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 2025 In Review 5 FROM THE TOP Digital Banking for the Modern Age 6 FLOURISH Rising Concerns Over National Bank Trust Charters 8 WHERE ARE THEY NOW Catching Up With Stephen Kroenke 10 MEET YOUR MISSOURI BANKER April Meyers AVP Compliance & Loan Operations Officer, 1st Advantage Bank 12 LEGAL EAGLE SPOTLIGHT Participations Trust and Traps 15 MIBA Lobbying Report 16 MIBA Security Conference Sept. 24-26, 2025, Jefferson City, MO 18 2025 Women in Community Banking Conference Nov. 5-6, 2025, Hermann, MO 21 2025 PAC Honor Roll November 1, 2025 22 Making a List, Checking It Twice Year-End Is Approaching. Here Are Some Seasonal Reminders. 24 The Power of Teamwork in Fighting Fraud 26 Shrink to Grow How Streamlining Can Boost Bank Efficiency 28 MARK YOUR CALENDAR! 2026 Directors & Officers Conference April 28-29, 2026 28 MIBA 2026 Upcoming Events 29 MIBA Community Bankers For Compliance Program 30 Thank You to MIBA's 2025 Endorsed Vendors 31 MIBA’s Endorsed Vendors Are Ready to Help You Go Further 32 MIBA Associate Members 34 Upcoming Webinar Schedule 36 Leadership Division Day Out at The Blues 10 5 15 18 The Show-Me Banker Magazine | 3
RkJQdWJsaXNoZXIy MTg3NDExNQ==