2025 Pub. 13 Issue 1

The Bottom Line	4
Washington Update: Celebrating a Legacy of Collaboration	5
Banker Day at the Utah State Legislature	6
The Onus of “On-Us” Checks	8
2025 Ag Outlook & Conference Report	10
Compliance Updates Banking HR Leaders Need to Know	12
Next-Gen Fraud Prevention Conference	14
The Sneaky Foe in Cybersecurity	16
Bank Kudos	18
Eric Schmutz Retires as President and CEO of State Bank of Southern Utah	21
Bankers on the Move	22
Welcome to Our New Associate Members!	24
UBA Associate Members	25

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