2026 Pub. 14 Issue 1

The Bottom Line	4
Washington Update: Fighting on in 2026	5
Banker Day at the Utah State Legislature	6
The Hidden Culprit Behind Community Banking’s Enforcement Action Surge	8
2026 Ag Outlook & Conference	9
When Digital Transformation Doesn’t Deliver	10
Utah Bankers Go to Washington	12
Cybersecurity Compliance After FFIEC CAT	14
Bank Kudos	16
Bankers on the Move	18
UBA Endorses Stablecore to Expand Digital Asset Capabilities for Utah Banks	19
Welcome to Our New Associate Members!	20
UBA Associate Members	21
UBA Staff	23

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