Contents ©2026 West Virginia Bankers Association (WVBA) | MBR Connect™. All rights reserved. West Virginia 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 WVBA, 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. West Virginia Banker is a collective work, and as such, some articles are submitted by authors who are independent of WVBA. 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. 8 20 PRESIDENT’S MESSAGE 4 Advocacy by Association By Mark Mangano, President & CEO, WVBankers 5 Meet Your Chairman Greg Shupe President and CEO of Pioneer Community Bank 8 Working for West Virginia’s Future How WVBankers Advocates for Economic Growth in the Statehouse and Beyond By Bryce Himelrick, Government Affairs Strategist, WVBankers 9 Thank You to Our 2026 Convention Sponsors 10 The Housing Act’s New Reciprocal Deposit Legislation What It Means for U.S. Banks By Joe Hooker, Chief Sales Officer, IntraFi 12 Handling Religious Accommodation Requests A Cautionary Tale for West Virginia Employers By J. Tyler Mayhew, Esq., Partner, Bowles Rice 14 Fraud Warning Signs and How Heeding Them Prevents Larger Losses By Pankaj Sarda, SVP of Product Management, Enterprise Core Banking Solutions, CSI 16 Keeping Growth Close to Home How the West Virginia First Small Business Growth Program Protects Banking Relationships By A. Garner Marks, Member, Spilman Thomas & Battle PLLC WASHINGTON UPDATE 18 It’s Time to Talk Tokenization By Rob Nichols, President and CEO, American Bankers Association 20 Navigating Revised Estimates Under TRID When Lenders Can Reset Closing Cost Tolerances — And When They Cannot By Renea Rush, CRCM, CCBIA, Virtual Compliance Officer, Compliance Alliance 2 WEST VIRGINIA BANKER
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