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CONTRIBUTORS SUMMER | 2025
FEATURES EVERY ISSUE ARKANSAS COMMUNITY
BANKERS ASSOCIATION
3801 Woodland Heights Road, Suite 125-G
FROM THE BOARD ROOM Little Rock, Arkansas 72212
Barret Gradua�ng www.arcommunitybankers.com
Class of 2025 How to Pursue info@arcommunitybankers.com
10 BY BARRET OFFICERS AND DIRECTORS
Relevance
501-246-4975
GRADUATE SCHOOL BY PHILIP SMITH & John Beller
CHARLES PLUNKETT President, Bank of Cave City, Cave City
OF BANKING
Kyle Baltz
Vice President, RiverBank, Pocahontas
Harnessing the IKEA 6 Ed Wilkinson
Treasurer, Farmers Bank, Greenwood
Effect Marty Sellars
12 Secretary, FNBC Bank, Ash Flat
BY CHRIS NICHOLS Chris Padgett
Executive Director
Arkansas Community Bankers, Little Rock
Gary Head
Immediate Past President
BASIS POINTS Signature Bank, Fayetteville
What’s Changed? Are High Anxiety Rebekah Biernacki
First Financial Bank, El Dorado
16 you In Viola�on of Yield curve shape Casey Cullipher
Change of Control
RiverWind Bank, Searcy
reflects bond market’s
Barret School of Banking, Memphis, TN
BY KYLE SHADID & mood. Byron Earnheart
ASHLEY FLOYD BY JIM REBER Jim Gowen, Jr.
ICBA Federal Delegate
Merchants & Planters Bank, Newport
Strategic Project Craig Manatt
Management Peoples Bank, Sheridan
Kim Markland
BY BANK 20 28 Bank of Little Rock, Little Rock
STRATEGIC Landi Mkhize
SOLUTIONS
Chambers Bank, Danville
Gary Oltmann
Southern Bancorp Bank, Stuttgart
Top 3 Benefits of FLOURISH Michelle Reesor
First Community Bank, Batesville
Conversa�ons must
Using an Insurance
25 Broker determine our David Scruggs
Today’s Bank, Fayetteville
innova�on budgets
ACB STAFF AND
BY IL GROUP PROFESSIONAL SUPPORT
BY REBECA ROMERO Chris Padgett
Executive Director
RAINEY
Tim Grooms
Small Business General Counsel
Banking and Tech Quattlebaum, Grooms & Tull
34 FORV/S
Bank Regulation
BY JIMMY SAWYERS 31 Regulatory Compliance
Ellis, Tucker & Aldridge, LLP
Tax & Accounting
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�� ������ ��������.
