Pub. 3 2024 Issue 4

4 ©2024 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. The Nebraska Independent Banker is a collective work, and as such, some articles are submitted by authors who are independent of the Nebraska Independent Bankers Association. While the Nebraska Independent 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. Nebraska Independent Community Bankers 1201 Lincoln Mall, Ste. 103 Lincoln, NE 68508 (402) 474-4662 nicbonline.com The Nebraska Independent Banker is a publication of The Nebraska Independent Community Bankers Association Issue 4 • 2024 TAKE A LOOK INSIDE 14 16 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 FLOURISH Connected as Independent Community Banks By Rebeca Romero Rainey, President and CEO, ICBA 6 We’ve Moved! 8 Putting Your Institution’s Best Foot Forward ​for a Lower-Rate Environment By Kent Musbach, Senior Vice President, and Marc Gall, Senior Vice President and Asset/Liability Strategist, BOK Financial Capital Markets 10 Bank Training Webinars 11 How Positive Pay Helps Fight Check Fraud By Jason Young, Senior Director of Enterprise Banking, CSI 13 We Want to Feature You ​ in Our Next Issue of The Nebraska Independent Banker! 14 The Meek … Inherit a Prominent Place in Bond Portfolios By Jim Reber, President and CEO, ICBA Securities 16 Risks of Using AI in BSA/AML Compliance By Sharvelle Washington, Assistant Vice President, Compliance & Risk, Bankers’ Bank of the West 18 NICB Endorsed Partners 18 Associate Members 2024

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