Washington, D.C. —The Independent Community Bankers of America® (ICBA) today announced the selected companies for the 10th iteration of its award-winning ICBA ThinkTECH Accelerator program (AP10). The solutions span a broad array of offerings – from responsible AI for compliance to tools that accelerate small business growth, modernize lending, expand investing options, and strengthen fraud defenses – all supporting community bank innovation.
“As community banks adapt to meet evolving customer needs and market demands, ICBA is fostering the connections that help reimagine what’s possible,” ICBA Executive Vice President and Chief Innovation Officer Wayne Miller said. “Each new cohort builds on past lessons, showcasing the value of a sustained, disciplined approach to bank-focused innovation that ensures a consistently high bar for quality and practical impact.”
Following a rigorous selection process where candidates were evaluated for the team’s strength, product maturity, and market fit, ICBA, in consultation with its bank-led selection committee, chose the following companies for AP10:
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Crux Analytics – Uses agentic business development workflows to support small business client acquisition, engagement, and retention.
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Flatirons AI – Leverages generative artificial intelligence to support bank operations to improve the bank’s overall compliance posture.
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Investifi – Provides digital investment services directly from the account holder’s checking account, bypassing third-party payment rails.
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Onsetto – A white label, AI powered platform that simplifies commercial account transitions to migrate accounts payments, receivables, and payroll systems.
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Parlay – A loan intelligence system designed to eliminate manual-intensive processes associated with small business and SBA lending intake.
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Socratix Ai – Builds secure, enterprise-grade AI agents that helps fraud and risk teams investigate alerts in real-time and deliver structured insights.
During the 10-week program, the companies will collaborate with community bank leaders and industry experts to refine their solutions for community bank adoption. AP10 will kick off Jan. 5, 2026, and conclude with a showcase at ICBA’s annual convention, ICBA LIVE in San Diego, Calif. The LIVE Showcase will also include ThinkTECH alums from AP9.
“Community banks thrive when they combine the trust and relationships they’re known for with modern, customer-centric technology,” said Greg Ohlendorf, chairman of the ICBA ThinkTECH Selection Committee and president and CEO of First Community Bank and Trust in Beecher, Ill. “This accelerator bridges those strengths — fostering innovation that’s built for Main Street and tailored to the needs of real customers.”
Since its launch, the ICBA ThinkTECH Accelerator has connected pioneering founders with thousands of community bankers and industry leaders — identifying and designing workable solutions that help community banks remain competitive, efficient, and responsive to customer needs.
For more information about the ICBA ThinkTECH Accelerator, or to apply or nominate a bank technology solution for future accelerators, visit icba.org/accelerator.
About ICBA
The Independent Community Bankers of America® has one mission: to create and promote an environment where community banks flourish. We power the potential of the nation’s community banks through effective advocacy, education, and innovation.
As local and trusted sources of credit, America’s community banks leverage their relationship-based business model and innovative offerings to channel deposits into the neighborhoods they serve, creating jobs, fostering economic prosperity, and fueling their customers’ financial goals and dreams. For more information, visit ICBA’s website at icba.org.