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™. 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 Strong Management, Strong Relationships and a Strong Future 5 36th Annual Scholarship Auction Browse and Bid for a Great Cause! 6 FROM THE TOP Redefining Succession as Legacy 7 FLOURISH Service: The Heart of the Community Bank Difference 8 BACKGROUND ON A.W. Spellmeyer President and CEO of First Bankers’ Banc Securities 11 49th Annual Golf Tournament Monday, Sept. 14, 2026 12 MEET YOUR MISSOURI BANKER Jacob Schmucker Head Personal Banker Manager, Peoples Bank & Trust 14 2026 MIBA Summer Board Meeting July 13-14 16 LEGAL EAGLE SPOTLIGHT The Debanking Minefield Navigating Fair Access in 2026 19 REGISTER TODAY 49th Annual MIBA Convention & Expo The Best Place to Connect With Missouri Community Bankers 20 49th Annual MIBA Convention Preview Join Us for Another Exciting Line‑Up of Speakers and Events! 21 Thank You, Early Convention Sponsors 22 Before the Convention: The Conversations Worth Having 24 Upcoming Events 2026 25 MIBA Lobbying Report 26 Three Questions Banks Should Ask About Moving Deposits Off Balance Sheet It’s a Strategic Decision — Not a Reaction 28 SAVE THE DATE 2026 Women in Community Banking Seminar November 4-5, 2026 29 News From You 30 Mean Reversion: Bond Yield Relationships Are Looking Familiar, Finally 32 Welcome, New Associate Members 32 SAVE THE DATE 17th Annual Security Conference Sept. 30-Oct. 2, 2026 33 2026 PAC Honor Roll 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 14 30 12 7 The Show-Me Banker Magazine | 3
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