OFFICIAL PUBLICATION OF THE MISSOURI INDEPENDENT BANKERS ASSOCIATION

August 4, 2025

MIBA’s Endorsed Vendors Are Ready to Help You Go Further

Bank Compensation Consulting Kelly Earls(972) 781-2020 BOLI, non-qualified benefits plan and incentives plan Bankers Security Inc. Mark Thatcher(816) 358-0883 Security services specialized for banks Community Banker Visa Bank Card Center(800) 675-6284 Benefits and bonus points for bank officers, directors and employees First Bankers’ Banc Securities Inc. A.W. Spellmeyer(888) 726-2880 Banking, finance and investment management  Flat

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Welcome New Associate Members

5th Meridian (866) 420-8646 | 5thmeridiangroup.com 5th Meridian Group is a Missouri-based, Service-disabled, Veteran-Owned firm providing armed security, cash logistics and secure transportation for banks and government clients. They specialize in ATM servicing, armored transport, Federal Reserve deliveries and risk-smart operations — backed by public safety and military leadership. Empyrean Solutions (617) 415-7718 | empyreansolutions.com Empyrean Solutions is a

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Whole Lotta Thinkin’ Going On

Fed’s Forward Guidance Reflects Uncertainty

I hope the readers of this column will excuse the lack of decorum in the title, but 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 regional presidents of our central bank. If they were asked individually for their druthers, I suspect they’d prefer an economic, fiscal and geopolitical backdrop that had less drama. Not to mention an inflation track that would get back to its elusive 2% target.

Whole Lotta Thinkin’ Going On

Fed’s Forward Guidance Reflects Uncertainty

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A Conversation with Bart Stanley

Missouri Division of Finance Deputy Commissioner

In June, Bart Stanley was promoted to the role of Missouri Division of Finance Deputy Commissioner by Commissioner Mick Campbell. Bart has served as chief examiner since July 2022 and has over 34 years of bank regulatory experience, including the last 24 years with the Division of Finance.  We recently had the chance to sit

A Conversation with Bart Stanley

Missouri Division of Finance Deputy Commissioner

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Legal Eagle Spotlight: The Banking Industry Embraces the Digital Age

The year began with an Executive Order, “Strengthening American Leadership in Digital Financial Technology,” that stated the Trump Administration’s policy to establish the U.S. as a global leader in the responsible growth and innovation of digital assets and related blockchain technologies. As to the banking industry, the Trump Administration’s approach has focused on finding ways to allow the industry to not only service the growing digital ecosystem but also actively participate in its development. In turn, the federal banking regulators have undergone a rapid and significant sea change in approach to the regulatory guidance on the U.S. banking industry’s engagement with digital assets.

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Meet Your Missouri Banker: Rebecca Mullen

AVP/CO & BSA Officer, Branson Bank

Branson Bank recently celebrated 25 years of service to the community. Our associates work hard to build relationships with our customers, and we encourage them to participate in community events. We even allow paid time each year for associates to get involved and serve.

Meet Your Missouri Banker: Rebecca Mullen

AVP/CO & BSA Officer, Branson Bank

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President’s Message: My Final Thoughts as President

I’ve been thinking about bank operations a lot lately. The term “bank operations” is a widely encompassing phrase that, depending on each individual financial institution’s practice, could cover a small area, i.e. only bookkeeping, or an entire backroom or non-customer-facing function. Deposit operations could include not only bookkeeping but also the management of the entire core deposit function: online banking, mobile and remote deposit, debit cards, ITM/ATM, electronic or digital banking, treasury management or business banking. The lending operation’s function also varies depending on the individual bank’s needs.

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