ICBA LIVE 2027: Made for This Moment

Community banks are increasingly investing in artificial intelligence, yet many institutions struggle to move beyond experimentation and achieve meaningful adoption across the organization. This session addresses the leadership, cultural, and change-management challenges that often slow AI initiatives and prevent employees from realizing their full potential. Participants get to explore strategies for establishing ownership, building internal champions, creating accountability, and overcoming resistance to change. The session also examines approaches for helping employees transition from passive exploration to practical, business-focused application of AI tools. Through real-world banking examples and live demonstrations, attendees leave with a clearer understanding of how effective leadership can drive AI adoption and unlock tangible value across the institution. Learning Objectives: Identify leadership, cultural, and change-management barriers to AI adoption in community banks. Establish ownership, accountability, and internal champions to support AI initiatives. Apply strategies to overcome employee resistance and encourage responsible AI adoption. Evaluate real-world banking use cases to identify opportunities for improved efficiency, decision-making, and productivity. Duration: 60-minutes Presented live and recorded on 10/20/26.

Your website is open 24/7, staffed by no one, and it's often the very first, and sometimes only, interaction a prospective customer has with your brand. Yet most financial institutions manage it like a project instead of a branch, with no one clearly accountable for how it performs. This session helps you pinpoint exactly how mature your website management really is, assign real ownership before the gaps cost you, and build the kind of reporting your executive team can actually act on. Learning Objectives: Assess your own maturity: a four-level model for where your website sits today, from unmanaged, to monitored, to managed, to fully staffed, so you can name the gap before you fund it.Understand what "being discovered" now requires: how AI-driven and generative search changes the discovery job, and what that means for who owns it internally.Assign real ownership: a framework for defining who the branch manager is, what authority they need, and which standards the site is held to.Build reporting executives can act on: web performance framed as decisions and dollars rather than clicks, opens, and impressions. Duration: 60 minutes Presented live and recorded on 10/21/26.

CRA Foundations for Small Banks is a dynamic, hands-on seminar designed to equip participants with a practical understanding of Community Reinvestment Act (CRA) requirements tailored specifically to small institutions.  The session covers core concepts such as assessment areas, qualifying activities, and examiner expectations, with focused guidance on the Small Bank Lending Test performance standards—including Loan-to-Deposit (LTD) ratio, assessment area concentration, geographic and borrower distribution, and response to CRA-related complaints.  Through interactive discussions and real-world exercises, attendees will gain actionable insights and tools to confidently build and manage an effective CRA compliance program.

Community banks are continually seeking ways to grow core deposits, increase non-interest income, and deepen business customer relationships. Treasury Management has become a strategic driver of all three. This seminar provides a practical roadmap for developing, marketing, implementing, and optimizing treasury management services that help businesses manage cash flow, improve operational efficiency, enhance fraud protection, and strengthen liquidity management. Participants will explore today's most valuable treasury solutions, effective sales and onboarding strategies, implementation best practices, and emerging trends that are shaping the future of treasury management. Whether you are responsible for business banking, treasury management, operations, technology, sales, marketing, or executive leadership, you will gain actionable insights to help your institution generate additional fee income, attract deposits, enhance customer relationships, and remain competitive in an increasingly digital payments environment.  Learning Objectives: Understand the Treasury Management services available in the market. Identify Treasury Management services your business customers are asking for and which services you need to offer to businesses based on industry. Understand the ideal organizational design for Treasury Management services for your institution. Implement ideas on how to market and brand your Treasury Management services. Choose the right digital payment strategy for businesses.