OFFICIAL PUBLICATION OF KANSAS BANKERS ASSOCIATION JULY/AUGUST ISSUE 4 2026 Meet New 2026-2027 KBA Chairman Kendal Kay
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©2026 The Kansas Bankers Association (KBA) | MBR Connect™. 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 Administration Kelly VanZwoll, JD, SVP, Government Relations/Staff Attorney Eric Stofer, SVP, Chief Financial Officer Sara Blubaugh, SVP, Administration & Board Secretary Julie Taylor, VP, Computer & Information Systems Manager Tel Wittmer, VP, Government Relations Alana Seelbach, AVP, Events/Office Coordinator J.W. Wells, Ag Division Coordinator/ Government Relations Assistant Emma Thompson, Administration Intern Education & Conferences LeAnn Mott, VP, Education & Conferences Communications & Marketing Natalie Wareham, VP, Communications & Events Meridith DeForest, AVP, Communications & Marketing Rayanna Breshears, Communications & Special Projects Coordinator 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, VP, 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 Hannah Schroller-Simpson, JD, VP, Staff Attorney Bobby Young, JD, VP, BCS Attorney Adeel Syed, JD, VP, BCS Attorney Sarah Lynch-Chaput, JD, VP, Legal Department Manager 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, CFBS Assistant Manager 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 Luxury-Box-Sized Profiteering by an In-Your-Face Nonprofit Credit Union By Doug Wareham, President & CEO, Kansas Bankers Association 6 Meet New 2026-2027 KBA Chairman Kendal Kay President & CEO, Stockgrowers State Bank 12 WASHINGTON UPDATE The Legacy of American Banking By Rob Nichols, President and CEO, American Bankers Association 14 The Moore Family of Farmers State Bank of Westmoreland Receives Century of Family Banking Award 16 The Light Family of The Community Bank in Liberal Receives Century of Family Banking Award 19 FHSU Robbins Banking Institute Banking Certificate 20 50-Year Club Awards 26 Register for the 2026 YBOK Conference! 27 Briefly in Kansas Banking 28 In Memory 29 Changes in KBA’s Legal and Compliance Services Management 3
A Message From President & CEO Doug Wareham Luxury-Box-Sized Profiteering by an In-Your-Face Nonprofit Credit Union Anyone traveling to or from Kansas City International Airport has grown accustomed to seeing billboard-sized ads featuring perennial NFL superstar Patrick Mahomes promoting CommunityAmerica Credit Union as the exclusive banking and wealth management partner of the Kansas City Chiefs. More recently, MLB superstar Bobby Witt Jr. joined the campaign, highlighting CommunityAmerica as the designated mortgage lender for the Kansas City Royals. The nonprofit credit union’s support for the Chiefs and Royals also extends to luxury experiences, including naming rights for the premium-seating Crown Club section behind home plate at Kauffman Stadium and the CommunityAmerica Club Level at Arrowhead Stadium, which offers temperature-controlled concourses, upscale dining and exclusive access to VIP lounges. This high-cost marketing strategy raises a serious question: Did federal lawmakers envision strategic partnerships with highly compensated sports celebrities and multibillion-dollar sports franchises — complete with upscale dining and VIP lounges — when Congress granted nonprofit credit unions their federal income tax exemption in 1937? I sincerely doubt it. Representatives of the credit union industry continue to defend that tax-exempt status by arguing that credit unions operate as nonprofit, member-owned cooperatives rather than profit-driven corporations. But that claim raises another important question: Where is all this money coming from to pay for celebrity spokespersons and naming rights for premium sporting-event experiences, if not from funds that should be benefiting CommunityAmerica’s members? CommunityAmerica Credit Union’s leaders are not stopping with their Kansas City sports-market blitz. They recently announced a 13-year, $70 million naming-rights agreement with the University of Arkansas Razorbacks that will rename the SEC school’s Donald W. Reynolds Razorback Stadium as CommunityAmerica Razorback Stadium. That amounts to a $5 million annual investment by the Kansas City-based nonprofit and will also give the credit union rebranding rights to the premium-experience SEC Club, enjoyed by some of the wealthiest members of Razorback Nation. Once again, I question whether a nonprofit, member-owned cooperative spending millions on premium sporting-event experiences associated with an SEC team’s most affluent supporters is what Congress had in mind when it exempted credit unions from federal income taxes. Congress has a responsibility to police the use of tax benefits granted to nonprofit credit unions and any other organizations benefiting from a federally mandated tax exemption. And each of us — as individual income taxpayers and as businesses subject to federal income tax — has a duty to speak up when we witness the abuse of an exemption that increases the tax burden on those not granted this special tax treatment. Regrettably, Congress has not held an oversight hearing focused on the tax-exempt status of large, dare I say profit-minded, credit unions since 2005. That’s right: It has been 21 years — more than two decades — since Congress publicly asked tough questions of supposedly nonprofit credit unions using their tax-exempt status to pay millions to elite celebrity spokespersons and outbid prominent for-profit companies. Walmart and Tyson Foods immediately come to mind in Arkansas, where they were apparently outbid by a cooperatively owned nonprofit credit union from Kansas City. If the in-your-face-to-taxpayers approach being taken by CommunityAmerica Credit Union doesn’t trigger stronger oversight from Congress, I’m not sure what will. 4
Meet New 2026-2027 KBA Chairman Kendal Kay For more than 30 years, Kendal Kay has dedicated his career to serving the people, businesses and agricultural communities of southwest Kansas. As president and CEO of Stockgrowers State Bank in Ashland, he leads one of Kansas’ oldest community banks. Founded in 1885 and owned by the Berryman family since 1899, Stockgrowers State Bank has remained deeply rooted in serving rural Kansas for nearly 140 years. In 2003, Kay became just the sixth president in the bank’s history, continuing a legacy of community banking that spans generations. Raised in nearby Protection, Kansas, Kay credits his parents with instilling the values that continue to guide his life: work hard, treat people with respect and always give back to your community. Although he originally planned to become an accountant, an unexpected opportunity led him into community banking in 1995. More than three decades later, he continues to build relationships, support local families, businesses and agricultural producers, and champion the future of rural Kansas. Earlier this year, Kay was recognized by U.S. Representative Tracey Mann as Kansas Ag Hero of the Month, honoring his longstanding commitment to agriculture, rural communities and public service. As he begins his term as Chairman of the Kansas Bankers Association, he brings those same values of leadership, service and collaboration to banks across the state. We recently sat down with Kay to discuss his journey into banking, the lessons that have shaped his career and his vision for Kansas community banking. Tell us about your roots. How did growing up in southwest Kansas shape who you are today? I grew up in Protection, Kansas, about 15 miles east of Ashland, so I’ve always considered southwest Kansas home. Growing up, Ashland and Protection were rivals in sports, and I never imagined I’d eventually spend the rest of my life here. Looking back now, I can’t imagine calling anywhere else home. My parents (Neil and Betty Kay) were hardworking people who led by example every day. My dad worked at the local co-op, and my mom worked several jobs over the years while raising our family. I have two siblings (Jeff and Janell), and while we didn’t President & CEO, Stockgrowers State Bank 6
have much growing up, we never thought of ourselves as lacking anything because we had family, community and parents who cared deeply about doing the right thing. One lesson from my dad stayed with me my entire life. He always said, “When there’s work to do, you get to work.” At a very young age, whether I was sweeping floors at the co-op to help Dad, mowing lawns or working on our small farm, I learned early from my parents that success comes from showing up, working hard and doing all you can to take care of your customers and team to build lasting relationships. Those values have shaped everything I’ve done, both personally and professionally. How did your career in banking begin, and was becoming a banker always part of your plan? Banking wasn’t my original plan at all. I actually thought I would become an agronomist because agriculture was such a big part of my upbringing. Then, during my senior year of high school, I took accounting. My teacher saw something in me and encouraged me to pursue an accounting degree instead. I attended Northwestern Oklahoma State University, where I earned my accounting degree and met my wife, Karrie. After graduation, I accepted an entry-level position at a bank in Alva, Oklahoma. It was really just intended to give me some experience while Karrie finished her final year of college. The opportunity that changed everything came unexpectedly. I was helping my dad one day, and that just happened to be alongside Tom Fellers, who was at the time the president of Stockgrowers State Bank. During that conversation, Tom asked about my plans and encouraged me to send him my résumé. A few months later, he called and invited me to interview. I started at Stockgrowers State Bank in October 1995, working in operations and as an accountant, doing just about all things operational in the bank as well as the books for the holding company. Karrie still had one year of college remaining, so I commuted between Ashland and Alva (86 miles one way) before we eventually moved to Ashland. Looking back, I can truly see how God had a different plan for my life than the one I had mapped out for myself. Stockgrowers State Bank has deep roots in southwest Kansas. Can you share the bank’s history and its connection to the agricultural community? Stockgrowers State Bank has been serving southwest Kansas since 1885, making it one of the oldest community banks in the state. In 1899, the bank was purchased by J.W. Berryman and C.Q. Chandler. Then in 1907, J.W. Berryman purchased controlling interest, and the bank has remained connected to the Berryman family ever since. One of the things I’m most proud of is the continuity of our leadership. Since the Berryman family acquired the bank in 1899, there have been only six presidents of Stockgrowers State Bank, and I’m honored to be part of that legacy. Stockgrowers is unique in that, although it’s still owned primarily by the Berryman family, there has not been a family member involved in the bank’s day-to-day management since 1974. That level of trust is something I don’t take lightly. Today, members of the third and fourth generations of the Berryman family continue to serve on our board, providing oversight while allowing our team to manage the bank’s day-to-day operations. That partnership has been instrumental in preserving the bank’s community-focused mission for well over a century. Our roots are deeply tied to agriculture because agriculture is the backbone of southwest Kansas. While we serve many different businesses and families, nearly everything in our communities connects back to farming or ranching in some way. We understand those customers because we live and work alongside them every day. Another thing I’m especially proud of is our Employee Stock Ownership Plan. Every member of our team has ownership in the bank, which creates a different mindset. We aren’t just employees; we are owners who are invested in serving our customers and strengthening our communities. You’ve spent much of your career serving both your bank and your community. How have those two roles influenced one another? Community banking and community service really go hand in hand. Early in my career, Tom Fellers encouraged everyone at the bank to become involved in the community. He believed community bankers should give back because stronger communities ultimately create stronger banks. That philosophy stayed with me. I was elected to the Ashland City Council in 1996 and served for 12 years before spending another 13 years as mayor. Those 25 years of public service gave me opportunities to work alongside so many dedicated people who simply wanted to make Ashland a better place. Serving as mayor also reinforced something I see every day in banking — leadership isn’t about one person. It’s about bringing people together, listening, solving problems and always looking 7
toward the future. Whether you’re leading a city or a bank, your focus should always be on helping your customers and community thrive, which will ultimately benefit the organization you are leading. What are you most proud of when you think about Stockgrowers State Bank and its impact on the community? Without question, it’s our people and the difference they’ve made in the lives of our customers. I think back to the Starbuck Fire in 2017 and the wildfires we’ve experienced since then. Those were incredibly difficult times for southwest Kansas. Families lost homes, fencing, livestock and livelihoods. Our team stepped up because that’s what community banks do. We worked alongside customers, found ways to help and remained committed to supporting our customers and communities through recovery. Another defining moment came in 2022 when our own bank experienced a fire. The building suffered significant smoke damage, but I gathered our team that morning and told them we were going to be open for business by 9:00 am. I recognized that while “open for business” might not look the same as it did the day before, we would find a way to serve our customers, and our team responded to the challenge. One thing I told our team that morning has stayed with me ever since: “Our challenge is not our customers’ problem.” No matter what we’re facing internally, our responsibility is to take care of the people who trust us with their financial future. That’s what makes me most proud of Stockgrowers State Bank. Every success we’ve had has been because of our team working together towards a common goal. Community banking has never been about one individual; it’s about working together to make a positive difference in the lives of our customers and our communities. How would you describe your leadership style, and what values have guided you throughout your career? I’ve always tried to lead by example. One of the greatest lessons I learned came from Tom Fellers, who hired me at Stockgrowers State Bank. He told me years ago, “If you don’t fight for your team, nobody else will,” and my parents lived by the same philosophy. Those words have stayed with me throughout my career. Whether it’s advocating for our employees with our board or standing up for community banks through KBA, I believe leaders have a responsibility to support the people they serve. When your team knows you’ll stand beside them, they’re willing to accomplish incredible things together. What values and life lessons have stayed with you throughout your career? My parents taught me the importance of hard work, honesty, building relationships, and treating people and our country with respect. Those lessons have never changed and continue to guide every decision I make today. My Christian faith has also been a constant source of guidance. One Bible verse I often reflect on is Ephesians 4:32: “Be kind and compassionate to one another, forgiving each other, just as Christ God forgave you.” None of us lives life that perfectly or ever will, but it’s something I strive toward every day. If we approach people with kindness, compassion and grace, we’ll be better leaders, better bankers and better neighbors. The Stockgrowers State Bank Staff Team participates in the ALS Ice Bucket Challenge. 8
What has banking taught you about trust, relationships and service? One of the greatest lessons banking has taught me is that trust is earned one relationship at a time. Every opportunity I’ve had throughout my career has been the result of relationships that were built over time, with customers, coworkers, community members and fellow bankers. Customers place an incredible amount of trust in their community banker, especially in rural communities where you know one another personally. Service is really at the heart of community banking. We help families achieve their dreams by supporting local businesses and investing in the future of our communities. What does it mean to you to serve as KBA Chairman, and what opportunities do you see for Kansas banks? It truly is an honor, and I recognize that it would not be possible to serve if I didn’t have an amazing team at the bank and also a very supportive family. There are so many outstanding bankers across Kansas, and I’m humbled to have the opportunity to serve alongside them. What excites me most is continuing to build on the momentum the Kansas Bankers Association has established. We have an incredible leader and team at the KBA and bankers across the state who genuinely care about their communities. My goal is to build on that work while helping prepare the next generation of banking leaders. Community banks remain essential to the success of Kansas. Whether someone is buying their first home, starting a business, expanding a farming operation or growing their family, community banks are there every step of the way. We need to continue advocating for policies that allow us to serve our customers efficiently while reducing unnecessary regulatory burdens. I also believe we have a responsibility to mentor future bankers and encourage young professionals to become involved in their communities and in organizations like KBA. Our industry has a bright future if we’re willing to invest in the people who will lead it next. Tell us about your family and what you enjoy doing outside of work. Karrie and I met while attending Northwestern Oklahoma State University, and we’ve built our life together here in southwest Kansas. We’re blessed with four children: Sloan and her husband, Kole Konrade; Reece and his wife, Hannah; Braton and his fiancée, Emily; and our youngest, Kinley, who is currently attending Wichita State University. We’re also proud grandparents to Kora and Kayson Konrade. Family is 9
incredibly important to us, and we cherish every opportunity we have together. When we’re not working, we enjoy being outdoors. We love hiking, especially in Colorado, and Breckenridge has become one of our favorite places to visit. Karrie and I have also enjoyed running together over the years. Between us, we’ve both completed marathons and half marathons, although these days, we spend more time walking and enjoying the outdoors than training for races. I’ve never been someone who enjoys sitting still. Whether it’s working in the yard, taking a hike or spending time with family, I like staying active and making the most of every day. What advice would you give the next generation of Kansas bankers, and what legacy do you hope to leave? My advice is simple: Work hard, stay curious and never stop learning. Build relationships wherever you go because those relationships will carry you through both opportunities and challenges. The connections you make with customers, coworkers and fellow bankers will shape both your career and your life. I’d also encourage young bankers to become involved in their communities. Whether that’s serving on a local board, volunteering or participating in organizations like the Kansas Bankers Association, you’ll gain experiences and relationships that make you a better leader. When I think about the legacy I’d like to leave, I hope it’s simply that I have helped make community banking stronger for the next generation. I want to leave Kansas banks and the communities they serve better than I found them. If I’ve helped create opportunities for others, supported my team and made a positive difference in the lives of our customers and communities, then I’ll consider my career a success. That’s the perspective I hope to carry throughout my year as KBA Chairman and beyond. Bankers Kendal Kay, Kole Konrade and Brandon Grigsby visit with U.S. Congressman Tracey Mann. 10
When he’s away from the bank, Kendal enjoys being outdoors and staying active, from hiking to fishing and spending time with family. Kendal and Karrie Kay with their grandchildren. Kendal Kay with his sons, Reece and Braton Kendal Kay and former U.S. Senator Bob Dole Kendal and his wife, Karrie Kendal Kay presents a donation check from Stockgrowers State Bank to the Ashland Community Foundation’s Larry Konrade. Kendal, Karrie and their daughter, Sloan Konrade, celebrate a race finish. 11
Washington Update The Legacy of American Banking By Rob Nichols, President and CEO, American Bankers Association On July 4, cities and towns across the nation celebrated 250 years of American independence. By and large, Americans all know our founding story: how a group of 13 original colonies broke free from Great Britain, formed a union and grew over two and a half centuries into a global superpower. But perhaps a lesser-known part of that story is the critical role that banks played in securing American independence and transforming this nation into what it is today. Great Britain forbade its American colonies from operating their own banks — just one of the many restrictions that pushed the colonies to rebel. With no established banking system, the colonists found themselves at a disadvantage, and the Revolutionary War effort faltered until the Bank of North America was chartered by the Second Continental Congress in 1781. Based in Philadelphia, the bank began operations in 1782, and was an immediate success, paying strong dividends to investors, and providing a critical line of credit to the fledgling Congress. The Bank of North America was the first commercial bank in the U.S. While it refashioned itself in the 1780s, it lived on as a model for the First Bank of the United States, which was founded in 1791 by Alexander Hamilton to help stabilize a nascent U.S. financial system beleaguered by heavy war debts. Hamilton believed in the power of the private banking model for maintaining discipline; when the Bank of the United States was opened, it marked the first IPO in American history. Private investors owned 80% of the Bank of the United States, with the government owning the remaining 20%. While the Bank of the United States charter lapsed, briefly at first and then permanently in 1836, it demonstrated to young leaders like Abraham Lincoln what a diverse, well-capitalized banking system could do to grow our economy. Throughout moments that followed — the Civil War, the growth of the United States as an industrial superpower, our victory in two world wars — banking was what helped propel America forward and into new stages of growth and development. Throughout our history, Americans have relied on banks of all sizes to provide the credit needed for individuals and businesses to thrive. Our financial ecosystem is unique in terms of the diversity of institutions that operate today — from small community banks, mutuals and minority depository institutions that serve niche markets, to midsize and regional banks, to the largest global financial institutions operating on multiple continents. Our country has thrived thanks to that interconnected network of financial institutions, and it’s helped create the opportunity for Americans from sea to shining sea to participate in the economy and pursue their dreams. And that’s an American tradition worth protecting and worth celebrating. Email Rob at nichols@aba.com. 12
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The Moore Family of Farmers State Bank of Westmoreland Receives Century of Family Banking Award The Kansas Bankers Association is proud to recognize the Moore family of Farmers State Bank of Westmoreland with the Century of Family Banking Award. This prestigious honor celebrates more than 100 years of the Moore family’s dedication to community banking, local leadership, and service to the customers and communities served by Farmers State Bank. Farmers State Bank first opened its doors on April 9, 1898, and has remained an important financial institution in Westmoreland for more than a century. The Moore family’s connection to the bank began in 1926 when Chris H. Moore joined Farmers State Bank after working in the local mercantile business. Through decades of leadership, investment and commitment to the institution, the Moore family became majority shareholders and helped guide the bank through changing economic conditions while maintaining a strong focus on serving local customers. The family’s banking legacy continued in 1945 when Edward C. Moore returned to Westmoreland to work alongside his father. Over the next five decades, Edward played a significant role in strengthening the bank’s commitment to serving families, businesses and agricultural producers throughout the region. His leadership helped establish the community-focused values that continue to define the organization today. A third generation of leadership began in 1976 when James E. “Jim” Moore returned home after serving six years as a pilot in the United States Air Force. A graduate of Kansas State University and Wichita State University, Jim joined Farmers State Bank as a loan officer and quickly became involved in advancing the bank’s operations, including helping oversee the transition to computerized banking systems. He later served as President from 1995 until his retirement in 2023, leading the bank through nearly three decades of growth while preserving its commitment to relationship-based community banking. During Jim’s tenure, Farmers State Bank expanded its footprint by opening a branch in Manhattan in November 2003 and acquiring the bank in Onaga in November 2014, strengthening the bank’s ability to serve customers throughout the region. Today, the Moore family’s commitment to Farmers State Bank continues through multiple generations. Jim’s sons, Ben and Brian Moore, serve on the bank’s board of directors, along with Brianna Gaskill, granddaughter of Edward Moore and daughter of longtime director Susan Gaskill. Their continued involvement reflects the family’s enduring dedication to local ownership, sound leadership and community service. In addition to receiving the Century of Family Banking Award, Jim Moore was also recognized during the KBA CEO & Senior Management Summit with the KBA 50-Year Club Award. The honor recognizes his 50 years of service to the banking industry and his lasting contributions to both Farmers State Bank and Kansas banking. Throughout his career, Jim has championed community banking, supported local organizations and helped ensure the long-term success of the institution his family has helped lead for generations. The Moore family’s century-long stewardship of Farmers State Bank stands as a testament to the vital role that family-owned community banks play in Kansas communities. Through four generations of leadership, the family has remained dedicated to helping customers achieve their financial goals while supporting the growth and success of the communities they call home. Congratulations to the Moore family on receiving the Century of Family Banking Award and to Jim Moore on his induction into the KBA 50-Year Club. Their legacy of service, leadership and commitment to community banking continues to leave a lasting mark on Farmers State Bank, the Westmoreland community and the Kansas banking industry. 14
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The Light Family of The Community Bank in Liberal Receives Century of Family Banking Award Congratulations to the Light family from The Community Bank in Liberal for receiving the Century of Family Banking Award! This prestigious award recognizes more than 100 years of the Light family’s service and commitment to community banking in southwest Kansas. The Light family’s banking history began in 1914 with Peoples State Bank, located in the current Al Shank Insurance building on 2nd Street in Liberal, Kansas. In December 1929, the bank transitioned to a national charter and became Peoples National Bank of Liberal, eventually relocating to the corner of 3rd and Main Street. Peoples National Bank was later sold to Bank IV 16
in December 1992, which ultimately transitioned into Bank of America. The Community Bank journey began in August 1997, when Phil Light and Cliff Haltom announced plans to start a new bank in Liberal. They believed that the rise of large corporate banks would shift decision-making and accountability away from local communities and into out-of-state authority, resulting in slower service and less flexibility for customers. In October 1997, the application for The Community Bank was approved by the Kansas State Bank Commissioner. On April 3, 1998, a charter authorizing The Community Bank to open effective April 6, 1998, was officially issued. The Community Bank was also the first state-chartered bank in western Kansas in 25 years, and the first bank chartered in Liberal since Peoples State Bank in 1914. The Community Bank opened in April 1998 with $2.6 million in assets and grew to $28 million in assets by the end of its first year, surpassing all projections. Growth continued steadily over the years, reaching $57 million at five years, $75 million at 10 years, $98 million at 15 years and $159 million at 25 years. The bank’s original facility was a triple-wide building formerly used by Exchange Bank of Leawood, Kansas. The Community Bank began with 12 employees who had previously worked together at Peoples National Bank. Original directors included 17
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. Phil Light, Stan Reiss, Jim Madden, Keith Hill, Jack Call, Paul Boles and Bruce Shannon. In September 1999, Mark Schepers replaced Cliff Haltom as President and CEO. In September 2003, The Community Bank purchased the South Motor Bank facility at 303 S. Kansas Ave., a former Peoples National Bank branch, and construction on the bank’s current building was completed in 2004. The original triple-wide facility was later moved to Oakley, Kansas, where it is still being used as a bank. In December 2022, longtime President and CEO Mark Schepers retired. Mike Lyles, a former Peoples National Bank employee, was hired as CEO, and Matt Peters was promoted to President. Today, The Community Bank has more than 20 employees and continues to invest in Liberal and the surrounding communities while following the Light family vision of community banking. Congratulations to the Light family for receiving the Century of Family Banking Award and for their lasting contributions to Kansas banking and their community. 18
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50-YEAR CLUB Awards Bruce Trimble, Citizens State Bank Congratulations to Bruce Trimble on an incredible achievement: 50 years of service in Kansas banking. Bruce began his banking career while attending college, working at what is now Kaw Valley Bank (formerly First Motor Bank) in Topeka, Kansas. He officially joined The Citizens State Bank on June 1, 1974, starting as a Teller, marking the beginning of a career defined by steady leadership, growth and commitment to community banking. When Bruce first started at Citizens State Bank, assets were modest, and operations reflected a much different era of banking. As the industry evolved, Bruce advanced through the organization, serving as Cashier by the mid-1980s, later taking on the role of Board Secretary and ultimately being named President/CEO in January 1995. Under his leadership, the bank experienced significant growth in both assets and geographic reach. Bruce played an integral role in the expansion of Citizens State Bank over the decades. In 1982, the bank constructed a new main office building in Gridley, relocating to its current site on East Main Street. As community needs grew, additional branches were established in New Strawn, Hamilton, Madison, Lyndon and Burlington, followed by the acquisition of First National Bank of LeRoy, further strengthening the bank’s presence across multiple Kansas communities. Beyond physical expansion, Bruce oversaw major milestones in the bank’s history, including Citizens State Bank’s 100th anniversary in 2011, celebrated with community-focused events across all locations. Growth continued into the Flint Hills region in 2012 and later with the merger of Olpe State Bank in 2021, bringing Citizens State Bank to 10 locations and reinforcing its long-standing commitment to serving rural Kansas. Throughout his 50-year career, Bruce has witnessed — and guided — tremendous changes in banking, from manual processes to modern financial systems. His leadership, vision and dedication have had a lasting impact on Citizens State Bank and the communities it serves. Congratulations to Bruce Trimble on this remarkable achievement and for five decades of service that exemplify the very best of Kansas community banking. Charlie Chandler, INTRUST Bank Congratulations to Charles Q. “Charlie” Chandler IV on an extraordinary milestone: 50 years of service to the banking industry and the Kansas banking community. After earning a business degree from Kansas State University and an MBA in finance from Northwestern University, Charlie began his banking career in 1976 through the management training program at First National Bank in Wichita, now INTRUST Bank. From the start, he demonstrated leadership, vision and commitment to relationship banking that would define a distinguished career spanning five decades. In 1996, Charlie was elected Chairman, President and CEO of INTRUST Bank, becoming the fourth generation of the Chandler family to lead the organization. He later assumed the role of Chairman, President and CEO of INTRUST Financial Corporation in 2009. Under his leadership, INTRUST has remained one of Kansas’ premier financial institutions, known for its strong values, community focus and commitment to serving customers and employees alike. 20
Beyond the bank, Charlie has dedicated significant time and energy to civic, educational, healthcare and economic development initiatives. His leadership has helped strengthen countless organizations throughout Wichita and Kansas, reflecting the community-minded spirit that has long been a hallmark of both INTRUST Bank and the Kansas banking industry. A lifelong resident of Wichita, Charlie is widely respected for his character, humility and devotion to family and community. This year is especially meaningful as he and his wife, Marla, are also celebrating 50 years of marriage. Together, they are proud parents of four children and grandparents of eight. Throughout his 50-year career, Charlie’s leadership, service and stewardship have left a lasting impact on INTRUST Bank, the Wichita community and the broader Kansas banking industry. Congratulations to Charlie Chandler on this remarkable achievement and for five decades of service that exemplify the very best of Kansas community banking. Dean Simon, Fusion Bank Congratulations to Dean Simon on his exceptional 50-year career in banking! After graduating from Hutchinson Community Junior College in May 1975, Dean’s banking journey began in November 1975 at First National Bank in Pratt, Kansas. Starting as a Head Teller, he quickly progressed through several leadership roles, including Operations Officer, Consumer Loan Officer, and Compliance and Cashier Officer. His dedication and expertise were instrumental in the bank’s growth and success during his tenure. Dean earned his Bachelor of Science from Friends University in December 1996. In October 1997, Dean joined First National Bank of Medicine Lodge as Vice President and Loan Officer. During his tenure, he managed a wide array of lending, including agriculture, commercial, real estate and consumer loans. On April 15, 2002, Dean returned to Pratt and joined Fusion Bank in Pratt, Kansas, as Vice President and Loan Officer. With his extensive knowledge of both lending and agriculture, Dean was promoted to Senior Agriculture Lender. Dean’s influence extends beyond the walls of the bank. Each year, he helps plan the Pratt Fourth Grade Ag Days. Additionally, he has been an active member of the Pratt Kiwanis and Pratt Rotary, serving in many different capacities. Dean’s career exemplifies leadership and dedication in the banking industry. Congratulations, Dean, on this incredible milestone and thank you for your 50 years of exceptional service. Don Lamb, Bennington State Bank Congratulations to Donald (Don) Lamb on reaching 50 years in Kansas banking! Don Lamb has built a full-circle career in Kansas banking — one defined by determination, professional growth and a steadfast commitment to community. His introduction to the industry began in 1971 at Bennington State Bank, where he worked as a teller during his junior and senior years of high school. Guided by his parents, Gene and Joy Lamb — both respected Kansas bankers whose careers spanned decades — Don gained early insight into the values and work ethic that define community banking. His responsibilities extended well beyond the teller line. Don painted the bank, hauled supplies and assisted with any task that needed to be done, experiences that grounded him in humility and gave him a comprehensive understanding of the business from the ground up. Don continued his education at the University of Kansas, earning a Bachelor of Business Administration in 1976. Shortly after graduating, he began his professional career at Planters State Bank in Salina. There, he advanced steadily through key leadership roles, progressing from Loan Officer to Vice President and Head of the Consumer Loan Department. His dedication to developing his expertise led him to pursue advanced training at the Consumer Lending School in Colorado and the Commercial Lending School in Oklahoma — education that strengthened the foundation of his future leadership in the industry. 21
Don joined the National Bank of America in 1984 as a Commercial Loan Officer, rising through the ranks to serve as President of UMB/NBA until 2006. His leadership was defined by strategic expansion, deep community engagement and a steadfast commitment to people-first banking. He continued his career at Sunflower Bank as Senior Vice President of Commercial Lending, a role he held until 2013. On July 1, 2013, he returned to his roots — Bennington State Bank — where it all began, now serving as EVP in Commercial Lending. His return wasn’t just a homecoming; it was a testament to the enduring relationships and values that have guided him for half a century. With 50 years of service, Don has not only shaped the banking landscape in Kansas but also mentored generations of bankers, supported local businesses and remained a steadfast advocate for community banking. This award celebrates a legacy built on hard work, heart and hometown pride. Congratulations, Don, on achieving this milestone and thank you for 50 years of exceptional service. Jim Moore, Farmers State Bank Congratulations to Jim Moore of Farmers State Bank in Westmoreland on an extraordinary milestone: 50 years of service to Kansas banking. Jim began his banking career in 1976 after serving six years as a pilot in the United States Air Force. A graduate of Kansas State University and Wichita State University, he returned to his hometown to join the family bank, following in the footsteps of both his father and grandfather, who also served as bank presidents. Over the next five decades, Jim helped guide the bank through significant industry changes, from handwritten records and the bank’s first computer system to the modern technology-driven environment of today. His commitment to teamwork, innovation and community banking helped shape the culture and success of Farmers State Bank for generations of customers and employees. Jim was named President and CEO in 1996 and led the organization for nearly 30 years before retiring from that role at the end of 2023. Throughout his career, he remained dedicated to serving the people of Westmoreland and the surrounding communities, building lasting relationships and earning the trust of customers who became lifelong friends. He continues to serve as Chairman of the Board, providing guidance and support to the institution he has helped lead for half a century. Beyond the bank, Jim has devoted countless hours to civic and community leadership through local government, charitable organizations and his church. His dedication to both banking and community service has left a lasting impact on the region and exemplifies the values of community banking. Congratulations to Jim Moore on this remarkable achievement and for 50 years of service that represent the very best of Kansas community banking. Joe Bahr, Citizens State Bank Congratulations to Joe Bahr on an incredible milestone: more than 50 years of dedicated service to Kansas banking. Joe began his banking career in April 1969 at Peoples National Bank in Burlington, Kansas, where he served as a Loan Officer for 10 years. His commitment to community banking and agricultural lending quickly established a strong foundation for a career marked by leadership, integrity and service. Following his time at Peoples National Bank, Joe continued his banking career at First National Bank in LeRoy, serving as a Loan Officer and Owner for five years. He later worked with Hamilton Bank before joining Citizens State Bank in 1985, where he has continued to serve as a Loan Officer and Director for the past four decades. 22
Throughout his career, Joe has remained deeply connected to the communities he serves. In addition to his work at Citizens State Bank, he currently serves on the Board of Directors for Peoples State Bank of Cherryvale, continuing his long-standing involvement in Kansas community banking. Outside of banking, Joe has built a successful career as a farmer and cattleman and has long enjoyed hunting and other outdoor interests. Family has also remained an important part of his life, as he and his family are proud of their two children, four grandchildren and three great-grandchildren. Over the course of more than five decades in banking, Joe Bahr has exemplified the values of community banking through his leadership, dedication and commitment to serving rural Kansas communities. Congratulations to Joe Bahr on this remarkable achievement and for a career that reflects the very best of Kansas banking. Roxanne Zoeller, Farmers State Bank Congratulations to Roxanne “Roxie” Zoeller on celebrating her 50-year career in banking! After graduating from Westmoreland High School, Roxie attended Manhattan Technical College and then began her banking career. In June of 1976, she started working at Farmers State Bank of Westmoreland as a Teller and Proof Operator. She has also served as an Assistant Cashier and Vice President and is currently a Senior Vice President and Cashier. Roxie has spent all 50 years working at the same bank, in the same town, and has seen many changes throughout the years. Not only has the bank building and her office changed over time, but everything about banking has become automated. She used to be able to type a signature card for a new account or a certificate of deposit, but now she has to create it on a computer. She also remembers how interesting it was to add ATMs and branch locations. Her biggest challenge used to be the manual processing of checks — looking at each check, posting it and filing it away — all on a daily basis. Then she’d have to match checks with statements and mail them out every month. Today, her biggest challenge is all the rules and regulations and the amount of fraud and scams. Roxie has attended several training programs and graduated from the Schools of Banking’s Operations School. She has also served on the bank’s marketing, IT and Farmers Appreciation Night committees. She has been involved with the youth in the area, teaching a class on the fundamentals of banking and in the Book Buddy program at the local elementary school. Her favorite memory over the past 50 years was creating floats for the local parades. Each year, employees and their families would gather in the evenings and work on putting a float together. It was a fun time with some awesome floats! Congratulations to Roxie on this incredible milestone and her commitment to Farmers State Bank! Tom Davies, Security Bank of Kansas City Congratulations to Thomas (Tom) J. Davies on achieving 50 years in Kansas banking! Tom began his banking career in July 1973 at First National Bank of Olathe, where he served in roles including Messenger, Bookkeeping, Teller, Saturday Manager and eventually Vice President of Operations. In 1979, he transitioned from full-time teaching to full-time banking while he and his wife, Joyce, raised their three children. In 1984, Tom became Vice President of Operations at Corporate Woods State Bank, and in 1985, he joined Olathe State Bank. Over the next two decades, he held a range of leadership roles 23
across Olathe State Bank, The Olathe Bank and Hillcrest Bank. His positions included Vice President of Operations, President of Olathe State Bank, President of The Olathe Bank, Market President for Olathe, Chief Operating Officer and ultimately CEO of Hillcrest Bank from 2006 to 2009. During this time, he also helped pioneer in-store branch concepts and banking locations within retirement centers. In 2011, Tom joined Security Bank of Kansas City, where he has continued to make a lasting impact. His roles have included Vice President of Retail Branches, Senior Vice President of Retail Branches, Executive Vice President-Manager of the Retail Banking Network, and his current position as Executive Vice President and Chief Retail Officer. Tom’s career also reflects strong community involvement. He served as Chairman of the Olathe Chamber of Commerce, spent more than 20 years on the Olathe Health System Boards, and served on both the Overland Park and Kansas City Kansas Chamber Boards. He was named a Kansas City Business Journal Up and Comer, served as President of the Olathe Noon Optimist Club, and volunteered as treasurer for Johnson County Old Settlers. He has also been an active member of the Kansas Bankers Association and served on the Membership Committee. Congratulations to Tom on this remarkable milestone and for his five decades of leadership, dedication and service to Kansas banking. Sharon Bieker, Farmers & Merchants Bank of Colby Congratulations to Sharon Bieker on reaching an extraordinary achievement: 50 years of dedicated service in the banking industry. After graduating from high school, she started working at a local grocery store. When presented with an opportunity to apply at Farmers & Merchants Bank of Colby, Sharon responded that she “would not make it in banking and would not be hired.” At the age of 19, Sharon was hired at Farmers & Merchants Bank of Colby and worked her entire career there. Sharon started in the bookkeeping department in 1975 and then moved to the Proof Operator position until 1995, when she was moved into the loan department. Being the Proof Operator remained Sharon’s favorite job in banking. When a proof machine mechanic visited the bank, he often referred to Sharon as the best Proof Operator in the area. When Sharon started working in banking, everything was paper and completed manually. Sharon adjusted to the computer age and assisted the bank by running the bank’s in-house computer for several years. Sharon remained in the loan department until her retirement in April 2026, working as a Customer Service Representative in Loan Operations. Sharon moved to Colby when she was 6 months old and has called it home ever since. Sharon’s knowledge of the Colby community and its residents was of great assistance to the bank during her career. Sharon was a team player and consistently displayed a positive attitude, earning her the appreciation of Brent Wiedeman, President and CEO of Farmers & Merchants Bank. Throughout her career, Sharon assisted in nearly every department at the bank. Sharon has two children, Heath and Tisha. Heath works for the Kansas City Royals as the Manager of Finance, and Tisha is an Accountant for Adams Brown in Colby. Sharon also has six grandchildren and keeps herself busy following their many activities. Working for a community bank, Sharon displayed a strong commitment to serving within the Colby community. She served 26 years as the Colby Alumni Association Treasurer and continues to serve as a member of the association. Sharon has also worked with the Colby Methodist Church as the Administrative Council Secretary for 30 years. While working at Farmers & Merchants Bank, Sharon represented the bank annually by volunteering at the Thomas County Fair and the Colby Home and Garden Show. Congratulations, Sharon, on this incredible 50-year milestone, and thank you for your contribution to the banking industry and to the Colby community. 24
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