Chairman’s Message: Join Us in the Black Hills

Michael Behl, ICBSD Chairman, Compliance Officer, 
    The Farmers and Merchants State Bank

One of the things I value most about serving community banks in South Dakota is the strength of the relationships behind them. The Black Hills Retreat has always reflected that strength. It gives us the opportunity to step away from the office, spend time with one another and our families, and reconnect with what makes community banking strong in our state.

This year, we are excited to be back in nature at the historic State Game Lodge in Custer State Park, July 23-25, 2026. It is a setting that represents the best of South Dakota: scenic, welcoming, and grounded in tradition.

The retreat is relaxed in atmosphere, but it is purposeful. We cover issues that matter to our banks, hear from strong presenters, and learn from one another’s experiences. The setting allows for honest conversations and practical takeaways. Many of the ideas I have brought back to my own bank started during discussions at this retreat.

I encourage you to bring your family. Community banking is personal. It is built on relationships, and that includes the people who support us at home. I grew up attending this retreat with my parents, and now I have the privilege of attending with my wife and kids. It has become a tradition for our family, and one I am grateful to continue.

I hope you will make plans to join us this year at the State Game Lodge. The connections we strengthen during the Black Hills Retreat carry well beyond a few days in the Hills. They help us lead stronger banks and continue serving our communities with confidence.

Registration will open soon, and the schedule of events is available at icbsd.com/black-hills-retreat.

I look forward to seeing you there.


“The connections we strengthen during the Black Hills Retreat carry well beyond a few days in the Hills. They help us lead stronger banks and continue serving our communities with confidence.”

  Michael Behl