OFFICIAL PUBLICATION OF THE MISSOURI INDEPENDENT BANKERS ASSOCIATION

March 27, 2026

Financial Education; A confident businessman in a suit converses with a smiling couple across a table in a bright office. Papers lie on the table, indicating a discussion.

Financial Education

Community Banking’s Quiet Advantage

Community banks have always played a role in financial education, even if they haven’t always labeled it that way. Having spent more than a decade working inside community banks, I’ve seen it show up in countless everyday moments — conversations at the teller line, discussions in lenders’ offices and meetings across desks where real financial decisions are being made.

Financial Education

Community Banking’s Quiet Advantage

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A closeup of a capital building's dome with an American flag waving next to it.

2026 PAC Honor Roll

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

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Meet Your Missouri Banker: Cynthia Ramsey; Woman with long gray hair wearing a beige blazer and dark top, smiles softly against a gray background. The tone is professional and approachable.

Meet Your Missouri Banker: Cynthia Ramsey

Senior Vice President, Marketing & Business Development, Progressive Ozark Bank

Where are your main bank and branches located? What is the market like? We have six branches across three counties in south central Missouri, with our main branch located in Salem. Our markets are rural towns with populations around 5,000 or less and strong agriculture concentrations, specifically cattle and timber. What is something unique about

Meet Your Missouri Banker: Cynthia Ramsey

Senior Vice President, Marketing & Business Development, Progressive Ozark Bank

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Background On BCC; Two people are smiling in front of a reddish-brown brick wall. The woman wears a dark purple jacket, and the man wears a dark suit with a white shirt.

Background On BCC

A Conversation with Founders & Principals, Kathy Smith and Kelly Earls, JD, MBA, CPA

Tell me about yourself and your background in the banking industry. KATHY: I’ve been in business for 46 years, with more than three decades focused specifically on the banking industry. I started my career in insurance right out of college, and I “stumbled” into banking through estate planning work with community banks. What began as

Background On BCC

A Conversation with Founders & Principals, Kathy Smith and Kelly Earls, JD, MBA, CPA

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Flourish Community Banking Strategy for Growth; A plant in a white pot is shaped like an upward zigzag arrow, symbolizing growth and progress. The image conveys optimism and potential.

Flourish: Community Banking Strategy for Growth

As financial services continue to shift, community banks are positioned to be the anchors for the industry, supporting our customers and communities with a resiliency that transcends the environment. By continuing to lean into the personal relationships we build, we differentiate ourselves and bring immense value to those we serve.

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