©2026 Virginia Association of Community Banks (VACB) | MBR Connect. All rights reserved. The Community Banker is published four times per year 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 (801) 676-9722. 6 14 CONTENTS 4 CHAIR’S MESSAGE The Future of Our Balance Sheets Tokenized Deposits vs. Stablecoins By Lisa E. Kilgour, EVP and Chief Operating Officer, MainStreet Bank 6 PRESIDENT’S COLUMN Before We Plan, We Listen By Corey Connors, President & CEO, VACB 8 Mean Reversion: Bond Yield Relationships Are Looking Familiar, Finally By Jim Reber, Managing Director-ICBA Relations, The Baker Group 10 Driving Community Prosperity with Reciprocal Deposits By Joe Hooker, Chief Sales Officer, IntraFi 12 How To Avoid Typosquatting Scams By SHAZAM Inc. 13 SAVE THE DATE VACB’s 49th Annual Convention & Trade Show 14 Home Mortgage Disclosure Act (HMDA) Requirements and Recommended Practices By Frank Antiga, CPA, CBAP, Risk Advisory Principal, S.R. Snodgrass PC 16 Building the Foundation for Effective AI Closing the Data Readiness Gap By Ajay John, VP of Data Science & AI, CSI 18 VACB Preferred Vendor Providers VACB Executive Committee CHAIR Lisa E. Kilgour MainStreet Bank Fairfax VICE CHAIR Dabney T.P. Gilliam Jr. Bank of Charlotte Co. Phenix PAST CHAIR Tara Y. Harrison Virginia National Bank Charlottesville TREASURER LeAnne R. Emert Benchmark Community Bank Kenbridge SECRETARY James E. Hendricks Jr. TowneBank Midlothian ICBA STATE DELEGATE Blake M. Edwards Jr. Skyline National Bank Independence PRESIDENT & CEO Corey J. Connors VACB Richmond VACB Board of Directors Cetric A. Gayles Citizens Bank & Trust Blackstone Aaron Green Pendleton Community Bank Harrisonburg Robert J. Hobbs CornerStone Bank Lexington Paul M. Mylum Bank of Charlotte Co. Phenix 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. Young Member Services Administrator 3 The Community Banker
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