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RKANSAS

COMMUNITY BANKER

Winter 2024

ARKANSAS COMMUNITY
BANKERS ASSOCIATION
6 To All CRA Officers: Specialty Interests 3801 Woodland Heights Road, Suite 125-G
“Bless Your Heart!” Little Rock, Arkansas 72212
www.arcommunitybankers.com
BY STEFFANI JENKINS info@arcommunitybankers.com
501-246-4975

OFFICERS AND DIRECTORS

John Beller
16 BASIS POINTS President, Bank of Cave City, Cave City

Give credit where it’s due Kyle Baltz
9 Uncovering Hidden Vice President, RiverBank, Pocahontas
Costs BY JIM REBER Ed Wilkinson
Treasurer, Farmers Bank, Greenwood
BY BEN FRANCE
Marty Sellars
27 FLOURISH Secretary, FNBC Bank, Ash Flat
Continuing the climb
Chris Padgett
In advocacy, education and Executive Director
innovation, we are working Arkansas Community Bankers, Little Rock
13 Credit unions alongside you to power your Gary Head
kick-off 2024 potential ... Immediate Past President
Signature Bank, Fayetteville
BY LAUREN SEAY BY REBECA ROMERO-RAINEY Rebekah Bernacki
First Financial Bank, El Dorado

Casey Cullipher
30 FROM THE BOARD ROOM RiverWind Bank, Searcy

Survive till `25! Byron Earnheart
21 Developing a Barret School of Banking, Memphis, TN
BY PHILIP SMITH & CHARLES PLUNKETT

Business Case for Jim Gowen, Jr.
ICBA Federal Delegate
Cybersecurity 37 Merchants & Planters Bank, Newport

AD INDEX OF PREFERRED Craig Manatt
BY JASON CORDER SOLUTIONS PROVIDERS & Peoples Bank, Sheridan
ASSOCIATE MEMBERS Kim Markland
Bank of Little Rock, Little Rock

Landi Mkhize
Chambers Bank, Danville
24 What stops Gary Oltmann
community banks Southern Bancorp Bank, Stuttgart

from improving their Michelle Reesor
cybersecurity plan? First Community Bank, Batesville

David Scruggs
BY AMY RADUE Today’s Bank, Fayetteville

ACB STAFF AND
PROFESSIONAL SUPPORT

Chris Padgett
Executive Director

Tim Grooms
34 Private Equity-Backed General Counsel

Quattlebaum, Grooms & Tull
MSPs Bank Regulation

FORV/S
BY THOMAS DOUGLAS 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.