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A                                                                                 Inside
                       RKANSAS


                      COMMUNITY BANKER



                                       Summer 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     Look around, and look                     18   BASIS POINTS                   John Beller
             ahead
                                                                                           President, Bank of Cave City, Cave City
                                                            The Meek...
                                                             Inherit a prominent place in bond   Kyle Baltz
                                                                                           Vice President, RiverBank, Pocahontas
     BY JOHN BELLER                                          por olios.
                                                                                           Ed Wilkinson
                                                              BY JIM REBER                 Treasurer, Farmers Bank, Greenwood
                                                                                           Marty Sellars
      5     Top Ten Trends                                  FLOURISH                       Secretary, FNBC Bank, Ash Flat
            Impacting Bank
                                                                                           Chris Padgett
            Technology - Part 2                       28    Showing pride in independence   Executive Director
                                                                                           Arkansas Community Bankers, Little Rock
                                                             “We need to hold on to our    Gary Head
    BY JIMMY SAWYERS                                                                       Immediate Past President
                                                              independence at all costs….”   Signature Bank, Fayetteville
                                                             BY REBECA ROMERO RAINEY       Rebekah Biernacki
                                                                                           First Financial Bank, El Dorado
      10     What Is A Perfected                                                           Casey Cullipher
             Lien
                                                                                           RiverWind Bank, Searcy
                                                      31    FROM THE BOARD ROOM            Byron Earnheart
                                                                                           Barret School of Banking, Memphis, TN
     BY BRENT MELTON                                        Is you institution still relevant?
                                                                                           Jim Gowen, Jr.
                                                               BY PHILIP SMITH & CHARLES PLUNKETT   ICBA Federal Delegate
                                                                                           Merchants & Planters Bank, Newport
      14     Banking Through the                                                           Craig Manatt
                                                                                           Peoples Bank, Sheridan
             Eyes of a Young
             Professional                                                                  Kim Markland
                                                                                           Bank of Little Rock, Little Rock
                                                      37    AD INDEX OF PREFERRED          Landi Mkhize
    BY ELISE GASPERECZ ; ET AL                              SOLUTIONS PROVIDERS &          Chambers Bank, Danville
                                                            ASSOCATE MEMBERS               Gary Oltmann
                                                                                           Southern Bancorp Bank, Stuttgart

      22     Here’s The Math                                                               Michelle Reesor
                                                                                           First Community Bank, Batesville
             Behind the High-Yield
                                                                                           David Scruggs
             Account                                                                       Today’s Bank, Fayetteville
                                                                                                     ACB STAFF AND
                                                                                                 PROFESSIONAL SUPPORT
    BY CHRIS NICHOLS
                                                                                           Chris Padgett
                                                                                           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


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