Page 3 - Fall 2024_Neat

A Inside
RKANSAS

COMMUNITY BANKER

Fall 2024

ARKANSAS COMMUNITY
BANKERS ASSOCIATION
Features Specialty Interests 3801 Woodland Heights Road, Suite 125-G
Little Rock, Arkansas 72212
www.arcommunitybankers.com
info@arcommunitybankers.com
501-246-4975
OFFICERS AND DIRECTORS
4 Pushing back against 17 BASIS POINTS John Beller

upcoming FHLB
President, Bank of Cave City, Cave City
A fresh perspective
FOMC’s roster has some new voters. Kyle Baltz
regulations Vice President, RiverBank, Pocahontas
BY JIM REBER
BY TIM ROY Ed Wilkinson
Treasurer, Farmers Bank, Greenwood
Marty Sellars
6 FFIEC Cybersecurity Secretary, FNBC Bank, Ash Flat
Assessment Tool

Executive Director
BY JASON CORDER 25 FLOURISH Chris Padgett

AI: the new frontier Arkansas Community Bankers, Little Rock

“To safeguard our banks, we must Gary Head
Immediate Past President
understand how AI is being used...”
8 Does Scale in Banking Signature Bank, Fayetteville

Rebekah Biernacki
BY REBECA ROMERO RAINEY
Lead to Profitability?

First Financial Bank, El Dorado
BY CHRIS NICHOLS Casey Cullipher
RiverWind Bank, Searcy

29 FROM THE BOARD ROOM Byron Earnheart

Barret School of Banking, Memphis, TN
13 Driving strategy with Bank Directors Jim Gowen, Jr.
Requirements and Expectations of
ICBA Federal Delegate
AI as a tool Merchants & Planters Bank, Newport
BY CHARLES POTTS BY PHILIP SMITH & CHARLES PLUNKETT
Craig Manatt
Peoples Bank, Sheridan

Kim Markland
Spotting and Avoiding
21 AD INDEX OF PREFERRED Bank of Little Rock, Little Rock

Landi Mkhize
Romance Scams 37 SOLUTIONS PROVIDERS & Chambers Bank, Danville

BY MIKE BURKE ASSOCATE MEMBERS Gary Oltmann
Southern Bancorp Bank, Stuttgart

Michelle Reesor
34 Why Managed IT First Community Bank, Batesville

Services Free You
David Scruggs
to Focus on What Today’s Bank, Fayetteville

ACB STAFF AND
Matters Most PROFESSIONAL SUPPORT
Chris Padgett
BY TOM DOUGLAS Executive Director

Tim Grooms
General Counsel

Quattlebaum, Grooms & Tull
Bank Regulation

FORV/S
One Vision, One Mission. Community Banks. Regulatory Compliance

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 - 2024 by the Arkansas Community Bankers Association. All rights reserved.