INSIDE THIS ISSUE PO Box 1765 Jefferson City, MO 65102 (573) 636-2751 | miba.net Editor: MATTHEW S. RUGE Executive Director ©2026 The Missouri Independent Bankers Association (MIBA) | MBR Connect™, formerly The newsLINK Group LLC. All rights reserved. The Show-Me 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 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 (801) 676-9722. Published for the Missouri Independent Bankers Association 4 PRESIDENT’S MESSAGE Staying Competitive While Staying Local 6 FROM THE TOP Turning Fraud on Its Head 7 FLOURISH Battling Check Fraud Together 8 2026 Directors and Officers Seminar April 28-29 10 49th Annual MIBA Convention & Expo The Best Place to Connect With Missouri Community Bankers 11 BACKGROUND ON Kyle Scherder Vice President, Community State Bank of Missouri 14 MEET YOUR MISSOURI BANKER Doreen Scarborough Vice President, Compliance & Audit, Pony Express Bank 16 Leadership Division at the Capitol April 15 18 LEGAL EAGLE SPOTLIGHT SBA, DOJ Intensify PPP Enforcement Key Risks for Borrowers and Lenders 20 MIBA Lobbying Report 21 Upcoming Events 2026 22 PORTFOLIO MANAGEMENT In With the New Introducing The Baker Group, ICBA Securities’ New Endorsed Broker-Dealer 24 News From You 27 2026 PAC Honor Roll 28 Welcome New Associate Members 29 49th Annual Golf Tournament Monday, Sept. 14, 2026 30 2026 Scholarship Winners 31 FDIC Directors’ College April 21 32 Continuous IT Compliance Turning Audit Risk Into Capital Strategy 33 36th Annual Scholarship Auction Browse and Bid for a Great Cause! 34 2026 MIBA Financial Directories Are Available 35 MIBA’s Endorsed Vendors Are Ready to Help You Go Further 36 MIBA Associate Members 38 Upcoming Webinar Schedule 40 MIBA's 49th Annual Convention & Expo September 14-16, 2026 14 30 8 6 The Show-Me Banker Magazine | 3
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