Pub. 13 2024 Issue 1

Chairman’s Message - Recruitment and Development of Leadership	4
President’s Column - Much To Do - Dive In!	5
3 Stages to Unlock a People-First Work Culture	6
From Vision to Velocity: The Making of the FedNow Service	8
Hold On! Bank Loan Quality Doesn’t Align with Wall Street Metrics	10
Flourish - Continuing the Climb for Our Communities	13
Winning the Battle for Deposits	14
Save the Date! VACB - Williams Mullen 24th Annual Golf Tournament	16
Save the Date: VACB 47th Annual Convention & Trade Show	16
Innovation Station - The Powerful Role of Data in Community Bank Innovation	17
ICBA Education: A New Educational Program From VACB and ICBA	19

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