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

It always amazes me how many legislators really don’t understand banking. Sure, many have checking and savings accounts, direct deposit, a car loan and a mortgage, but most have no idea how many laws and regulatory hoops banks have to jump through. That’s why every year, we have to look at and update the Missouri banking code.

There are good reasons to expect that mergers and acquisitions activity for privately held businesses will increase in 2025 and the following years. Private equity firms are adjusting to the new normal of higher rates for longer. They need to deploy capital to achieve sufficient returns for their investors. Further, business owners belonging to the baby boomer generation will continue to retire. If the next generation in the family doesn’t want to take over the business, the retiring owners look to sell the company. All of this means banks who finance businesses are more likely to be involved in the purchases and sales of those businesses.

$123,405,404. That was the number reported to the Internet Crime Complaint Center (IC3) for total dollar losses to fraud in the state of Missouri in 2023. According to the FBI, they believe only 1 in 44 incidents are reported. If we multiply the reported number by 44, the actual losses exceed $5 billion. That is an astronomical figure to consider!

Casey Hopkins was born in St. Charles, Missouri, and raised in Troy, a small town about 30 miles north of St. Charles. Growing up in a rural town where everyone knows one another fostered a strong sense of commitment and community. Both of his parents were lifelong educators — his mother was a kindergarten teacher, and his father taught high school and coached basketball. They instilled in him a strong work ethic, a commitment to family and community, and a love of sports and learning.

While advocacy has always been a core ICBA pillar, the massive number of new regulations we have faced over the past year serves as a stark reminder of the importance of community bankers taking part in advocacy efforts.