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CONTRIBUTORS FALL | 2025
FEATURES EVERY ISSUE ARKANSAS COMMUNITY
BANKERS ASSOCIATION
3801 Woodland Heights Road, Suite 125-G
The Death of FROM THE BOARD ROOM Little Rock, Arkansas 72212
Passwords Is Closer Knowing and www.arcommunitybankers.com
10 Corporate Documents OFFICERS AND DIRECTORS
info@arcommunitybankers.com
Than You Think Understanding Your 501-246-4975
BY JARED MAXWELL
BY PHILIP SMITH & Kyle Baltz
President, RiverBank, Pocahontas
CHARLES PLUNKETT
Ed Wilkinson
Vice President, Farmers Bank, Greenwood
How the Loss of Fed
Marty Sellars
Independence Might
12 Impact Your Bank 6 Kim Markland
Treasurer, FNBC Bank, Ash Flat
Secretary, Bank of Little Rock, Little Rock
BY CHRIS NICHOLS John Beller
Immediate Past President
Bank of Cave City, Cave City
Chris Padgett
Executive Director
Deposit BASIS POINTS Arkansas Community Bankers, Little Rock
cannabaliza�on threat The rule of three Rebekah Biernacki
pushes banks to act on 16 Bond por�olio yields are at First Financial Bank, El Dorado
stablecoin mul�year highs. Casey Cullipher
RiverWind Bank, Searcy
Patrick Dix
BY JIM REBER
BY CLAIRE LAWSON Preferred Services Provider Representative
SHAZAM, Johnston, IA
Jim Gowen, Jr.
ICBA Federal Delegate
GENIUS Act – Merchants & Planters Bank, Newport
Ushering in a Craig Manatt
20 Transforma�ve Era 28 Landi Mkhize
Peoples Bank, Sheridan
of Digital Assets
Chambers Bank, Danville
BY Forvis/Mazars Gary Oltmann
Southern Bancorp Bank, Stuttgart
Michelle Reesor
FLOURISH First Community Bank, Batesville
Ba�ling the many faces David Scruggs
The Importance of of fraud together Today’s Bank, Fayetteville
Values in Retaining ACB STAFF AND
25 BY REBECA ROMERO Chris Padgett
Employees PROFESSIONAL SUPPORT
BY MIKE HARBOUR RAINEY Executive Director
Tim Grooms
General Counsel
Quattlebaum, Grooms & Tull
Layers of Physical Bank Regulation
Protec�on 31 FORV/S
34 BY FEDERAL Ellis, Tucker & Aldridge, LLP
Regulatory Compliance
Tax & Accounting
PROTECTION
WITH THE EXCEPTION OF OFFICIAL ANNOUNCEMENTS, ��� ARKANSAS COMMUNITY BANKERS A���������� B���� �� D��������, O������� AND STAFF DISCLAIM ANY RESPONSIBILITY FOR OPINIONS
EXPRESSED AND STATEMENTS MADE IN ARTICLES PUBLISHED IN ��� A������� C�������� B�����. THE ARKANSAS COMMUNITY BANKER �������� �������� FROM READERS. A�� ��������
��������� �������������� �� �� ����, ACCOMPANIED BY ADDRESSED ������� ���� RETURN ENVELOPE, WILL BE CONSIDERED FOR PUBLICATION. THE ������ �� ��� ARKANSAS COMMUNITY BANKE�
RESERVES THE RIGHT TO REFUSE ANY ARTICLE OR ADVERTISEMENT SUBMITTED. NO PART OF THIS PUBLICATION MAY BE REPRODUCED WITHOUT EXPRESS WRITTEN PERMISSION. © 1990 - 2025 BY ��� ARKANSAS
COMMUNITY BANKERS A����������. A�� ������ ��������.
