OFFICIAL PUBLICATION OF THE MISSOURI INDEPENDENT BANKERS ASSOCIATION

July 24, 2024

Leadership at All Levels: Make Space for Creativity

Out of all the qualities that make a great leader, it could be argued that creativity ranks highest. It’s an essential tool in the workplace that can help with problem solving or change management and projects that aren’t headed in the intended direction. Creative leaders are actively experimental and encourage experimentation within their teams. They

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Innovation Station: Setting the Stage for Banking the Next Generation

In recent years, community bankers have embraced constant change to drive the future of banking. As you follow your innovation journeys, you are also leaning into a cycle of continuous improvement: hiring, recruiting, building products and offering solutions on an ongoing basis. The start-and-stop approach of the past has given way to an approach that’s

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Legal Eagle Spotlight: Intercreditor and Subordination Agreements

Key Elements Bankers Should Consider

Subordination agreements and intercreditor agreements are often utilized to establish priority and rights when two or more lenders have liens in the same borrower’s collateral. Although these agreements are referenced interchangeably, a subordination agreement is an agreement between two or more lenders to address priority in specific liens and repayment priority, while an intercreditor agreement

Legal Eagle Spotlight: Intercreditor and Subordination Agreements

Key Elements Bankers Should Consider

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Meet Your Missouri Banker: Andrea Hayes

VP, Branch Manager, Farmers & Merchants Bank

Where is your main bank and branches located? What is the market like?Our main office is in Saint Clair, and we have locations in High Ridge, Eureka and Lonedell. What is something unique about your bank?FMB is a community bank that has been independently owned for over 110 years. FMB is like “Cheers,” the TV

Meet Your Missouri Banker: Andrea Hayes

VP, Branch Manager, Farmers & Merchants Bank

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A View From the Capitol: Corn, Wheat and Now Your Retirement Plan

During the Cold War, most Americans would be alarmed if they discovered their everyday purchases and government-backed retirement funds were financing the Soviet’s military, its strategic initiatives and even providing employment opportunities. Unfortunately, most policymakers in Washington, D.C., and business leaders across the country fail to apply this same logic against the Chinese Communist Party.

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From the Top: Showing Pride in Independence

We need to hold onto our independence at all costs. At the same time, we must continue to look for opportunities to level the playing field. Coming off the recent holiday in July, I find myself reflecting more about independence. This nation was founded by rabble-rousers looking to do things differently, and that’s exactly who

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