Howard M. Headlee President & CEO howard@utah.bank Sara Matute Vice President sara@utah.bank Beth Parker Director of Education beth@utah.bank UBA STAFF ©2025 Utah Bankers Association (UBA) | The newsLINK Group LLC. All rights reserved. Utah Banker is published four times per year by The newsLINK Group LLC for UBA 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 UBA, 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. Utah Banker is a collective work, and as such, some articles are submitted by authors who are independent of UBA. 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. Brian Comstock Director of Communications & Marketing brian@utah.bank Amber Meek Administrative Assistant & Bookkeeper amber@utah.bank RSM US LLP 2755 E. Cottonwood Pkwy., Ste. 100 Salt Lake City, UT 84121 Jim Cronauer (385) 342-9341 jim.cronauer@rsmus.com rsmus.com Scalley Reading Bates Hansen & Rasmussen 15 W. South Temple, Ste. 600 Salt Lake City, UT 84101 Darwin Bingham (801) 531-7870 dbingham@scalleyreading.net www.scalleyreading.com Select Bankcard 170 S. Interstate Plz., Ste. 200 Lehi, UT 84043 Pete Mudrow (801) 791-1938 pmudrow@selectbankcard.com www.selectbankcard.com Shred-It 205 Winchester Dr. East Stroudsburg, PA 18301 Kevin Kroboth (917) 528-7940 kevin.kroboth@stericycle.com www.shredit.com/en-us/national-accounts/ state-bankers-association-program Simpson & Company CPAs 5353 S. 960 E., Ste. 102 Salt Lake City, UT 84117 Kenneth Simpson (801) 484-5206 krsimpson@simpson-co.com simpson-co.com Spring Labs 4551 Glencoe Ave., Ste. 330 Marina Del Ray, CA 90292 Nate Schmitt (310) 484-6928 nate@springlabs.com springlabs.com Unitas Financial Services 6543 Commerce Pkwy., Ste. M Dublin, OH 43017 Brian Ruhe (740) 967-1131 brian.ruhe@unitas360.com www.unitas360.com Utah Center for Neighborhood Stabilization 6880 S. 700 W., 2nd Fl. Midvale, UT 84047 Dan Adams (801) 316-9111 dan@utcns.com www.utcns.com Vericast 15955 La Cantera Pkwy. San Antonio, TX 78256 Cristi Vernon (801) 288-2133 cristi.vernon@vericast.com www.vericast.com West Gate Bank Correspondent Mortgage Services 6003 Old Cheney Rd. Lincoln, NE 68506 Clay Bank (402) 853-7026 cblank@westgate.bank tpo.westgate.mortgage Zions Correspondent Banking Group 310 S. Main St., Ste. 1400 Salt Lake City, UT 84101 Phil Diederich (801) 844-7853 phillip.diederich@zionsbancorp.com www.zionscbg.com Utah Banker 27
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