Page 4 - Winter 2023_Neat

A Inside
RKANSAS

COMMUNITY BANKER

Winter 2023

Specialty Interests ARKANSAS COMMUNITY
BANKERS ASSOCIATION
3801 Woodland Heights Road, Suite 125-G
3 A view from the Capitol Little Rock, Arkansas 72212
www.arcommunitybankers.com
BY CHRIS PADGETT info@arcommunitybankers.com
501-246-4975

15 BASIS POINTS OFFICERS AND DIRECTORS
Time to lock in?
Gary Head
7 Navigating the Potential SBIC’s can hit the sweet spot…… President

Signature Bank, Fayetteville
BY JIM REBER
Impact of Regulatory John Beller
Vice President
Guidance 25 FLOURISH Bank of Cave City, Cave City

BY GALE SIMON-POOLE “As we enter a new chapter Kyle Baltz
Treasurer
and start a new financial RiverBank, Pocahontas
statement cycle, know that ICBA Ed Wilkinson
will be there to support you……” Secretary
Farmers Bank, Greenwood
11 Fair Lending Risk
BY REBECA ROMERO-RAINEY Gary Oltmann
Immediate Past President
Factors Updated Southern Bancorp Bank, Stuttgart
BY MICHAEL WALLACE
28 FROM THE BOARD ROOM Jim Gowen, Jr.
Past President
A Common Board Refrain:
& ICBA Federal Delegate
Merchants & Planters Bank, Newport
Because We’ve Always Done it that

Way! Chris Padgett
Executive Director
BY PHILIP SMITH Arkansas Community Bankers, Little Rock
18 Rising Interest Rates
Casey Cullipher
Complicate Bank Investment RiverWind Bank, Searcy

Portfolios 34 PERSPECTIVES Byron Earnheart
Barret School of Banking, Memphis, TN
BY CARL WHITE What is “Quite Hiring”?
Craig Manatt
Peoples Bank, Sheridan
BY BYRON EARNHEART
Kim Markland
Bank of Little Rock, Little Rock

21 Pros and Cons of 36 Marty Sellars
Community Banks Using AD INDEX OF PREFERRED FNBC Bank, Ash Flat

SOLUTIONS PROVIDERS &
Artificial Intelligence ASSOCIATE MEMBERS _______________________________________________________________

BY ChatGPT
ACB STAFF AND
PROFESSIONAL SUPPORT

Chris Padgett
Executive Director

th
29 8 District Farmers Tim Grooms
General Counsel

Navigate Global Supply Quattlebaum, Grooms & Tull
Bank Regulation
Uncertainty
Ellis, Tucker & Aldridge, LLP
BY NATHAN JEFFERSON AND JACK FULLER Tax & Accounting
With the exception of official announcements, the Arkansas Community Bankers Association Board of Directors, Officers and staff disclaim any responsibility for
opinions expressed and statements made in articles published in the Arkansas Community Banker. The Arkansas Community Banker welcomes comments from readers.
All material submitted electronically or by mail, accompanied by addressed postage paid return envelope, will be considered for publication. The editor of the Arkansas
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permission. © 1990 - 2023 by the Arkansas Community Bankers Association. All rights reserved.