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 Fueling Growth and Market Expansion 5 MIBA 48th Annual Convention & Expo 6 FLOURISH Let’s Come Together To Address Fraud 7 FROM THE TOP The Key to Driving Down Fraud Risk 8 2025 Directors & Officers Seminar The Lodge of Four Seasons 10 BACKGROUND ON Mark Jenkins President of the Bank of Billings 12 Financial Fraud Advisory Committee Invitation 13 2025 MIBA Financial Directories Are Available 14 MEET YOUR MISSOURI BANKER Derek Hoehns Loan, Compliance and BSA Officer, The Citizens-Farmers Bank 16 2025 Leadership Division Day at the Capitol Jefferson City, Missouri 18 LEGAL EAGLE SPOTLIGHT Lenders’ Rights in Single Asset Real Estate Cases 20 MIBA Lobbying Report 20 2025 Upcoming Events 21 2025 Scholarship Winners 22 Vigilante Justice? Financial Markets React Quickly to Policy Changes 24 Free Tools to Maximize Your Bank’s Marketing 26 2025 ICBA Capital Summit 28 Cybersecurity is EVERYONE’s Responsibility 29 News From You 29 35th Annual Scholarship Auction 30 2025 PAC Honor Roll April 1, 2025 31 Welcome New Associate Member 31 MIBA Endorsed Vendors 32 MIBA Associate Members 34 Upcoming Webinar Schedule 36 48th Annual Golf Tournament Monday, Sept. 8, 2025 10 8 16 22 Cover photo courtesy of VisitMo.com The Show-Me Banker Magazine | 3
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