Page 4 - Summer 2023.2_Neat

A Inside
RKANSAS

COMMUNITY BANKER

Summer 2023

3 The Spirit of Specialty Interests ARKANSAS COMMUNITY
BANKERS ASSOCIATION
Togetherness
3801 Woodland Heights Road, Suite 125-G
BY CHRIS PADGETT Little Rock, Arkansas 72212
www.arcommunitybankers.com
info@arcommunitybankers.com
16 BASIS POINTS 501-246-4975
8 Advice from an award- Value, added - High baseline yields OFFICERS AND DIRECTORS
winning cybersecurity accompany surprisingly wide Gary Head
team spreads President
Signature Bank, Fayetteville
BY FRED HAMILTON BY JIM REBER John Beller
Vice President
Bank of Cave City, Cave City

11 Banks face growing 21 PERSPECTIVES Kyle Baltz
Treasurer
A New Risk Management Tool RiverBank, Pocahontas
regulatory pressure for Community Banks
Ed Wilkinson
on risky CRE BY BRENT MELTON Secretary
Farmers Bank, Greenwood

BY ALLISON BENNETT & XYLEX MANGULABNAN Gary Oltmann
26 FLOURISH Immediate Past President
Southern Bancorp Bank, Stuttgart
“So much of what we’ve seen in
18 A Key Trait of a High- the last six months is banks Jim Gowen, Jr.
Past President
doubling down on what they’re & ICBA Federal Delegate
Performing Bank Merchants & Planters Bank, Newport
good at doing…….”
BY JASON CORDER Chris Padgett
BY REBECA ROMERO-RAINEY Executive Director
Arkansas Community Bankers, Little Rock

Casey Cullipher
24 What AI Says…. 31 FROM THE BOARD ROOM RiverWind Bank, Searcy

Byron Earnheart
Exempting The Human Side of M&A Barret School of Banking, Memphis, TN

Community Banks from BY PHILIP SMITH & CHARLES PLUNKETT Craig Manatt
Peoples Bank, Sheridan
FDIC Assessments Kim Markland
36 Bank of Little Rock, Little Rock
BY ChatGPT AD INDEX OF PREFERRED
Marty Sellars
SOLUTIONS PROVIDERS & FNBC Bank, Ash Flat
ASSOCIATE MEMBERS

35 Unleashing the ACB STAFF AND
PROFESSIONAL SUPPORT
Power of AI in
Chris Padgett
Executive Director
Banking:
Tim Grooms
BY THOMAS DOUGLAS General Counsel

Quattlebaum, Grooms & Tull
Bank Regulation

38 UCC Amended for FORV/S
Regulatory Compliance
Digital Commerce
Ellis, Tucker & Aldridge, LLP
Tax & Accounting
BY DAVID A. GARDNER
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 - 2023 by the Arkansas Community Bankers Association. All rights reserved.