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Fed’s Bowman: Community bank leverage ratio should be recalibrated
Federal Reserve Vice Chair for Supervision Michelle Bowman said the Fed should reconsider capital requirements for a wide range of banks, including the calibration of the community bank leverage...
Scott Anchin: How to Prevent Wire Fraud
With electronic payments increasingly the norm, wire fraud is becoming more common and varied in format.
West Shore Bank and Timberland Bank Offer Unique Avenues for Charitable Giving
West Shore Bank and Timberland Bank are fostering generosity by giving their customers unique avenues to support local charities.
CFO Roundtable: Interest Rates, Tariffs, Examiners
Amid the difficult economic environment community banks face today, our 2025 CFO Outlook survey shows a shift in priorities and thoughtful insight into changes to come.
Powering Potential: Unlock Your Leadership Potential With ICBA Resources
ICBA offers a comprehensive suite of resources designed to equip professionals with the tools and knowledge to thrive in our industry.
How One Bank Tackled Online Gambling Friendly Fraud
A fraud case at Williamstown Bank sheds light on how community banks can combat rising online gaming “friendly fraud” claims and navigate Regulation E compliance hurdles.
Out of Office: Evelyn Franco
The chief operating officer at $970 million-asset Frontier Bank of Texas in Elgin, Texas, is determined to hike and canyoneer through all 63 U.S. national parks alongside her sister.
First American Bank Draws a Chalk Path of Kindness
First American Bank in Artesia, New Mexico, embraced the spirit of Random Acts of Kindness Month in February.
Rebeca Romero Rainey: Conversations Must Determine Our Innovation Budgets
Innovation is one of those line items that can be hard to wrap our heads around.
Boost Your Non-Interest Income with Credit Cards
ICBA Payments helps community banks increase their non-interest income with credit card programs that span the revenue and risk spectrum.
Member Milestones 2025: Community Banks Are Here to Stay
Community banking requires vigor, skill and passion to withstand the test of time. That’s why ICBA is honoring member banks celebrating 100, 125, 150, 175 and even 200 years in service.
Mickey Marshall: Mutual Banks Are Mutually Beneficial
Customer-owned mutual banks offer a community-focused banking model.
KS Bank Helps Make Retirement Plans Happen
KS Bank’s wealth division provides retirement benefits planning services to its business clients to help them save money and attract and retain employees.
Jim Reber: Manage Interest Rate Risk With Strategic Portfolio Decisions
Yield curve shape reflects bond market’s mood.
Why Community Banks Are Revamping Their CD Strategies
Certificates of deposit are nothing new, but these products’ reputation for reliability is leading some community banks to reposition and market them more competitively.
Q&A: Amy Ledig on the EGRPRA Review Process
Independent Banker caught up with Amy Ledig, vice president of capital, accounting and finance policy at ICBA, to discuss the regulatory outlook.
The Most Notable 2025 Audit Updates So Far
A change in government leadership has led to adjustments in how examiners conduct audits. Learn what experts are seeing at a bank level.
Jack E. Hopkins: Turning Vendors Into Partners With ICBA
When faced with a crisis, community banks step up.
Jacob Eisen: Make Payments a Strategic Budget Priority
Payments have transformed into a strategic opportunity. They no longer simply perform a routine function. Instead, they offer revenue potential, enhanced customer experiences and more.
Yes, You CAN Offer Government-Guaranteed Lending Without Burdening Staff
Government-guaranteed lending isn’t just smart—it’s essential for community banks looking to serve more local businesses, add non-interest income, and stay competitive.
Q&A: Growth-Related Challenges for the Evolving Community Bank
Whether growing organically or through M&A, even positive change can present challenges. We talked to two community bankers about considerations and issues they’ve noticed as their banks have grown.
Rob Birgfeld: Amplify Community Banking With Local Influencers
Influencer marketing doesn’t have to target social media stars with millions of followers, it can start at a local level.
Jack E. Hopkins: Riding the Pendulum of Regulatory Compliance
Over the past decade, community banks have experienced our fair share of pendulum swings when it comes to regulation.
Out of Office: Skyler Kanipe
The project manager at $1.4 billion-asset Community Financial Services Bank (CFSB) in Benton, Kentucky, is always on the lookout for her next vintage find.
CedarStone Bank Recognizes and Thanks Local Teachers
Through its annual Teacher of the Year program, CedarStone Bank recognizes the dedication of Wilson County educators who inspire students and make a difference in their schooling every day.
What Benefits Does Gen Z Value Most?
Gen Z and community banks are both purpose-driven, so attracting the youngest employees largely depends on which benefits companies offer. Here’s how some community banks are doing it.
Reduce Collateralization: A Path to Greater Efficiency and Depositor Satisfaction
Banks can use a reciprocal deposit network to make large deposits eligible for millions in aggregate FDIC insurance across network banks — replacing the need for collateral or repos.
Rebeca Romero Rainey: Making a Difference, One Act at a Time
Community bankers are driven by a spirit of service. Giving back to our communities is simply a part of who we are.
Addressing Operational Pain Points With Regtech
Community banks face a variety of challenges day to day—risk, fraud, cybersecurity, etc.—that are perpetuated by a lack of time or staff. Regtech can help take the weight off bankers’ shoulders.
Building Bright Futures with Financial Education
High school financial literacy courses are an opportunity for community banks to set local youth up for success. See how some community banks are making a difference in financial education today.
Charles Potts: How the Regtech Revolution Represents Banking Today
In many ways, ICBA’s core pillars—advocacy, education and innovation—define today’s community bank priorities.
2025 National Community Bank Service Awards
Gulf Coast Bank and Legends Bank run thoughtful and strategic programs that support their neighbors. That’s why they’ve been named the winners of the 2025 National Community Bank Service Awards.
Katahdin Trust Company Shoots and Scores for Youth Athletes
In March, $1 billion-asset Katahdin Trust Company (KTC) in Houlton, Maine, teamed up with Big Time Hoops to host its All Star Weekend.
Powering Potential: Inside the ThinkTECH Accelerator
ICBA’s ThinkTECH Accelerator readies participating companies that have early-stage solutions and helps them tailor their products for community banks.
What Should Community Banks Know About Cross-Border Payments?
As cross-border payments reforms take shape, community banks must navigate promising opportunities and significant adjustments in this evolving space.
How to Balance Collections With Compassion for Customers
Community banks face the delicate task of collecting past-due loans while maintaining a compassionate approach, There are ways to be successful at both, experts say.
Michael Benedict: Putting the 'Strategy' in 'Portfolio Strategy'
How can you use your portfolio to create operating leverage?
Amy Ledig: Setting Deregulatory Priorities to Help Community Banks
A rundown of five areas where ICBA’s advocacy is making an impact.
How the MPF® Program Keeps Community Banks Competitive
Through the Mortgage Partnership Finance® (MPF®) Program, community banks gain access to the secondary mortgage market while benefiting from key competitive advantages.
Starion Bank Targets New Depositors Through Gig Economy Program
Starion Bank’s pioneering finance program for contract workers is designed to empower DoorDash drivers with seamless payments and exclusive rewards.
Lindsay LaNore: How to Play Well Without the Ball
There’s a rule that applies on the basketball court that can also be applied in the workplace. It’s called the 95% rule, and this is how it works.
4 Regulatory Challenges Community Banks Face Today
The regulatory environment for banks feels like it’s being turned upside down, but the fundamentals of compliance and risk management remain the same.
How Community Banks Can Build a Risk-Savvy Board
For community bank board members to mitigate risk effectively throughout the organization, each director needs to understand their role.
Still Processing Checks Like It’s 1995? Fraudsters Are Counting on It
Outdated check processing systems expose community banks to rising fraud and compliance risks.
New Analysis Shows Credit Union Acquisitions of Community Banks Harm the Communities That Can Least Afford It
ICBA and community bankers have long warned about the dangers of tax-exempt credit unions acquiring tax-paying community banks, a concerning trend that peaked last year and has continued in 2025.
On your marks
In just a few short weeks, the fixed-income market’s expectations for monetary policy have done a virtual about-face. This is not to say that investors are fickle.
Mission: Excellence—Are You Ready to Lead?
Every great leader has a moment when they’re called to step up—to lead with clarity, purpose, and excellence. For the next generation of community bank leaders, that moment is now.
Whole lotta thinkin’ going on
In reading and listening to the words of the Federal Reserve Board’s members over the past month, I hear a lot of hedging. And far be it from me to second guess the respective governors and...
How to Build an AI Policy at Your Community Bank
Artificial intelligence is here to stay, whether it’s generative AI, part of your bank’s neural network or both. That’s why having an AI policy is important—but how you go about writing it depends...
Flood of national bank trust charter applications demands policy response from OCC
While the financial services industry continues to rapidly evolve, banking policy often struggles to keep up or suffers from ill-considered changes that miss the mark.
How Community Banks Can Compete with Major Credit Card Issuers
How Community Banks Can Compete with Major Credit Card Issuers In today’s credit card market, community banks face significant competition from the major credit card issuers. However, with a...
Attract the Next Banking Generation with a Great Credit Card Portfolio
Attract the Next Banking Generation with a Great Credit Card Portfolio As the banking landscape evolves, community banks can attract the next generation of banking customers by offering a strong...
Maximizing Value: Selling Community Bank Credit Card Assets
In today's financial landscape, community banks are increasingly considering selling their credit card assets to enhance profitability and focus on core operations. Selling these assets can unlock...
How to Improve Community Banking Customer Satisfaction in 2025 with a Cash Back Credit Card Program
How to Improve Community Banking Customer Satisfaction in 2025 with a Cash Back Credit Card Program In an increasingly competitive community banking landscape, offering a diverse line of credit...
Online Course Newsletter – August 2025
Did you know that employee training records within ICBA stay with the employee? This means if an employee worked at another financial institution that subscribed to ICBA’s online training, they...
Data-Driven HR: Employers Navigate Compliance Amid Regulatory Changes
Data-driven personnel assessments have become a key part of how many banks and financial institutions enhance their human resources strategies and mitigate employment-related risks and liability.
Online Course Newsletter – July 2025
Did you know there is a Best Practices Video in the learning management system that covers everything an LMS Admin needs to know to effectively manage employee training with ICBA? Look for the blue...
At Halfway Point of 2025, ICBA Marks Significant Advocacy Successes
On the heels of our recent Capital Summit, in which hundreds of community bankers traveled to Washington to meet with policymakers, it is worth pausing to reflect on our successes as well as the...
How ICBA has worked to shape the GENIUS Act and what’s next for community banks
Following President Donald Trump’s signing of a new law on stablecoins—the GENIUS Act—on July 18, it is essential that the nation’s community bankers understand what it means for our industry and...
Online Course Newsletter – June 2025
Did you know that the ICBA Online Training Custom Plan allows you to track in-house and third party training inside the Learning Management System?