Pub 12 2023 Issue 2

PRESIDENT’S COLUMN VACB Banker Synergy Contributes to Another Successful ICBA Capital Summit	4
CHAIRMAN’S MESSAGE Community Banks and the Culture of Mahalo!	5
MULTIFACTOR AUTHENTICATION How Having a Layered Defense for Your Bank Can Help to Combat Cyber Threats	7
WORLDWIDE DEMAND Buyers of U.S. Debt Come in Many Shapes and Sizes	10
VACB — WILLIAMS MULLEN 23RD ANNUAL BANKERS’ GOLF CUP TOURNAMENT	12
HOW DOES RECENT BANK DRAMA IMPACT THE VALUE OF COMMUNITY BANKS?	14
NAVIGATING THE POTENTIAL IMPACT OF RECENT REGULATORY GUIDANCE	16
SECTION 1071 FINAL RULE What You Need to Know	19
SAVE THE DATE VACB 46th Annual Convention & Trade Show	22

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