, continuing to invest in the future of the communities the bank serves. Kevin’s longstanding commitment to residential mortgage lending led to another major milestone: the acquisition of The Mortgage Company in Salina. Beginning in 2016 and culminating in full ownership in 2024, this partnership further strengthened the bank’s ability to serve homebuyers across the region. Beyond his professional accomplishments, Kevin’s dedication to community service is equally noteworthy. Over the years, he has served in numerous civic organizations and was an active member of the Lyons City Council. His impact reaches far beyond the bank, reflecting a lifelong commitment to improving the place he calls home. A deep connection to community runs through Kevin’s family history as well. His ancestors established the iconic bell atop the Lyons water tower, a cherished symbol of the Christmas season in Rice County for generations. Kevin has proudly carried on this tradition, serving on the board and helping lead efforts to preserve and sustain this meaningful piece of local heritage. Kevin has also found great joy in working alongside family members, including his daughters, making his career not only successful but also deeply personal. For five decades, Kevin McClure has been a driving force behind the growth, stability and success of the institution, as well as a steadfast supporter of his community. His legacy is one of integrity, vision and service. Congratulations, Kevin, on this incredible 50-year milestone, and thank you for your lasting impact. 50-YEAR CLUB Awards 30
mbr-connect.comRkJQdWJsaXNoZXIy MTg3NDExNQ==