ICBSD Blog

When it comes to community banking, we are a nation unto ourselves. When I traveled to the World Savings Bank Institute Conference, attendees from other countries were shocked to hear about the number of community banks we have and how our model fuels the success of our small business economy. Globally, no other country can […]

— Josh Hogue, Immediate Past Chairman of ICBSD & ICBA Federal Delegate, President, Reliabank Dakota Years of persistent advocacy, grassroots engagement, and a commitment to doing what’s right for our customers have led to a remarkable milestone: the inclusion of the Access to Credit for our Rural Economy (ACRE) Act in the current federal tax

COVID accelerated the digital banking landscape, and as a result, community banks have embraced front-facing technology that’s user-friendly for our small-business customers, offering a better experience. From remote deposit capture and digital banking to electronic payments, we’re seeing much higher adoption of technological products because they meet the needs of today’s customers. Once our small

— James Reber, President and CEO, ICBA Securities We are suddenly mid-decade of the 2020s, and if there’s a recurring theme, it’s “anomaly.” First, record low yields and rates. (Remember the 10-year treasury note hitting 0.55% in July 2020?) Then, record rate hikes of 525 basis points concentrated in a torturous 16-month window, followed by

In a rapidly evolving banking industry where foresight and strategic planning are more critical than ever, Michael Klinger stands out as a trusted guide. As Vice President and BankValue Manager at United Bankers’ Bank (UBB), Michael helps community banks navigate complex valuation challenges, ownership transitions, and succession planning with a forward-thinking, people-first approach. While valuations

For many community bankers across South Dakota and the surrounding region, the seamless experience of a business debit card swipe or a reliable ATM transaction is something they—and their customers—count on without a second thought. But behind those moments of convenience is a network of dedicated professionals ensuring everything works as it should. One of

For Mike Kobbervig, helping people plan for retirement isn’t just a profession—it’s a passion rooted in purpose, personal connection, and a good dose of Midwestern practicality. As the Senior Vice President and Retirement Plan Services Division Manager at Bell Bank, Mike brings nearly three decades of experience, an innovative approach to financial education, and a

— Dixie K. Hieb, Partner, Davenport Evans Law Firm In recent years there have been a number of high-dollar penalties imposed by regulators in connection with the Bank Secrecy Act and anti-money laundering enforcement actions. While the related consent orders generally lay out a list of required actions, as opposed to a list of the

Matt is an Attitude Expert who has shared his message of positive attitude change throughout the United States and internationally. He is known for his humor, quick wit, and ability to connect with people. Matt believes that if we want to make a real difference in the world, we first need to change our attitudes.

Dan Stimpson, Managing Director, Strategic Analytics, Stifel About Dan: Dan is a Managing Director in the Strategy and Analytics department at Stifel. In this capacity, Dan works with portfolio managers to assist them in optimizing their investment portfolio return and risk position, while incorporating institutions’ liquidity needs, risk controls and capital constraints. Prior to joining