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Handouts3

© 2016 Jeff Judy & Associates Commercial Credit Overview Making the Commercial Credit Decision © 2016 Jeff Judy & Associates Key Credit Concepts • No One Ever Makes a Loan Decision; ...

Aug 1, 2025

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Certification News Q2 2020

By Brad Stevens, Stevens Risk Management, LLC In medical terms “triage” is defined as the process that is used to assess the viability of patients, determine urgency, and prioritize treatment. ...

Jul 31, 2025

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Tennessee

icba.org | info@icba.org | 866-422-8439 Sources: FDIC Call Report, FDIC Summary of Deposits, Census Geocoder. Branch and financial data are current as of 4/7/2022 and updated yearly. COMMUNITY...

Jul 31, 2025

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Bank Director Program Newsletter July - August

Interchange vs. Swipe Fees, A Primer By Kari Mitchum, ICBA With so much discussion around card transactions, what does a bank director need to know about interchange and swipe fees to understand...

Aug 7, 2025

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test072017

Testimony of Jack E. Hopkins President and CEO of CorTrust Bank Sioux Falls, SD On behalf of the Independent Community Bankers of America Before the United States...

Aug 1, 2025

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Arkansas

Looking out for Local Communities Community banks are critical to thriving local economies and help foster healthy small businesses. It’s time for Congress to examine the NCUA and the...

Jul 31, 2025

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VA-2

icba.org | info@icba.org | 866-422-8439 Sources: FDIC Call Report, FDIC Summary of Deposits, Census Geocoder. Branch and financial data are current as of 12/31/2025 and updated yearly. A D V_ 26...

Apr 15, 2026

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prelimsettlementapprovalorder

IN THE UNITED STATES DISTRICT COURT FOR THE NORTHERN DISTRICT OF GEORGIA ATLANTA DIVISION __________________________________ ) In re: The Home Depot, Inc., Customer ) ...

Aug 1, 2025

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NAFCU-Guide_2020

www.icba.org ⋅ info@icba.org ⋅ 800-422-8439 1 ICBA Guide to Meeting with Credit Unions during NAFCU’s Virtual Congressional Caucus As tax-exempt credit union representatives meet...

Jul 31, 2025

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MO-8

icba.org | info@icba.org | 866-422-8439 Sources: FDIC Call Report, FDIC Summary of Deposits, Census Geocoder. Branch and financial data are current as of 12/31/2025 and updated yearly. A D V_ 26...

Apr 15, 2026

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ltr072315

July 23, 2015 Mr. Brent J. Fields Secretary U.S. Securities and Exchange Commission 100 F Street, NE Washington, DC 20549 Re: Proposed Rules on Pay Versus Performance (Release No. 34-74835; File...

Aug 1, 2025

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19.01.17_SquareCL

January 17, 2019 Kathy Moe Regional Director FDIC San Francisco Regional Office 25 Jessie Street at Ecker Square San Francisco, California 94105 Dear Ms. Moe: The Independent...

Aug 1, 2025

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Joint letter requesting extended comment period for FDIC RFI on deposits

1 August 21, 2024 VIA ELECTRONIC SUBMISSION Federal Deposit Insurance Corporation 550 17th Street NW Washington, DC...

Jul 31, 2025

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Maryland-6

icba.org | info@icba.org | 866-422-8439 Sources: FDIC Call Report, FDIC Summary of Deposits, Census Geocoder. Branch and financial data are current as of 4/7/2022 and updated yearly. COMMUNITY...

Jul 31, 2025

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DE - Coverage Fact Sheet

Community Bank Presence in Contrast DELAWARE Community Bank Branch Locations Credit Union Branch Locations Large Bank Branch Locations Sources: FDIC Summary of Deposits, NCUA Call Reports, US...

Nov 3, 2025

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California-7

icba.org | info@icba.org | 866-422-8439 Sources: FDIC Call Report, FDIC Summary of Deposits, Census Geocoder. Branch and financial data are current as of 12/13/2024 and updated yearly. EV T_ 24...

Jul 30, 2025

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ICBA Comment Ltr-FCA IFR Advisory Votes April 2014

Submitted Electronically April 30, 2014 Mr. Barry F. Mardock Deputy Director Office of Regulatory Policy Farm Credit Administration 1501 Farm Credit Drive McLean, VA 22102-5090 Re:...

Aug 1, 2025

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ICBA LIVE 2026 Registration Form

Amount $ Send me an invoice Pay by check payable to ICBA Pay by credit card Card Holder Name Credit Card Number Expiration Date CSC Credit Card Signature Pay by ACH Name: ...

Sep 17, 2025

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New York

icba.org | info@icba.org | 866-422-8439 ADV_2687A26 Sources: FFIEC 2025 Q4 Call Reports, NCUA 2025 Q4 Call Reports, FDIC Statement of Deposits Reports, Tax Foundation, Kaiser Family Foundation, ...

May 13, 2026

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17.10.04_statement

www.icba.org/advocacy October 4, 2017 Tax Reform That Strengthens and Community Bank-Small Business Partnership On behalf of the more than 5,700 community banks represented by...

Aug 1, 2025

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cl092517

September 25, 2017 Legislative and Regulatory Activities Division Office of the Comptroller of the Currency 400 7th Street SW Suite 3E-218, Mail Stop 9W-11 Washington, DC 20219 Ms. Ann...

Aug 1, 2025

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Capital Summit 2022 Full Page

REGISTER TODAY ICBA.ORG/CAPITALSUMMIT MAY 1–4 INFORM • IMPACT • INSPIRE YOU'RE AN ADVOCATE FOR YOUR COMMUNITY, BE AN ADVOCATE FOR YOUR INDUSTRY. REGISTRATION IS FREE FOR ALL OF OUR NATION'S...

Jul 31, 2025

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Materials for Frontline & Operations Staff

EDU_2016A23 BSA/AML Video Training Series Frontline & Operations Staff 2 BSA/AML Training | Frontline & Operations Staff Overview of the Training 1 Five Pillars 2 Oversight by FinCEN 3...

Aug 7, 2025

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Legislative Update - ACRE (Updated May 2025)

May 2025 ICBA Legislative Update: The Access to Credit for our Rural Economy (ACRE) Act Need for Legislation The ACRE Act (H.R. 1822 / S. 838) is bipartisan legislation sponsored by Rep....

Aug 7, 2025

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ICBA Payments Relationship Managers

mailto:Joe.Buse@icba.org mailto:heather.sullivan@icba.org mailto:Chrissy.Ahern@icba.org mailto:Laura.Pierce@icba.org mailto:Joe.Buse@icba.org mailto:Connie.Stallworth@icba.org...

Aug 7, 2025

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CA-5

icba.org | info@icba.org | 866-422-8439 Sources: FDIC Call Report, FDIC Summary of Deposits, Census Geocoder. Branch and financial data are current as of 12/31/2025 and updated yearly. A D V_ 26...

Apr 15, 2026

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Nevada-4

icba.org | info@icba.org | 866-422-8439 Sources: FDIC Call Report, FDIC Summary of Deposits, Census Geocoder. Branch and financial data are current as of 4/7/2022 and updated yearly. COMMUNITY...

Jul 31, 2025

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Idaho

icba.org | info@icba.org | 866-422-8439 Sources: FDIC Call Report, FDIC Summary of Deposits, Census Geocoder. Branch and financial data are current as of 12/13/2024 and updated yearly. EV T_ 24...

Jul 30, 2025

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iptv-service-provider-premium-50.pdf

Download Iptv Smarters Pro Best Player For 4k Iptv Streams --Q2@q date:19/01/2026 https://iptvbestprovider.org/ https://iptvbestprovider.org/...

Jan 16, 2026

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cl110716

http://www.regulations.gov. November 7, 2016 Ms. Monica Jackson Office of the Executive Secretary Consumer Financial Protection Bureau 1700 G Street, NW Washington, DC 20552 ...

Aug 1, 2025

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Florida-8

icba.org | info@icba.org | 866-422-8439 Sources: FDIC Call Report, FDIC Summary of Deposits, Census Geocoder. Branch and financial data are current as of 4/7/2022 and updated yearly. COMMUNITY...

Jul 31, 2025

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ILC Loophole Letter 1-28-26.pdf

Jan 28, 2026 The Honorable John Kennedy United States Senate U.S. Senate Committee on Banking, Housing, and Urban Affairs 437 Russell Senate Office Building Washington, D.C. 20510 ...

Jan 28, 2026

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Letter Responding to RFI on Consumer Data Privacy

August 28, 2025 The Honorable French Hill The Honorable Andy Barr Chairman Chairman Committee on Financial Services Subcommittee on Financial Institutions U.S. House of...

Sep 17, 2025

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ICBA Response to FLEC Strategy RFI.pdf

March 27, 2026 Tanya McInnis, Deputy Director Office of Consumer Policy U.S. Department of the Treasury 1500 Pennsylvania Avenue, NW Washington, D.C. 20220 Re: Request for Information...

Mar 27, 2026

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Capital Summit Lobby Card

ICBA Legislative Priorities 2026 Community banks are locally based and relationship-focused institutions serving the unique needs of their customers. With a time-tested business model of ...

Apr 13, 2026

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FDICIA What to Expect

What to Expect When Your Bank Reaches Either $500 Million or $1 Billion in Assets By David Heneke, Joshua Juergensen, & Liz Rider, CliftonLarsonAllen The banking industry continues to...

Jul 31, 2025

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2017 ICBA LIVE! Convention

Welcome to the IcBA communIty BAnkIng lIVe! The ICBA’s annual National Convention, Community Banking LIVE, is the largest community banking convention in the country and devoted solely to the...

Aug 1, 2025

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North Dakota

icba.org | info@icba.org | 866-422-8439 Sources: FDIC Call Report, FDIC Summary of Deposits, Census Geocoder. Branch and financial data are current as of 12/13/2024 and updated yearly. EV T_ 24...

Jul 30, 2025

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Alabama-1

icba.org | info@icba.org | 866-422-8439 Sources: FDIC Call Report, FDIC Summary of Deposits, Census Geocoder. Branch and financial data are current as of 4/7/2022 and updated yearly. COMMUNITY...

Jul 31, 2025

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ltr121814

By electronic delivery Federal Docket Management System Office 4800 Mark Center Drive 2nd Floor East Tower, Suite 02G09 Alexandria, VA 22350-3100 Proposed changes to the Military Lending...

Aug 1, 2025

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iptv-service-provider-premium-150.pdf

Smart IPTV Setup Guide For LG And Samsung TVs --F7@s date:19/01/2026 https://iptvbestprovider.org/ https://iptvbestprovider.org/ https://iptvbestprovider.org/ ...

Jan 16, 2026

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2024 Certification News - Q1

How I Work with Guadalupe Arroyo Guadalupe Arroyo is the Senior Auditor/ AVP of Western State Bank in Garden City, Kansas. Q. Tell us your background/ how you got here. A. I have been in...

Aug 7, 2025

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Alaska-at-Large

icba.org | info@icba.org | 866-422-8439 Sources: FDIC Call Report, FDIC Summary of Deposits, Census Geocoder. Branch and financial data are current as of 4/7/2022 and updated yearly. COMMUNITY...

Jul 31, 2025

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Washington

icba.org | info@icba.org | 866-422-8439 ADV_2687A26 Sources: FFIEC 2025 Q4 Call Reports, NCUA 2025 Q4 Call Reports, FDIC Statement of Deposits Reports, Tax Foundation, Kaiser Family Foundation, ...

May 13, 2026

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ltr011014

January 10, 2014 The Honorable Mark Kirk The Honorable Mike Crapo United States Senate Ranking Member Washington, D.C. 20510 Committee on Banking United States Senate ...

Aug 1, 2025

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GA-12

icba.org | info@icba.org | 866-422-8439 Sources: FDIC Call Report, FDIC Summary of Deposits, Census Geocoder. Branch and financial data are current as of 12/31/2025 and updated yearly. A D V_ 26...

Apr 15, 2026

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ICBA Principles for GSE Reform

ICBA Principles for GSE Reform and a Way Forward www.icba.org page 1 In September 2008, the Federal Housing Finance Agency (FHFA) and the Treasury Department placed Fannie Mae and Freddie...

Aug 1, 2025

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New York-19

icba.org | info@icba.org | 866-422-8439 Sources: FDIC Call Report, FDIC Summary of Deposits, Census Geocoder. Branch and financial data are current as of 4/7/2022 and updated yearly. COMMUNITY...

Jul 31, 2025

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Financing Resilient Agriculture Report 1_Part3

30Environmental Defense Fund / edf.org On the other hand, there are market opportunities for lenders who engage with their farmer clients who are interested in resilient practices and seek to...

Jul 31, 2025

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test072313

Testimony of Jack Hartings President and CEO Of The Peoples Bank Co. Coldwater, OH On behalf of the Independent Community Bankers of America Before the United States...

Aug 1, 2025

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Coalition Letter Regarding Guzman Nomination to SBA

January 15, 2021 The Honorable Marco Rubio The Honorable Ben Cardin Chairman Ranking Member Committee on Small Business Committee on Small Business & Entrepreneurship &...

Jul 31, 2025

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Certification News, Summer Q3

Marcy Bergman is Executive Vice President and Compliance Officer at Northeast Security Bank in Iowa. Q. Tell us your background/how you got here. A. I began my banking career with Northeast...

Jul 31, 2025

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Bulletin UPDATE 03 - Missing Payments Issue 01.23.2025

Bulletin ID: 015758 Topic Type: Issue Ticket: N/A Solutions: BASE2000, Payments One Credit (P1C), TBS - Credit What you need to know As communicated earlier, FIS® has identified...

Aug 7, 2025

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ICBA Letter Supporting the Repeal 1071 to Protect Small Business Lending Act

February 7, 2025 The Honorable Roger Williams Chairman Committee on Small Business U.S. House of Representatives Washington, D.C. 20515 Dear Chairman Williams: On behalf of...

Jul 30, 2025

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Letter of Support for Senate SBA Direct Lending Bill

December 14, 2021 The Honorable Tim Scott United States Senate Washington, D.C. 20510 Dear Senator Scott: On behalf of ICBA and the nearly 50,000 community bank locations we...

Jul 31, 2025

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Comments on FHFA Climate Risk Management RFI

April 19, 2021 Dr. Mark Calabria Director Federal Housing Finance Agency 400 7th St. SW 10th Floor Washington, DC 20219 RE: Request for Input; Climate and Natural Disaster...

Jul 31, 2025

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ICBA Interchange Guide

Interchange Guide February 2026 icba.org | 2 How community bankers can answer small-business customer questions about interchange. With community bank small-business customers occasionally...

Feb 19, 2026

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19.06.19_ECORASenate

June 19, 2019 The Honorable Pat Roberts United States Senate Washington, D.C. 20510 Dear Senator Roberts: On behalf of community banks across the country, with more than 52,000...

Aug 1, 2025

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New Hampshire

Sources: FDIC Call Report, FDIC Summary of Deposits, Census Geocoder. Branch and financial data are current as of 12/31/2025 and updated yearly. A D V_ 26 72 A 26 icba.org | info@icba.org |...

Apr 15, 2026

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Indiana

icba.org | info@icba.org | 866-422-8439 Sources: FDIC Call Report, FDIC Summary of Deposits, Census Geocoder. Branch and financial data are current as of 12/13/2024 and updated yearly. EV T_ 24...

Jul 30, 2025