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OFFICIAL PUBLICATION OF THE MISSOURI INDEPENDENT BANKERS ASSOCIATION

2025 Pub. 5 Issue 3

2025 Scholarship Winners

The MIBA scholarship program continues to generate enthusiasm among MIBA member banks. It is designed to meet the financial needs of community bank employees/dependents, rather than to recognize scholastic achievement. We feel this award opportunity is a valuable addition to our member banks’ employees in furthering their education, either in the field of banking or

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Legal Eagle Spotlight: Lenders’ Rights in Single Asset Real Estate Cases

Lenders frequently provide financing for borrowers who are single asset entities. Often, those entities exist to (1) hold title to real estate that is the collateral for the underlying loan, and (2) collect income generated from that collateral. In bankruptcy, these entities are designated as single asset real estate (SARE) debtors.

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Meet Your Missouri Banker: Derek Hoehns

Loan, Compliance and BSA Officer, The Citizens-Farmers Bank

Where is your main bank and branches located? What is the market like? Our main bank and drive-up facility are in Cole Camp, Missouri. We also have a branch in Stover. We have a varied market including but not limited to agriculture, commercial, residential, vehicle and personal unsecured loans. We are located in a rural

Meet Your Missouri Banker: Derek Hoehns

Loan, Compliance and BSA Officer, The Citizens-Farmers Bank

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