INSIDE THIS ISSUE PO Box 1765 Jefferson City, MO 65102 (573) 636-2751 | miba.net Editor: MATTHEW S. RUGE Executive Director ©2025 The Missouri Independent Bankers Association (MIBA) | The newsLINK Group LLC. All rights reserved. The Show-Me Banker is published six times per year by The newsLINK Group LLC for MIBA 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 MIBA, 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 Show-Me Banker is a collective work, and as such, some articles are submitted by authors who are independent of MIBA. While a first-print policy is encouraged, in cases where this is not possible, every effort has been made to comply with any known reprint guidelines or restrictions. Content may not be reproduced or reprinted without prior written permission. For further information, please contact the publisher at (855) 747-4003. Published for the Missouri Independent Bankers Association 4 PRESIDENT’S MESSAGE Starting the New Year Off Right 6 FLOURISH Striking Balance in 2025 7 FROM THE TOP Why Advocacy Should Be a Top Priority in 2025 8 A Background On Joe Armour CEO and President, 1st Advantage Bank 12 MIBA Upcoming Events 12 MIBA Lobbying Report 13 ICBA LIVE 14 Rep. Luetkemeyer’s Next Chapter 16 Facing Wire Transfer Fraud Losses? Steps to Ensure Your Bank Has Coverage 18 MEET YOUR MISSOURI BANKER Camille Casner Warner Bookkeeping Specialist, Bank 21 21 Community Bankers For Compliance Program 22 MIBA Ixtapa 2025 24 Yield Enhancer or Gimmick? Callable Securities Present Risk and Reward 26 Strong Earnings and Asset Quality Put U.S. Banks on Solid Ground 28 Save the Date for MIBA’s 48th Annual Convention & Expo 29 News From You 30 MIBA PAC Honor Roll 31 Welcome New Associate Member 31 MIBA Endorsed Vendors 32 MIBA Associate Members 34 Upcoming Webinar Schedule 36 MARK YOUR CALENDAR! 2025 Directors & Officers Conference 18 8 22 24 The Show-Me Banker Magazine | 3
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