2025 Pub. 5 Issue 2

Bank Compensation Consulting (972) 781-2020bcc-usa.com Bankers Security Inc. (816) 358-0883bankerssecurity.com Community Banker Visa (800) 675-6284communitybanker.mylocalbankcard.com First Bankers’ Banc Securities Inc. (314) 835-4908fbbsinc.com Flat Branch Mortgage Services (314) 808-3918www.flatbranchms.com forbinfi (319) 274-8492www.forbinfi.com ICBA (202) 659-8111www.icba.org ICBA Securities (901) 262-1353www.icbasecurities.com JMARK Business Solutions Inc. (417) 863-1700www.jmark.com Midwest Independent BankersBank (573) 636-9555mibanc.com SHAZAM (972) 765-2759www.shazam.net TIG Advisors (573)

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.

First State Community Bank Promotes Joe Miller First State Community Bank (FSCB) is proud to announce the promotion of Joe Miller to president of FSCB.  Joe has nine years of banking experience with FSCB as a market president for the Central Missouri market and transitioned to a regional president with responsibilities over the Marshall, Boonville,

For agricultural lenders, understanding emerging issues in farm finance is critical to serving clients effectively.

The Treasury yield curve is a critical financial indicator that depicts the relationship between interest rates and the maturity dates of U.S. government debt. Typically, the yield curve slopes upward, reflecting higher yields for long-term securities compared to short-term ones. This essay explores how the shape of the Treasury yield curve affects community banks, focusing on their lending practices, interest rate risk management, and overall financial health.

Our main branch is located in Rothville, Missouri, with branches located in Brookfield, Marceline, Lee’s Summit and Napoleon, Missouri. I live and work in Brookfield. We are a small community, so our market is competitive with four other banks in town.

Thank You to Our Leadership Division Sponsors