Pub. 9 2021 Issue 3

Contents FA L L 2 0 2 1 4 9 18 2021 MIB BOARD OF DIRECTORS Amber Brown Peoples Bank of Deer Lodge Laura Clark Opportunity Bank, Helena Bill Coffee Stockman Bank, Miles City Daniel Day Bank of Montana, Missoula Shawn Dutton First Security Bank of Roundup Clinton Gerst Bank of Bozeman, Bozeman Brice Kluth First State Bank of Shelby Kenny Martin First Montana Bank, Helena 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 Andrew West, President Eagle Bank, Polson awest@eaglebankmt.com Adam McQuiston, Vice President First Montana Bank, Missoula amcquiston@firstmontanabank.com Loren Brown, Secretary Ascent Bank, Helena lbrown@ascentbank.com Tim Schreiber, Treasurer Farmers State Bank, Florence tims@farmersebank.com Tom Christnacht, Immediate Past President First Security Bank of Deer Lodge tomc@1stsecuritydl.com Pete Johnson, ICBA State Director Opportunity Bank, Helena pjohnson@oppbank.com Jim Brown Executive Director Montana Independent Bankers jbrown@mibonline.org MIB STAFF 2021 MIB EXECUTIVE OFFICERS ©2021 Montana Independent Bankers | The newsLINK Group, LLC. All rights reserved. The 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. The Community Banker is a collective work, and as such, some articles are submitted by authors who are independent of the Montana Independent Bankers. While the 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. 406.449.7444 jbrown@mibonline.org mibonline.org Montana Independent Bankers 1812 11th Ave P.O. Box 4893 Helena, MT 59604-4893 2 President’s Message 4 Executive Director’s Message 6 Upcoming Webinars 7 Flourish 8 From the Top 9 Featured Associate Member CWG Architecture: The Importance of Creating a Collaborative Project Team 11 Portfolios Morph: Investment securities have undergone big changes this year 13 Is Your Bank Ready for a Ransomware Demand? 15 Your Balance Sheet: Put it to Work! 16 Finding Growth Opportunities in a Changing Landscape 18 Compliance Q&A Fall 2021 20 Ag Lenders Seminar 21 Member News: Opportunity Bank of Montana Celebrates 100 Years of Community Banking 21 For the Love of Banking 22 Associate News: United Bankers’ Bank and RiskScout Announce Partnership to Provide Turnkey Solution to Safely and Effectively Enter New Growth Markets 23 Working Together to Serve Montana Small Businesses 24 MIB News: Stay on Mission: A Tale of Curiosity & Big Living, Against the Odds 25 Convention: Thank You Vendors 26 2021 Tailgates 27 2021 MIB Membership Directory 28 MIB Associate Members Resource Guide The Community Banker 1