21 2024 MIB EXECUTIVE OFFICERS Loren Brown, President Ascent Bank, Helena lbrown@ascentbank.com Amber Brown, Vice President Peoples Bank of Deer Lodge abrown@pbdl.net Clinton Gerst, Secretary Bank of Bozeman cgerst@bankofbozeman.com Laura Clark, Treasurer Opportunity Bank lclark@oppbank.com Tim Schreiber, Immediate Past President Farmers State Bank tims@farmersebank.com Kenny Martin, ICBA State Director First Montana Bank, Helena kmartin@firstmontanabank.com 2024 MIB BOARD OF DIRECTORS Tom Christnacht First Security Bank of Deer Lodge Andrew West Eagle Bank, Polson Bill Coffee Stockman Bank, Miles City Daniel Day Bank of Montana, Missoula Shawn Dutton First Security Bank of Roundup Brice Kluth First State Bank of Shelby Scott Mizner American Bank, Bozeman Mike Moore Stockmens Bank, Cascade Joel Rosenberg Three Rivers Bank of Montana, Kalispell Phil Willett Pioneer Federal Savings and Loan, Dillon ASSOCIATE BOARD MEMBER Ryan Fritz Citizens Alliance Bank rfritz@citizensalliancebank.com MIB STAFF Jim Brown, Executive Director Montana Independent Bankers jbrown@mibonline.org ©2024 Montana Independent Bankers | The newsLINK Group LLC. All rights reserved. Community Banker is published four times each year by The newsLINK Group LLC for the Montana Independent Bankers 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 the Montana Independent Bankers, 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. Community Banker is a collective work, and as such, some articles are submitted by authors who are independent of the Montana Independent Bankers. While Community Banker 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. Montana Independent Bankers 1812 11th Ave. P.O. Box 4893 Helena, MT 59604 (406) 449-7444 jbrown@mibonline.org mibonline.org 10 4 President’s Message 4 Loren Brown Takes the Helm as Incoming MIB President Executive Director’s Message 6 MIB’s Best Convention Yet! By James E. Brown, Esq., Executive Director, MIB From The Top 8 Showing Pride in Independence By Lucas White, Chairman, ICBA Flourish 9 Connected as Independent Community Banks By Rebeca Romero Rainey, President and CEO, ICBA 10 The Meek … Inherit a Prominent Place in Bond Portfolios By Jim Reber, President and CEO, ICBA Securities 12 MIB 2024 Awards 12 MIB Upcoming Events Featured Associate Member 14 Insights From PCBB Unlock More Profitable Customer Relationships By Matt Helsing, SVP & Northwest Regional Manager, PCBB 16 MIB’s 2024 Call on Washington Recap 18 Learning from Redlining Enforcement Actions By William J. Showalter, CRCM, Senior Consultant, Young & Associates Inc. 21 Business Overhead Expense Insurance What It Means to a Savvy Banker By Andy Phillips, Benefit & Financial Strategies LLC 24 Enhancing Banking Convenience and Efficiency With Bancard ATM By Bancard ATM 26 MIB’s 57th Annual Convention & Trade Show 27 ThankYou to Our 2024 MIB Convention Sponsors! 28 2024 MIB Membership Directory 29 MIB Associate Member Resource Guide 30 MIB Associate Member Banks 31 Bank Training Webinars Contents SUMMER 2024
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