©2025 Virginia Association of Community Banks (VACB) | The newsLINK Group LLC. All rights reserved. The Community Banker is published four times per year by The newsLINK Group LLC for VACB 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 VACB, 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. The Community Banker is a collective work, and as such, some articles are submitted by authors who are independent of VACB. 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. CONTENTS 4 8 VACB Board of Directors CHAIR Tara Y. Harrison Virginia National Bank Charlottesville CHAIR-ELECT Lisa E. Kilgour MainStreet Bank Fairfax VICE CHAIR Dabney T.P. Gilliam Jr. The Bank of Charlotte County Phoenix PAST CHAIRMAN Joseph R. Witt, CPA The Old Point National Bank Hampton ICBA VIRGINIA DELEGATE Blake M. Edwards Jr. Skyline National Bank Independence PRESIDENT & CEO Corey J. Connors VACB Richmond VACB Directors LeAnne R. Emert Benchmark Community Bank Kenbridge Cetric A. Gayles Citizens Bank & Trust Blackstone Aaron Green Pendleton Community Bank Harrisonburg James E. Hendricks Village Bank Midlothian Robert J. Hobbs CornerStone Bank Lexington Paul M. Mylum National Bank Blacksburg Thomas L. Rasey Jr. The Farmers Bank of Appomattox Appomattox Mark N. Reed Pioneer Bank Stanley Matthew H. Steilberg C&F Bank Toano VACB Staff Katharine C. Garner, CMP Vice President Education & Communications Kelli C. Mallinger Member Services Administrator Chair’s Message 4 Focus on Advocacy By Tara Y. Harrison, Chair, VACB, Executive Vice President, Chief Financial Officer, Virginia National Bank, Charlottesville President’s Column 6 What We Heard During VACB’s 2025 Spring Roundtables By Corey Connors, President & CEO, VACB 8 2025 VACB/Williams Mullen — 25th Annual Bankers’ Cup Golf Tournament A Picture-Perfect Day 12 Is It Time to Realign Your Legacy Consumer Liquidity Strategy? Yes — Now More Than Ever By Tim Barrett, Executive DDA Strategies, CSI 14 7 Questions Banks Should Ask a Potential Fintech Partner By BHG Financial Institutional Network 18 Deposit Strategies To Deepen Commercial Relationships By Dennis Falk, SVP and Regional Manager, PCBB 20 Vigilante Justice? Financial Markets React Quickly to Policy Changes By Jim Reber, President and CEO, ICBA Securities 22 Rethinking Revenue How Community Banks Are Adapting to a Changing Financial Landscape By Reliable Payments Save the Date 24 VACB’s 48th Annual Convention 3 The CommunityBanker
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