ICBSD Blog

— Bryant Henderson, Wealth Advisory Manager   When I initially meet with clients about retirement planning, the conversation often starts with one question: How much do I need to retire? A quick internet search might return advice like “You need $1 million to retire,” “$2 million is safer,” or “aim to save 10 times your

— Megan Olson, President & CEO, ICBSD Not every community bank in South Dakota has a marketing department. Some do. Many run lean, with one person wearing five hats and no time left to build a fraud awareness campaign or explain cryptocurrency to a curious customer. ICBSD built two new resources with exactly that reality

— Rebeca Romero Rainey, President & CEO, ICBA As community bankers, our customers and communities are at the heart of everything we do. Our products, our technology stacks, our teams: They all are built to meet the needs and interests of those we serve. In the community bank model, we put the relationship first, and

— Josh Hogue, ICBA Federal Delegate, CEO, Reliabank Dakota A phone call from our bank carries more weight in Washington than we might think. Congress listens to the people who show up, and ICBA has built the tools to make that easy for all of us. At the center of it is ICBA’s “Take Action.

— Nick Conway, President, First Western Federal Savings Bank, ICBSD Chairman of the Board Every director I talk to has heard some version of the same pitch. A core provider, a fintech partner, or a vendor at a trade show promises that artificial intelligence will cut processing time, catch fraud you are missing, and answer

— Alice P. Frazier, ICBA Chair, President & CEO, Potomac Bank, Charles Town, WV Community banks stand the test of time. In this month’s issue, we’re celebrating banks that have been around for 100, 150, 200 years, and that’s an achievement to be honored—but it’s not surprising. Because community banks dive deep into connection. That

Nick Conway’s connection to ICBSD goes back further than many people realize. Long before joining First Western Federal Savings Bank in Rapid City, he became an associate member of ICBSD in 2008. He joined the bank in 2017 as Executive Vice President, was named President in 2023, and now takes on a new leadership role

— Amy Waite, Senior Loan Officer, Ally Dakota Development FY2027 SBA 504 fee changes put renewed focus on manufacturing, the food supply chain and rural communities If you are a community banker in South Dakota, I’m sure you’ve taken this phone call from a commercial client: “We’re out of room.” Maybe it’s a manufacturer who

— Dixie Hieb, Partner, Davenport Evans Law Firm It is not often that bankers react warmly to yet another rules revision, but FinCEN’s latest proposed Bank Secrecy Act changes should make bankers, and especially BSA Officers, smile.  On April 7, 2026, FinCEN published proposed revisions to the Bank Secrecy Act rules that may change little

Kyle DeBoer has ridden a motorcycle to all 48 lower states and six Canadian provinces. In 2024, he covered more than 1,000 miles in a single day for an Iron Butt ride. None of those trips had a fixed destination. His career hasn’t either, and community bankers across South Dakota are better for it. DeBoer