Page 3 - Winter 2025 - 2.pub

CONTRIBUTORS WINTER | 2025

FEATURES EVERY ISSUE

ARKANSAS COMMUNITY
‘Repair, Reform, BANKERS ASSOCIATION
3801 Woodland Heights Road, Suite 125-G
and Thrive’ Little Rock, Arkansas 72212
BASIS POINTS www.arcommunitybankers.com
BY ICBA
Callable securities info@arcommunitybankers.com
501-246-4975
present risk and
OFFICERS AND DIRECTORS
AI’s shift from reward John Beller
promise to practice BY JIM REBER President, Bank of Cave City, Cave City

5 BY MIRIAM FERNÁNDEZ, Kyle Baltz
SUDEEP KESH, and Vice President, RiverBank, Pocahontas

PAUL WHITFIELD Ed Wilkinson
Treasurer, Farmers Bank, Greenwood

Marty Sellars
Should I Stay or 25 Secretary, FNBC Bank, Ash Flat
Should I Go? Chris Padgett
BY BOB FEGTLY 19 Executive Director
Arkansas Community Bankers, Little Rock

Gary Head
Immediate Past President
FLOURISH
Signature Bank, Fayetteville
“Without a doubt
Rebekah Biernacki
Strong Earnings, advocacy serves as First Financial Bank, El Dorado
7 the most critical
Asset Quality Put Casey Cullipher
RiverWind Bank, Searcy
U.S. Banks on piece of our Byron Earnheart
Solid Ground mission…” Barret School of Banking, Memphis, TN
Regulatory BY CARL WHITE BY REBECA ROMERO Jim Gowen, Jr.
Compliance is Not ICBA Federal Delegate
Merchants & Planters Bank, Newport
Enough: Elevating
Craig Manatt
Your Bank’s Peoples Bank, Sheridan

Cybersecurity Kim Markland
BY JASON CORDER 33 Bank of Little Rock, Little Rock
29 Landi Mkhize
Chambers Bank, Danville

Gary Oltmann
Southern Bancorp Bank, Stuttgart
FROM THE Michelle Reesor
11 A Personal Warning - BOARD ROOM First Community Bank, Batesville
Message from a Capital Planning David Scruggs
scam victim for the New Year Today’s Bank, Fayetteville
BY GWEN MORITZ BY PHILIP SMITH &
Largest Reason for ACB STAFF AND
CHARLES PLUNKETT PROFESSIONAL SUPPORT
Community Bank
Chris Padgett
Consolidation Executive Director

BY CHRIS NICHOLS Tim Grooms
40 General Counsel

Quattlebaum, Grooms & Tull
Bank Regulation
37 FORV/S
Regulatory Compliance

14 Ellis, Tucker & Aldridge, LLP
Tax & Accounting

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written permission. © 1990 - 2025 by the Arkansas Community Bankers Association. All rights reserved.