©2023 The Nebraska Independent Community Bankers are proud to present The Nebraska Independent Banker as a benefit of membership in the association. No member dues were used in the publishing of this news magazine. All publishing costs were borne by advertising sales. Purchase of any products or services from paid advertisements within this magazine are the sole responsibility of the consumer. The statements and opinions expressed herein are those of the individual authors and do not necessarily represent the views of Nebraska Independent Community Bankers or its publisher, The newsLINK Group, LLC. Any legal advice should be regarded as general information. It is strongly recommended that one contact an attorney for counsel regarding specific circumstances. Likewise, the appearance of advertisers does not constitute an endorsement of the products or services featured by The newsLINK Group, LLC. Nebraska Independent Community Bankers 1001 S. 70 Street, Ste 101 Lincoln, NE 68510 (402) 474-4662 nicbonline.com The Nebraska Independent Banker is a Publication of The Nebraska Independent Community Bankers Association Issue 1 • 2023 INSIDE TAKE A LOOK 8 20 24 NICB Executive Committee Chairman Rick Heckenlively Points West Community Bank Sidney Chairman Elect Dave Ochsner Commercial Bank Nelson Vice Chairman Jim Niemeier Citizens State Bank Friend President/CEO Dexter Schrodt Secretary Kelly Lenners First State Bank Nebraska Pickrell Treasurer Arnold Lowell CerescoBank Ceresco Immediate Past Chairman Corby Schweers Elkhorn Valley Bank Wayne 4 President’s Message Nebraska’s Community Banks are Well-Positioned Dexter Schrodt, President and CEO, NICB 5 ICBA Live 2023 6 Flourish By Rebeca Romero Rainey, President and CEO, ICBA 8 From The Top By Brad Bolton, Chairman, ICBA 10 Windows 11 vs. Windows 10: Should You Make the Switch? By Mike Gilmore, RESULTS Technology 12 Fixed Rate or Floating? Hybrid ARMs Give an Investor Both Features By Jim Reber, ICBA Securities 14 Innovation Station Top 5 Innovation Trends for 2023 By Charles Potts, ICBA 16 Over-Sharing in the Workplace? Why Your Company May Need a TikTok and BeReal Policy By Fisher Phillips 20 CFPB Issues Guidance About Illegal Junk Fees on Deposit Accounts By William J. Showalter, Young & Associates, Inc. 22 Upcoming Webinars 24 Navigating the Potential Impact of Recent Regulatory Guidance By Gale Simons-Poole, BHG Financial 26 NICB Endorsed Partners 26 Associate Members 2023
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