Page 4 - Fall 2023_Neat

A Inside
RKANSAS

COMMUNITY BANKER

Fall 2023

ARKANSAS COMMUNITY
BANKERS ASSOCIATION
3 Education-We’ve got Specialty Interests 3801 Woodland Heights Road, Suite 125-G
you covered Little Rock, Arkansas 72212
www.arcommunitybankers.com
BY CHRIS PADGETT info@arcommunitybankers.com
501-246-4975

OFFICERS AND DIRECTORS

6 Protecting against 16 BASIS POINTS John Beller
President, Bank of Cave City, Cave City
HELOC fraud scams Time out for trivia Kyle Baltz
Vice President, RiverBank, Pocahontas
BY TRAVELERS BY JIM REBER
Ed Wilkinson
Treasurer, Farmers Bank, Greenwood

Marty Sellars
27 FLOURISH Secretary, FNBC Bank, Ash Flat
Cryptocurrency: a solution without
8 7 questions for a a problem Chris Padgett
Executive Director
potential fintech Arkansas Community Bankers, Little Rock

BY REBECA ROMERO-RAINEY Gary Head
partner Immediate Past President
Signature Bank, Fayetteville
BY BHG
Rebekah Bernacki
28 ACB Elects New Leadership
First Financial Bank, El Dorado

ACB BOARD of DIRECTORS Casey Cullipher
13 Managing Liquidity RiverWind Bank, Searcy

Risk and Contingency Byron Earnheart
Barret School of Banking, Memphis, TN
31 FROM THE BOARD ROOM
Funding Plans Jim Gowen, Jr.
How to Budget in Uncertain Times ICBA Federal Delegate

BY CHARLES WHITE Merchants & Planters Bank, Newport
BY PHILIP SMITH & CHARLES PLUNKETT
Craig Manatt
Peoples Bank, Sheridan

18 A Key Trait of a High- 37 Kim Markland
Bank of Little Rock, Little Rock
AD INDEX OF PREFERRED

Performing Bank SOLUTIONS PROVIDERS & Landi Mkhize
Chambers Bank, Danville
BY JASON CORDER ASSOCIATE MEMBERS Gary Oltmann
Southern Bancorp Bank, Stuttgart

Michelle Reesor
23 Are you there for First Community Bank, Batesville

David Scruggs
your customers 100 Today’s Bank, Fayetteville

ACB STAFF AND
percent? PROFESSIONAL SUPPORT

Chris Padgett
BY BRENT MELTON Executive Director

Tim Grooms
General Counsel
35 The great digital Quattlebaum, Grooms & Tull
Bank Regulation

strategy reset FORV/S
Regulatory Compliance
BY CHARLES POTTS Ellis, Tucker & Aldridge, LLP
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
Community Banker reserves the right to refuse any article or advertisement submitted. No part of this publication may be reproduced without express written
permission. © 1990 - 2023 by the Arkansas Community Bankers Association. All rights reserved.