2025 Pub. 5 Issue 1

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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 Midwest Independent BankersBank (573) 636-9555mibanc.com QwickRate (800) 285-8626www.qwickrate.com/qrweb/XSP/home/home.xsp SHAZAM (972) 765-2759www.shazam.net

In the banking industry, technology has evolved, customer expectations have grown, and competition seems to pop up on a new corner every month. Now more than ever, financial institutions take comfort in the steady, meticulous, proven products and services that have earned FIPCO (Financial Institution Products Corporation®) its reputation as a trusted leader in form sets, credit and deposit software suites, staff training and compliance management.

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.

Mid America Bank is pleased to announce Amber Cope has been hired as branch manager of its Osage Beach Branch. In this role, Cope will be responsible for overseeing the daily operations and sales function of the branch. She will lead the branch in making sales calls, conducting training, processing transactions and setting up new accounts.

U.S. banks are in good condition with solid earnings, sound asset quality and regulatory capital levels above required minimums. This assessment comes from the Federal Reserve Board of Governors in its semiannual Supervision and Regulation Report published in November. The report covers banking system conditions in the first half of 2024, as well as regulatory and supervisory developments for the institutions under the Fed’s supervisory umbrella.

Most representatives of the broker‑dealer industry have been suggesting to their customers, especially community banks, that their collection of bonds could be situated to perform pretty well in 2025. You can be forgiven for rolling your eyes if you’ve heard this. And I get it: Persistently stubborn inflation forced the Federal Reserve to hike rates and now to keep them elevated for the foreseeable future. This, of course, has kept the market values of your portfolio depressed for going on three years now.

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