TABLE of CONTENTS 4 The Bottom Line By Howard Headlee, President and CEO, Utah Bankers Association WASHINGTON UPDATE 5 Fighting on in 2026 By Rob Nichols, President and CEO, American Bankers Association 6 Banker Day at the Utah State Legislature 8 The Hidden Culprit Behind Community Banking’s Enforcement Action Surge By Lee Easton, President & Founder, and Kyle Thorton, Solutions Architect & Sales Engineer, iDENTIFY 9 2026 Ag Outlook & Conference Growing the Partnerships That Power Utah Agriculture 10 When Digital Transformation Doesn’t Deliver Why It Happens and How to Fix It By Joshua Talbert, Head Sherpa (CEO), mysherpas 12 Utah Bankers Go to Washington 14 Cybersecurity Compliance After FFIEC CAT New Expectations for Financial Institutions By Bryan Boam, CEO, Azureity Inc. 16 Bank Kudos 18 Bankers on the Move 19 UBA Endorses Stablecore to Expand Digital Asset Capabilities for Utah Banks 20 Welcome to Our New Associate Members! 21 UBA Associate Members 23 UBA Staff Utah Banker 3
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