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What are the key marketing issues keeping your community bank from advancing in 2024 and beyond? Swimming in a mountain of data with no clear path forward? Searching for ways to stand out from competitors?
Family businesses have unique strengths, challenges, and needs. Talking with others in similar situations can be helpful in navigating family business issues. Join fellow community bankers and talk “peer-to-peer” about your questions including succession, governance, financial health, legacy goals, strategy, and more.
Currently, a significant majority of the deposits held by community financial institutions originate from older individuals, accounting for approximately 75%.
Micronotes, an alumni of ICBA ThinkTech, shares their invaluable learnings derived from effectively managing vast volumes of data, employing sophisticated algorithms, and leveraging diverse marketing channels tailored for community banks.
Fraud is rapidly advancing, keeping pace with the advancements in payment systems. In fact, some argue that fraud is progressing at an even more accelerated rate. A new generation of fraudsters has emerged, possessing greater knowledge and coordination than ever before.
Following the regional bank failures that occurred in 2023, community banks confront significant challenges related to maintaining liquidity, mitigating higher funding costs, and combatting margin compression.
In this ever-changing financial landscape, effectively managing the exposure of balance sheets to liquidity, interest rate fluctuation, and credit risks is of utmost importance.
As interest rates soared to generational highs last year, community banks maintained their strong profitability. However, if the trend of higher rates continues, what implications does it hold for the near future?
During periods of economic uncertainty and slower loan growth, businesses tend to adopt a more risk-averse approach to their strategies. However, this is the perfect time to introduce modifications and enhance lending processes.
Effective succession planning is essential for the long-term success and sustainability of community banks. Expand your expertise regarding succession planning and discover the essential measures required to establish and successfully implement a triumphant succession plan within your organization.
Political subdivisions, such as cities, counties, school districts, and other government entities, can be a valuable source of deposits for banks. They typically have a steady stream of income, and they are required by law to maintain a certain level of liquidity.
The market has spoken, and the Fed has signaled a pivot. At least for now. The recent bond market rally and expected 2024 Fed cuts mean that the peak in deposit competition for this cycle is likely behind us. Now the question is, what lies ahead on the other side? The yield curve remains inverted and margin pressure is not going away in the short run. In fact, deposit rates lag on the way down just as they do on the way up. What will be your plan?
Community banks are searching for ways to increase core deposits and non-interest fee income. Treasury Management is the answer. By delving deeper into various Treasury Management services, you can provide added value to your business clients and prioritize the value they receive over features.
Community banks have long been advised that open banking is crucial for their survival. However, the information about how to actually implement open banking is frequently overlooked.
Community banks are currently grappling with the task of navigating the ever-evolving landscape of information security and cybersecurity. The level of sophistication in cyber-attacks is on the rise, and as technology continues to advance, community banking is also undergoing significant changes.
Leading market research firm, Avannis compiles two types of research: the "Best Community Bank to Work For" study sponsored by Independent Banker, and customized climate research for ICBA banks.
In today's digital age, where financial transactions have become increasingly convenient and quick, it is crucial to be aware of the various fraudulent schemes that can compromise the integrity of check transactions.
To achieve substantial growth in deposits, the most effective approach is to tap into the impactful and memorable customer experiences of your business development team. By leveraging these stories and relationships, you can build trust and attract more business, which in turn leads to the creation of additional relationships and stories that can be utilized to reach an even wider customer base.
In today's rapidly evolving digital landscape, community banks face increasing challenges in mitigating the risks of fraud and cyber-attacks. Traditional compliance standards alone are no longer sufficient in safeguarding against cyber threats.
A strong data strategy is crucial for any modern business, especially in the banking sector. It allows organizations to harness the power of data to make informed decisions, facilitate daily operations, and even drive strategic acquisitions.
Community bank staff must carry-out numerous processes and procedures that involve repetition, review, approval, and communication. By incorporating intelligent automation into these workflows, the occurrence of errors and unnecessary auditor discoveries can be significantly reduced.
USDA projects net farm income down, tighter margins and lower government payments. Combined with potential weather issues and stiff competition from Brazil and other countries, and global unrest, there will be significant challenges for ag lenders.
The potential impact of powerful economic forces on the prosperity of your farm and ranch customers cannot be underestimated.
Hundreds of bankers in the agricultural industry are turning to Farmer Mac's strategies and financial tools to navigate the current landscape of intense competition in the agriculture sector, marked by significantly higher interest rates and inflation.
CEO succession is a paramount duty for bank boards. It is imperative that community banks prioritize and proactively plan for this significant responsibility to safeguard their future.
In the fast-paced financial environment of today, it is crucial for bank boards and owners to possess effective strategies to provide liquidity to shareholders and maintain independence in order to avoid a forced sale.
The Inflation Reduction Act tax credits, along with upcoming changes to tax rates, the possible elimination of 199A, the Employee Retention Tax Credit (ERTC), and the question of whether banks should be structured as S corporations or C corporations are all topics of great importance in the world of taxation.
Community banks face numerous challenges that require a deep understanding of corporate governance best practices. Enhance your operational efficiency, mitigate risks, and achieve long-term sustainability with discussions of the most effective strategies for corporate governance and delve into the crucial aspects of risk measurement, management information systems, and incentive compensation.
In today's economic climate, where funding sources are scarce and valuable, financial institutions find themselves facing the challenge of making the right decisions when it comes to their lending strategies and credit portfolios.
The final rule on Community Reinvestment Act (CRA) Modernization brings about significant changes that will influence your bank's operations. It is crucial to understand both the positive and negative implications this rule will have and prepare your institution accordingly. Explore the key effects of the CRA Modernization rule and provide guidance on navigating these changes effectively.
Community banks play a vital role in the financial landscape, providing personalized services and contributing to the growth of local economies. Recognizing the importance of these institutions, Jeff Gerrish and Philip Smith have emerged as long-time advocates for community banks.
During this session, we will cover: National increase in ATM losses – What banks can do to mitigate damages. Fraudulent Instructions / Social Engineering – What every bank needs to know. Forgery – Crooks are going old school and physically stealing checks – What can we do?
How new deposit insurance assessment increases, capital and liquidity requirements, corporate governance requirements, and guidance on CRE concentrations will impact your exam porcess, your capital, and in general, safety and soundness regulation and supervision. Chris Cole will moderate a panel discussion with representatives from the OCC, the Federal Reserve and the FDIC.
This presentation will highlight how generative AI, like ChatGPT, is revolutionizing content creation and business decisions. It covers practical applications, addresses concerns, and urges banks to embrace generative AI as a competitive advantage.
Although digital transformation is a key focus in community banking, the significance of establishing the proper infrastructure to drive success is often overlooked. We’ll explore how best to structure your bank to develop a culture of innovation.
We often hear buzzwords and phrases like product innovation, product development, or product relevance. But are their different products today versus one, or two generations ago? Checking, savings, CDs, etc.? This session focuses on the importance of building a product management culture within your financial institution where product development is not only focused on meeting customer demand, but also the continuous profit improvement of whatever product you are managing.
Every bank has three assets they should be managing…employees, relationships, and the bank’s brand. These are the essential ingredients needed to attract and retain customers. How banks view these essential assets will influence how they address emerging opportunities and challenges. Management teams and leaders need to know how to introduce change, integrate new policies, and enhance procedures, while preserving culture and community reputation. What will it take to succeed in a changing banking industry? Some of the answers are already part of your established culture. Others will need to be examined and introduced. Plan to learn about unifying your teams, leveraging your internal support, and delivering exceptional customer experiences. Focus on your essential assets if you want to outperform your competitors.
Given the current interest rate environment, more attention is being placed on models being used by banks for a variety of reasons such as CECL, Asset Liability Management, etc. Model validations and third-party risk assessments are critical to ensure models are behaving as management expects and provide useful information for decision making. This session will cover the critical elements of a model validation and third-party risk assessment, to provide management teams with the tools necessary to effectively evaluate the models in use within their institution.
Congress is writing a new farm bill with significantly higher budget costs and the potential to impact ag customers for the next five years. Nutrition, commodity programs, crop insurance, loan programs and environmental and other policies will likely receive adjustments. Get an update on the status of this important bill and policy changes that will impact producers’ business decisions. Review major trends in financial and economic forces that will impact family farmers and ranchers.
USDA’s guaranteed farm loan programs are an essential tool for banks seeking to assist farm and ranch customers who have difficulty qualifying for commercial credit. However, bankers have raised questions regarding different procedures and lag times among county offices in approving applications. USDA officials will discuss their plans to improve the delivery of loans addressing consistency and turnaround time.
Today’s banks understand the importance of optimizing their digital capabilities. From streamlined digital applications, to fast, automated AI-powered loan decisions, consumers expect seamless experiences every step of the way. And while consumer-facing innovation often outpaces back-office updates, both are required for your institution to thrive in the coming years.
This Learning Lab is designed to introduce community bankers to the transformative potential of Artificial Intelligence (AI) in their sector. The agenda is structured to provide an understanding of AI technologies, their practical applications in community banking, and strategies for implementation.
This session is focused on the top regulatory priorities that banks need to address in the current financial landscape. The session aims to provide insights into the changing regulatory landscape and the importance of compliance in ensuring stability and trust in the banking sectors in 2024.
Community bank directors have many responsibilities and obligations to the institution, and these demands continue to grow. One of the most challenging responsibilities is ensuring their bank maintains a strong regulatory compliance system and achieves compliance with applicable laws and regulations. This is particularly challenging for outside directors in other professions with limited experience and knowledge in bank compliance matters. For these reasons, when their banks are confronted with compliance violations, directors are often left asking whether the regulatory agencies really expect them to know the underlying regulatory requirements and expectations. This discussion will focus on the current regulatory environment and how community bank directors (particularly outside directors) can reasonably obtain the necessary knowledge to fulfill their regulatory obligations and make sure their bank stays in good regulatory standing.
Join our conversation around how your bank's marketing efforts can best leverage the community banking difference with millennials in your local community and grow your customer accounts.
Data is abundant in banking, but finding effective ways to access and use it has become a significant challenge. Better data can lead to better insights, and better insights will lead to better decisions. Leveraging available data resources often presents a challenge for bank managers. An inability to integrate multiple systems or budget restrictions may make the solution appear unobtainable. Don’t let those challenges limit your data management. Use what you have. This session examines data that can be collected from primary and secondary sources to help attract and retain customers, manage employee engagement, and improve operating efficiencies. There are current levels of information every bank can capture and use to enhance performance. Join us to hear about five Impactful data sources that you can begin using Immediately at your bank.
Today , the acceleration to become completely digital, new market entrants and shifting consumer banking behaviors are changing the rules of the game for financial institutions. As you continue to modernize and thrive in your environment, FIS is right there with you from start to finish-ensuring you are remaining competitive in your industry and future-proofing your business. Focus on guiding you down the path of digital transformation to a modern core. Hear how you can develop a modernization plan to streamline your systems as an opportunity for extensive digital transformation. Your journey doesn't end there-join session The Road to Instant Payments and hear how you can continue to evolve.
At FIS we understand that each institution is unique. We will explore how the instant payment ecosystem is evolving in the US, a look at what exists today,m discuss key trends, and the way for banks to orient themselves for success. Increased market speed, greater business agility and competitive advantage.
How to create and optimize a small business or commercial card program to maximize your revenue growth.
Many community banks have a goal of remaining both relevant and independent. While both are appropriate strategic objectives, neither are achieved passively. Instead, both relevance and independence must be actively pursued. This informative and to-the-point session will present five key strategies to remaining relevant and independent as a community bank.
Today financial services organizations, large and small, are at an inflection point in how best to derive value from AI and Hybrid Cloud and to do it responsibly and with trust. There are unique concerns for the financial sector that must be considered, particulary around data. Learn how AI paired with IBM Cloud for Financial Services can fuel tremendous business innovations while managing risk mitigation, security and compliance requirements along with driving operational resilience.
Staying relevant and increasing your share of wallet in today’s challenging economy is crucial to your bank’s success. In a crowded marketplace, using your bank’s unique identity to stand out and build relationships with your customers and prospects can give you an edge over other community, regional, and national banks in your market. Learn how discovering your bank’s individuality is the foundation of the differentiation of your bank’s brand.
A moderated panel of federal regulators will answer audience questions regarding consumer protection rules and compliance. This session is an excellent opportunity to hear directly from the regulators on what they deem are hot topics, areas to focus on, and what to expect over the next year. Additionally, hear about the latest enforcement actions and the primary issues that the agencies are finding in compliance examinations.
A roundtable discussion of the unique issues concerning mutual and thrift institutions, including regulations that recently became effective that could impact these institutions. Various corporate governance and depositor issues concerning mutual and thrift institutions will also be discussed.
Join fellow community bankers in roundtable discussions where you can ask questions and discuss topics that are important to you. Each table is moderated by industry experts and organized by bank asset size.
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Learn new strategies and tactics to give your bank the competitive advantage when recruiting, retaining, and rewarding employees. Plus, ensure that employment related practices, policies, and procedures are compliant and reflect industry best practices.
Designed to keep you up-to-date on supervisory, regulatory and operational risk issues at the federal level.
In-depth exploration of the latest trends, safeguards, and strategies in fraud prevention, cybersecurity, and risk management.
Informs you of the technological advances that can enhance your bank’s bottom line, increase its operational efficiencies, support evolving payment systems, and boost its competitiveness.
Expert insight and guidance for today’s lending and retail environments including agriculture, small business, consumer, and commercial products.
Specialty Learning Labs dedicated to community banks with a specific focus on revenue generation, customer engagement, and organization expansion.
Updates focused on the key trends, disruptive opportunities, and proven business strategies for today’s experienced professionals leading community banks.
Connect with fellow bankers to explore shared challenges and opportunities in community banking. These roundtables provide a free-flowing, collaborative space for in-depth, peer-to-peer discussions.
Here, you’ll find practical solutions to everyday issues by learning from others’ experiences and sharing your own insights. With a focus on open dialogue, each roundtable encourages meaningful exchanges tailored to your bank’s needs.
Is your bank struggling to overcome marketing challenges, manage vast amounts of data, or make a mark in a crowded market? Join Mills Marketing experts for a roundtable discussion where you’ll collaborate with industry peers and uncover solutions tailored to today’s marketing challenges. We’ll explore:
Key Issues: Identify and discuss major marketing obstacles impacting your bank.
Data Utilization: Learn ways to harness data for strategic, results-oriented decision-making.
Competitive Strategies: Develop methods to differentiate your bank in today’s market.
Social Media Impact: Create a social media approach that builds your bank’s reputation and engagement while ensuring compliance.
This is your chance to exchange ideas with experts and other community banks, gain actionable insights, and boost your bank’s marketing success for 2025 and beyond.
Family-owned banks possess unique strengths and challenges that require thoughtful strategies. This roundtable creates a dedicated environment for peer-to-peer discussions on pressing issues, including:
Succession Planning: Ensure smooth transitions while preserving family legacy.
Governance: Discover best practices tailored to family-owned institutions.
Financial Health: Explore strategies for sustainable financial growth.
Legacy Goals: Define long-term objectives that align with family values.
Strategic Planning: Align business strategies with family principles.
Engage with others who understand the unique dynamics of family-owned banks. This session provides valuable insights and solutions to help your institution thrive, and it’s an opportunity to build strong connections with like-minded professionals.
Mutual and thrift institutions face specific challenges in today’s banking landscape. Join this roundtable to discuss:
Recent Regulations: Understand recent regulatory changes and their implications.
Corporate Governance: Examine effective governance practices for mutual and thrift institutions.
Depositor Issues: Discuss key depositor concerns and effective response strategies.
This session offers a unique platform for mutual and thrift professionals to exchange experiences, ask questions, and gain insights from industry experts.
Participate in these critical discussions to stay informed and prepared to address your institution’s needs.
Designed exclusively for community bankers, this roundtable brings you together with peers and industry leaders to address topics relevant to your institution. Discussions will be organized by asset size, ensuring that each table’s focus is relevant to your needs.
Why Attend?
Ask Questions: Gain insights from both experts and fellow bankers.
Key Topics: Dive deep into issues impacting your community bank.
Peer Exchange: Share strategies with banks of similar asset sizes.
Expert Guidance: Benefit from insights of seasoned industry leaders.
This is an opportunity to connect, learn, and grow within the banking community. We look forward to seeing you there!
Community banks with assets over $1 billion encounter distinct challenges that require specialized solutions. This roundtable, tailored to senior leaders from large community banks, provides an environment to address critical topics such as:
Liquidity Management: Strategies for maintaining strong liquidity positions.
Strategic Growth and Risk Management: Approaches to growth and risk mitigation unique to large community banks.
Talent Management: Insights on attracting and retaining top-tier talent.
Following the session, join a networking reception to deepen connections with industry peers. This event offers a valuable space to ask questions, share insights, and bring back strategies to support your bank’s success.