Pub. 2 2021 Issue 6

CONTENTS Issue 6 | cbak.com © 2021 Community Bankers Association of Kansas | The newsLINK Group, LLC. All rights reserved. In Touch is published six times each year by The newsLINK Group, LLC for the Community Bankers Association of Kansas and is the of f icial 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 the Community Bankers Association of Kansas, 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 Bankers Association of Kansas is a collective work, and as such, some articles are submitted by authors who are independent of the Community Bankers Association of Kansas. While In Touch encourages a first-print policy, 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. Michele C. Lundy Chairman Tampa State Bank Irv Mitchell Chairman-Elect Wilson State Bank Joe Rottinghaus Secretary/Treasurer Conway Bank Jon W. Pope Immediate Past Chairman Peoples State Bank DIRECTORS Josh Bailey Security State Bank Kent Culbertson First National Bank & Trust Tim Mattack FNB Washington Margaret Nightengale Grant County Bank Tom Pruitt Peoples Bank & Trust Co. Jack Rowden Citizens State Bank Melisa Sorenson Legacy Bank Jim Wayman ESB Financial STATE ICBA DIRECTORS Tanner Johnson Swedish-American Bank Shawn Mitchell President and CEO shawn@cbak.com Nikki Dohrman Senior Vice President/ Executive Director nikki@cbak.com Yvonna Hansen Vice President of Member Services yvonna@cbak.com Stuart Little Little Government Relations, LLC CBA STAFF 2021 CBA OFFICERS AND DIRECTORS IN EVERY ISSUE: 24 ANNIVERSARIES 25 UPCOMING WEBINARS 26 PRODUCTS AND SERVICES REFERENCE LIST 4 FLOURISH By Rebeca Romero, ICBA 6 2021 CBA MEMBERSHIP APPRECIATION TAILGATE 8 SUCCESSOR BENEFICIARY OPTIONS POST-SECURE ACT By Lisa Haberman, MBA, MAM 10 WHAT IS A SUPERHERO COMMUNITY BANKER? By Byron Earnheart, Barret School of Banking 12 LOAN REVIEW CHALLENGES: SURVEY FINDS DATA, STAFFING AMONG TOP OBSTACLES By Mary Ellen Biery, Abrigo 14 THE 2022 COMMUNITY BANKERS FOR COMPLIANCE PROGRAM 16 WHAT ARE CONSUMERS’ TOP CYBERSECURITY CONCERNS? FIND OUT HOW YOUR BANK CAN ADDRESS KEY ISSUES AND BUILD TRUST AMONG YOUR CUSTOMERS By Sean Martin, CSI 18 GROWING UP TO BECOME A LARGER BANK By William J. Showalter, CRCM, CRP Senior Consultant; Young & Associates, Inc. 22 UNCOVERING FEE-INCOME AND YIELD OPPORTUNITIES IN A CHALLENGING MARKET By Tom Badolato, BHG