CONTINUING THE CLIMB FOR OUR COMMUNITIES By Rebeca Romero Rainey, President and CEO, ICBA I recently came across a quote from the Pulitzer Prize-winning poet Theodore Roethke: “Over every mountain, there is a path, although it may not be seen from the valley.” As an avid hiker myself, it resonated because as you look up toward the climb ahead, you may not see the route, but you know it’s there — not unlike the situation we face in community banking today. As we enter 2024, we see a steep climb amid so many headwinds, including volatile interest rate and supervisory environments, emerging regulatory reforms, constant pressure on margins and more. Yet, with every step on the journey, we just get stronger. As we look back on 2023, we felt the impact of numerous challenges — failures of large, risky banks, fluctuating interest rates, increased In advocacy, education and innovation, we are working alongside you to power your potential and help you surmount the trials you face along the journey. FLOURISH 6 NEBRASKA INDEPENDENT BANKER
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