From the digitization of money with stablecoins to the rise of artificial intelligence across operations, traditional relationship banking is evolving. And ICBA is meeting the moment through a coordinated, multi-pillar strategy of advocacy, education, and innovation.

Since we started seeing Halloween decorations in August, I felt it was high time we started thinking about the Holiday season. More specifically, as it relates to community banking. And still more specifically, about a checklist for the balance sheet. There are some seasonal items that bear attention prior to, and immediately after, year end. So let’s take a look at what may be on the radar for the fourth quarter.

The large bank failures of 2023 demonstrated the clear need to reform the nation’s deposit insurance system. With lawmakers working to gather input and offer deposit reform proposals, ICBA has worked with community bankers to shape recommended reform principles to inform this much-needed debate.