©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 3 • 2023 INSIDE TAKE A LOOK 7 14 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 6 President’s Message Celebrating One Year: Reflecting on Progress and Commitment To Advocacy By Dexter Schrodt, President and CEO, NICB 7 Flourish By Rebeca Romero Rainey, President and CEO, ICBA 8 Worldwide Demand Buyers of U.S. Debt Come In Many Shapes and Sizes By Jim Reber, President and CEO, ICBA Securities 11 Multi-Factor Authentication How Having a Layered Defense for Your Bank Can Help to Combat Cyber Threats By Mike Gilmore, Chief Compliance Officer, RESULTS Technology 13 Core Banking Software Provider, FPS GOLD, Endorses RESULTS Technology Endorsement will help community banks reduce risks and achieve operational efficiency. 14 Loan Review Best Practices Key To Combatting Credit Risk In Stressful Times By David Ruffin, Principal, IntelliCredit/QwickRate 17 How Does Recent Bank Drama Impact the Value of Community Banks? By Lindy Ireland, Vice President and Shareholder, BCC Advisers 18 Compliance Q&A By Bill Showalter, Senior Consultant, Young & Associates, Inc. 21 Bank Training Webinars 22 Slip, Trip and Fall Prevention By Travelers 24 SECURE 2.0 Offers New Type of Emergency Savings Account By Lisa Haberman, Ed.D., ChFC®, CLU®, Ascensus 26 NICB Endorsed Partners 26 Associate Members 2023
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