TABLE of CONTENTS 4 The Bottom Line By Howard Headlee, President and CEO, Utah Bankers Association WASHINGTON UPDATE 6 The Legacy of American Banking By Rob Nichols, President and CEO, American Bankers Association 7 118th Annual UBA Convention Recap By Brian Comstock, Director of Communications & Marketing, Utah Bankers Association 10 Introducing the 2026-27 UBA Board of Directors 12 2026 Women in Banking Conference Highlights 14 Why Workforce Consistency Has Become a Banking Risk Issue By Brad Rich, Regional Director, isolved HCM Sales 16 Bank Kudos 21 Bankers on the Move 24 Welcome to Our New Associate Members! 25 UBA Associate Members 27 UBA Staff Utah Banker 3
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