October 1, 2024

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Bank Compensation Consulting(972) 781-2020bcc-usa.com Bankers Security Inc.(816) 358-0883bankerssecurity.com Community Banker Visa(800) 675-6284www.miba.net/community-banker-visa.html First Bankers’ Banc Securities Inc.(314) 835-4908fbbsinc.com Flat Branch Mortgage Services(314) 808-3918flatbranchhomeloans.com forbinfi(319) 274-8492www.forbinfi.com ICBA(202) 659-8111www.icba.org ICBA Securities(901) 762-5510www.icba.org/icba-securities JMARK Business Solutions Inc.(417) 863-1700www.jmark.com KASASA(512) 418-9590www.kasasa.com Midwest Independent BankersBank(573) 636-9555mibanc.com QwickRate(800) 285-8626www.qwickrate.com/qrweb/XSP/home/home.xsp SHAZAM(972) 765-2759www.shazam.net TIG Advisors(573) 875-4800tigadvisors.com

Associate Members Prager CreativeBen Prager, Creative Director & FounderNew York, New Yorkpragercreative.com MaxwellPatrick Benoist, Regional Sales ManagerDenver, Coloradohimaxwell.com NuSourceCody Kempt, Director of Business DevelopmentEden Prairie, Minnesotawww.nusource.com Copeland Development & Construction Co. Inc.David Copeland, PresidentChillicothe, Missouriwww.copelanddevelopment.com IT SolutionsBrad Goetsch, Account ExecutiveKansas City, Missouriwww.itsolutions-inc.com Vantage Point SolutionsNatalie Reed, Director of Banking DivisionMitchell, South Dakotavantagepnt.com Stratman SolutionsAnn Bailey,

Contributors to the MIBA Political Action Committee are recognized for their generosity on the Association’s website and at the MIBA Annual Convention and Exhibition. Different levels of contribution have been set to recognize supporters of our Political Action Committee fund and to make the Association’s membership more aware of this important facet of our work on behalf of the political agenda of community banks across Missouri.

Forvis Mazars is proud to jointly present the Community Impact Award with the Missouri Independent Bankers Association for the 18th year in a row.

Have you ever thought about what you may be doing to secure our world? Think about it. As technology advances, what are you doing to protect yourself from online threat actors and malicious ransomware attacks?

I don’t know about you, but I’ve always looked forward to the early days of autumn. I’m of a certain vintage who remembers when September and October ushered in a break from summer heat (which seems to be later in the calendar these days), and there was a certain excitement around the back-to-school activities. Football fans eagerly await gridiron season, which is now in full swing, and baseball playoffs make their return.

A well-designed and user‑friendly website not only captivates visitors but also drives conversions and builds credibility. If you’re looking to take your online presence to the next level, forbinfi has got the solution for you! We specialize in creating newly designed websites for community banks and credit unions and have worked with over 100 financial institutions offering custom, compliant website solutions.

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Where are your main bank and branches located? What is the market like?
BTC Bank is headquartered out of Bethany, Missouri, and currently has 23 locations across Missouri and Iowa. I currently work out of our Southern Region, with my home market being Pettis County. With the exception of our Columbia Branch, BTC Bank serves rural agriculture communities.

Financing unique assets such as aircraft, artwork and other specialized collateral requires a tailored lending approach. Lenders’ counsel should consider the specific characteristics and risks associated with each asset class. These assets, due to their high value, lack of liquidity and market-specific risks, necessitate specialized financing arrangements to secure the loans.

The Missouri Primary Election is over, and we now have a better idea of the players for the November Election.

When I’m asked about necessary skill sets for community banking, I talk about problem‑solving and a passion for helping people. But when people question what it takes to be a community bank leader, a single word comes to mind: tenacity — which is just a nice way of saying stubborn.

They say imitation is the greatest form of flattery, but when it comes to financial services, it doesn’t make for a fair banking environment. Just look at credit unions, trying to position themselves as “community” organizations without having to demonstrate that they meet Community Reinvestment Act requirements. Or Industrial Loan Companies, with holding companies not

Matthew S. Ruge, executive director of the Missouri Independent Bankers Association (MIBA), the state’s premier banking association exclusively representing over 130 independently-owned community banks state-wide, announced the election of the group’s new officers for the 2024-2025 term of office: