2025 Pub. 16 Issue 1

President’s Message: West Virginia School of Banking	5
Debanking: Financial Services as a Public Utility?	6
“Don’t Get Fooled Again!”	10
Preparing for the FFIEC CAT Phase-Out	16
Navigating the Future	18
Top Challenges and Opportunities for Community Banks in 2025	22
Plan Sponsors’ Five Deadly Sins	25

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