Page 3 - Spring 2025
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CONTRIBUTORS SPRING | 2025
FEATURES EVERY ISSUE ARKANSAS COMMUNITY
BANKERS ASSOCIATION
BASIS POINTS 3801 Woodland Heights Road, Suite 125-G
Little Rock, Arkansas 72212
Tariff uncertainty Vigilante jus�ce? www.arcommunitybankers.com
could push back Fed Financial markets react info@arcommunitybankers.com
501-246-4975
6 rate moves to late changes OFFICERS AND DIRECTORS
quickly to policy
2025
BY JIM REBER John Beller
President, Bank of Cave City, Cave City
BY BRIAN SHEID Kyle Baltz
Vice President, RiverBank, Pocahontas
Ed Wilkinson
Bank Tools for Treasurer, Farmers Bank, Greenwood
10
Predic�ng the Future 26 Marty Sellars
Secretary, FNBC Bank, Ash Flat
BY CHRIS NICHOLS Chris Padgett
Executive Director
Arkansas Community Bankers, Little Rock
Gary Head
Immediate Past President
FLOURISH Signature Bank, Fayetteville
Naviga�ng DEI in 2025: Let’s come Rebekah Biernacki
First Financial Bank, El Dorado
14 What Businesses Need together to Casey Cullipher
to Know
RiverWind Bank, Searcy
address fraud
Barret School of Banking, Memphis, TN
BY IDHR CONSULTING BY REBECA ROMERO Byron Earnheart
RAINEY Jim Gowen, Jr.
ICBA Federal Delegate
Merchants & Planters Bank, Newport
Craig Manatt
17
AI: A Cau�onary Tale 33 Peoples Bank, Sheridan
Kim Markland
For Non-Lawyers Bank of Little Rock, Little Rock
Landi Mkhize
Chambers Bank, Danville
BY S. KATIE CALVERT
Gary Oltmann
FROM THE BOARD ROOM Southern Bancorp Bank, Stuttgart
Marke�ng Michelle Reesor
First Community Bank, Batesville
Personaliza�on Is Protec�ng Confiden�al David Scruggs
21 More Than Adding Today’s Bank, Fayetteville
Bank Informa�on
Names to Emails
ACB STAFF AND
BY PHILIP SMITH &
PROFESSIONAL SUPPORT
CHARLES PLUNKETT Chris Padgett
BY ELIZABETH JUDD
Executive Director
Tim Grooms
General Counsel
Quattlebaum, Grooms & Tull
How Does Cyber 37 Bank Regulation
FORV/S
Insurance Work? 29 Regulatory Compliance
Ellis, Tucker & Aldridge, LLP
Tax & Accounting
BY TRAVELERS
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�� ������ ��������.
