The Arkansas Banker November 2017

Revitalizing a Community

Is Your Bank Ready for Medical Marijuana?

The Arkansas

Banker

Volume C, No. 11 | November 2017 November 2017 | The Arkansas Banker

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ABA Live Events ABA Professional Development

Live Events...

Provide you with face-to-face interaction with an expert instructor!

FEBRUARY 2018 6

| IRA Advanced Update

Location TBD, Little Rock Who Should Attend: IRA Personnel in New Accounts, CDs, Trust, Investments & Savings

21 | Loan Assistants & Processors Workshop

22 | Managing the Community Bank’s Loan Review Function

Arkansas Bankers Association, Little Rock Who Should Attend: Community bankers who have lending and loan review responsibilities

Arkansas Bankers Association, Little Rock Who Should Attend: Loan Assistants and Processors, Credit Administration Supervisors, and other members of the bank’s loan support staff

MARCH 2018 27

| BSA/AML Compliance Management

Location TBD, Little Rock Who Should Attend: Bank Personnel who maintain or audit Bank Secrecy Act or Anti-Money Laundering compliance efforts

APRIL 2018 2-4

| 128th Annual Convention

The Robinson Center, Little Rock Who Should Attend: All Bankers!

24-25 | Supervisor Boot Camp

Arkansas Bankers Association, Little Rock Who Should Attend: Anyone with supervisory oversight, including new and seasoned Supervisors and Managers

MAY 2018 15

| Call Report Preparation Review & Update

Location TBD, Little Rock Who Should Attend: Anyone who prepares, audits, or signs the Call Report

e 2018 Events: Be watching for thes • Trust School • IRA School • Mega Conference Conference • Women in Banking

For more information about ABA Live Events, log on to www.arkbankers.org or call 501.376.3741

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The TheArkansas ArkansasBanker Banker || November November2017 2017

The Arkansas

Banker Volume C, No. X | June 2016

The Arkansas Banker is the official publication of the Arkansas Bankers Association.

EDITORIAL OFFICE

1220 West Third Street Little Rock, AR 72201 Phone 501.376.3741 | Fax 501.376.9243 www.arkbankers.org

CONTENTS COLUMNS

4

President’s Column

6

Washington Update

Bill Holmes

Rob Nichols

EDITORIAL

The Arkansas Banker seeks to reflect the banking news of Arkansas and other news of direct interest to the Arkansas Bankers Association. Statement of fact and opinion are made on the responsibility of the authors alone and do not represent the opinion or endorsement of the Arkansas Bankers Association. Articles may be reproduced with written permission only.

DEPARTMENTS

ADVERTISEMENT

The publication of advertisement does not necessarily represent endorsement of those products or services by the Arkansas Bankers Association. The Editor reserves the right to refuse any advertisement.

FEATURES

SUBSCRIPTION

20 Member News 22 Banker News & Moves

8 Medical Marijuana is

Coming – Is Your Bank Ready?

by Nathan Read

10 Mega Conference Wrap-Up 16 Renovating a Bank,

Revitalizing a Community

Subscription to The Arkansas Banker magazine, which began monthly publication in April 1917, is included in the membership fees to the Arkansas Bankers Association.

MAGAZINE RATES

Cover price is $5.95 each. Annual subscription rates are $40.00 for members and $60.00 for non-members.

The Arkansas Banker (ISSN 004-1726) is published monthly by the Arkansas Bankers Association, 1220 West Third Street, Little Rock, AR 72201.

Phone: 501.376.3741. Periodical postage paid at Little Rock, AR.

ON THE COVER A view of Fort Smith Lake nestled in the Boston Mountains near Fort Smith.

POSTMASTER: Send address changes to Arkansas Bankers Association, 1220 West Third Street, Little Rock, AR 72201.

November 2017 | The Arkansas Banker

3

PRESIDENT’S COLUMN Gratefulness

How lucky are we to be alive today?

This year has been jam-packed with tragedies.

Five people shot while practicing for a Congressional softball game. Raging forest fires in the West and Northwest. Hurricanes in Texas, Florida and Puerto Rico. Massive destruction and billions of dollars of property destroyed.

The largest mass shooting in U.S. history at the Harvest Music Festival in Las Vegas; 58 people killed. Then, five weeks later, a mad man walks into a small rural church in Sutherland Springs, Texas and kills 26 people during worship services.

hard time being thankful for all that we really do have to be thankful for.

So I have decided to do some things differently.

I am going to concentrate on the simple fact that my life is better than I deserve. I am taking November (Thanksgiving) and December (Christmas) to express my blessings for being here today, and for everything I do have. I am going to be positive for the next two months, and maybe more.

A couple of my reasons for giving thanks, and in no particular order:

This year has been full of suffering, hardship, and disappointment. It is easy to be disheartened and a little bitter from the effects of so many tragedies. Bundle these tragedies together with increasing burdens of regulations, legislation and, as of yet, unfulfilled promises of reg reform and it is very likely that you have a

ABA STAFF

BILL HOLMES

PRESIDENT/CEO 501.978.3602 | bill.holmes@arkbankers.org

CARLA BRINKLEY

VP/CONTROLLER 501.978.3608 | carla.brinkley@arkbankers.org

AVA F. ROBERTS

I am thankful for my wife. She chose to take me for better or worse 30 years ago. She has gotten both and she is still my biggest fan!

I am thankful for my health and the fact I will be able to eat turkey and the trimmings this holiday.

I am grateful for an understanding board and executive committee that supported me this year at the times when I was not able to give a 100% effort.

I am blessed to have a team at work that pitched in and took over so many times this year.

BARRY JACKSON

SVP/COO 501.978.3613 | barry.jackson@arkbankers.org

KAMI T. COLEMAN

VP/PROFESSIONAL DEVELOPMENT 501.978.3614 | kami.coleman@arkbankers.org

TRACI LOGSDON

VP/DIRECTOR OF GOVERNMENT RELATIONS 501.978.3606 | ava.roberts@arkbankers.org

DIRECTOR OF COMMUNICATIONS 501.978.3603 | traci.logsdon@arkbankers.org

JESSICA SAHENE

BRENDA SCARBROUGH

MARKETING COORDINATOR 501.978.3609 | jessica.sahene@arkbankers.org

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PRESIDENT & CEO BILL HOLMES

The TheArkansas ArkansasBanker Banker || November November2017 2017

ADMINISTRATIVE ASSISTANT 501.978.3607 | brenda.scarbrough@arkbankers.org

You all know I could go on and on, but I will remember this list for the rest of this year, and more.

My challenge to you is simple. Today, wherever you are, whatever you’re doing, take some time and create your list of the things you want to give thanks for. Give it a minute and you will be amazed at all of the things that will come to mind.

In case you’re having trouble, here are some thoughts from people far wiser than us on how to get started.

“Be thankful for what you have, you’ll end up having more. If you concentrate on what you don’t have, you will never, ever have enough.” ~ Oprah Winfrey

give, you get. What you see in others, exists in you.

Remember, life is an echo. It always gets back to you. So give goodness. ” ~ Unknown “Gratitude unlocks the fullness of life. It turns what we have into enough, and more. It turns denial into acceptance, chaos to order, confusion to clarity. It can turn a meal into a feast, a house into a home, a stranger into a friend. Gratitude makes sense of our past, brings peace for today and creates a vision for tomorrow.” ~ Melody Beattie Happy Thanksgiving my friends; I am so grateful for our hometown bankers, and for everything you do in your communities.

“If we magnified blessings as much as we magnify disappointments, we would all be much happier.” ~ John Wooden “Some people are always grumbling because roses have thorns; I am thankful that thorns have roses.” ~ Alphonse Karr “Life is an echo. What you send out, comes back. What you sow, you reap. What you

ABA EXECUTIVE COMMITTEE

DAVE DICKSON | CHAIRMAN Union Bank & Trust Co., Monticello

CATHY OWEN | CHAIRMAN-ELECT Eagle Bank, Little Rock

Simmons Bank, El Dorado

JIM CARGILL | TREASURER

SEAN WILLIAMS | PAST CHAIRMAN

BILL HOLMES | PRESIDENT/CEO

Arvest Bank, Little Rock

First National Bank of Wynne, Wynne

ABA BOARD OF DIRECTORS

JOHNNY ADAMS | GROUP 2

ROB ROBINSON IV | VICE CHAIRMAN

DAVID DOWD | GROUP 1

Arkansas Bankers Association, Little Rock

TOM GRUMBLES | GROUP 2

JERRY MORGAN | GROUP 1

First Security Bank, Conway

Cross County Bank, Wynne

First Service Bank, Greenbrier

Focus Bank, Jonesboro

PHIL BALDWIN | GROUP 2 Citizens Bank, Batesville

TROY DUKE | GROUP 5 Gateway Bank, Rison

SCOTT HANCOCK | GROUP 3 Centennial Bank, Fayetteville

LORI ROSS | GROUP 4 Citizens Bank, Arkadelphia

JEFF BRECKLEIN | GROUP 1

NATHAN GAIRHAN | GROUP 3

DARWIN HENDRIX | GROUP 4

JASON TENNANT | GROUP 3

Integrity First Bank, Jonesboro

United Bank, Springdale

Bank of Delight, Delight

Cornerstone Bank, Eureka Springs

GENE CRAWFORD | GROUP 5

DON GIBSON | GROUP 3

DAVID JESSUP | GROUP 5

LYNN WRIGHT | GROUP 2

Citizens Bank, Batesville

Legacy National Bank, Springdale

DeWitt Bank & Trust, DeWitt

CHRIS GOSNELL | GROUP 4

WILSON MOORE | GROUP 2

Farmers Bank & Trust Co., Magnolia

Regions Bank, Little Rock

Bank of America, Little Rock

November 2017 | The Arkansas Banker

5

WASHINGTON UPDATE Making Things Happen You’ve heard the saying that there are three kinds of people in the world: people who make things happen, people who watch things happen and people who wonder what happened. In my experience, the women and men who lead America’s banks fall decidedly into the first camp.

It could be because you lead the institutions that serve as the engine of America’s economy — and together, you comprise one of the most important industries in our nation. It could also be because most of the bankers I meet and talk to in my travels are deeply engaged in industry affairs.

They are at their state association’s convention, serving on its board or on one of AmBA’s many councils, working groups or committees. They are tending not only to what their employees, customers and communities need, but also to what the industry, economy and country need to thrive.

This extra service makes a big difference. When bankers engage in their association’s affairs or in advocacy, a host of good things happen. Some examples: It was a member of AmBA’s “official family,” for instance, who suggested ABA fly down to Houston and Naples following Hurricanes Harvey and Irma and capture on video — for all to see — how banks and bank employees were responding to the local disasters. The result of that suggestion is a video — which you can view at aba.com/HurricaneResponse — that showcases how bankers lead their communities in difficult times.

We’ve been promoting this video widely and encouraging bankers to do the same because it tells such an important and positive story about our industry. I’m grateful to Bob Jones (United Bank, Atmore, Ala.), who serves on the ABA Foundation board and also chairs the Fund for Economic Growth, for suggesting this.

Bankers serving on AmBA’s Community Bankers Council, along with senior loan officers and others at member banks, made a big difference when they provided us essential feedback during the Consumer Financial Protection Bureau’s rulemaking on small-dollar loans.

Their comments, which we relayed in letters and meetings with bureau officials, resulted in a critically important exemption for banks from the CFPB’s final rule requiring short-term, smalldollar loans to meet an ability-to-repay test.

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The Arkansas Banker | November 2017

Banker involvement was also the key to scoring improvements last year to the Call Report for smaller banks. We are seeking to replicate that success as the agencies undertake a review of their safety and soundness exams. That’s why ABA invited regulators to listen in on two banker conference calls we hosted on the topic — so that regulators could hear bankers’ perspectives early on in their review process.

And of course, bankers’ engagement on the CFPB’s arbitration rulemaking not only helped shape AmBA’s policy position on the issue, it ultimately helped persuade Congress to overturn the rule, securing a critical win for bank customers who would have lost access to a resolution option that was faster, more economical and more beneficial to consumers than class action litigation.

ROB NICHOLS

President & CEO American Bankers Association

The truth is, we rely on bankers to inform and guide everything we do, from our comment letters on regulatory proposals and advocacy communications, to conference content and online training. That is the only way associations can succeed.

So my appeal to you is this: Help us help you. We are fortunate to have many engaged bankers, but we need more. We especially want to make sure tomorrow’s bank leaders are engaging today.

AmBA Chairman Ken Burgess told the crowd at our annual convention that he learned the importance of actively participating in association and industry affairs early on from his dad, who was involved with both the Texas Bankers Association and Independent Bankers Association of Texas, as well as AmBA. It’s a legacy he is passing on to his staff, and I hope our other banker volunteers will do the same.

Odds are that whatever position you hold in your bank, you possess expertise that your state association and AmBA are eager to tap. Look for opportunities to join a working group or serve on a committee (see some opportunities at aba.com/ Committees). Respond to surveys asking your views on an issue or business practice. Tell us what your bank needs help with to succeed.

Guide us, use us. That’s why we are here. And it’s how, together, we make good things happen.

© 2017 American Bankers Association. All rights reserved. Reprinted with permission.

ABA Webinars ABA Professional Development

Webinars...

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IRAs: Way Beyond the Basics Friday, December 1, 2017 10:00 a.m. – 12:00 p.m.

Strategic Loan Pricing Monday, December 4, 2017 1:30 p.m. – 3:30 p.m.

Loan Structure, Documentation & Compliance Training Monday, December 4, 2017 2:00 p.m. – 3:30 p.m.

Monitoring & Updating Real Estate Values: Part III Tuesday, December 5, 2017 8:30 a.m. – 10:00 a.m.

IRA Audit and Compliance Tuesday, December 5, 2017 10:00 a.m. – 12:00 p.m.

Global Cash Flow Analysis: Examples & More Part III Tuesday, December 5, 2017 10:30 a.m. – 12:00 p.m.

A Practical Guide to Consumer Lending: Part III Tuesday, December 5, 2017 1:00 p.m. – 2:30 p.m.

HMDA – Last Minute Update (Warning) Tuesday, December 5, 2017 1:30 p.m. – 3:30 p.m.

2018 Cybersecurity Forecast Wednesday, December 6, 2017 10:00 a.m. – 12:00 p.m.

Opening Accounts for High Risk Customers Wednesday, December 6, 2017 1:30 p.m. – 3:30 p.m.

Get Global: Understanding Global Cash Flow Thursday, December 7, 2017 1:30 p.m. – 3:30 p.m.

SAR Decision Making Thursday, December 7, 2017 10:00 a.m. – 12:00 p.m.

Agricultural Loan Documentation & Administration Friday, December 8, 2017 10:00 a.m. – 12:00 p.m.

CRE Lending: Cash Flow Analysis & Cap Rates Monday, December 11, 2017 1:30 p.m. – 3:30 p.m.

Notary Public Tuesday, December 12, 2017 10:00 a.m. – 12:00 p.m.

Excel Explained: Introduction to Spreadsheets Tuesday, December 12, 2017 1:30 p.m. – 3:30 p.m.

RESPA Section 8 Violations-They’re Back!

Wednesday, December 13, 2017 10:00 a.m. – 12:00 p.m.

E-Sign Compliance: Steps & Requirements for Loan Applications Wednesday, December 13, 2017 1:30 p.m. – 3:30 p.m.

Make the SSAE16 Work for You Thursday, December 14, 2017 2:00 p.m. – 3:30 p.m.

Unraveling: the Green Book and ACH Payments Friday, December 15, 2017 10:00 a.m. – 12:00 p.m.

Onboarding Your new Hire Monday, December 18, 2017 1:30 p.m. – 3:30 p.m.

IRS Information Reporting: Rules and Forms Tuesday, December 19, 2017 10:00 a.m. – 12:00 p.m.

Writing Business Account Procedures: New CDD Rules Tuesday, December 19, 2017 1:30 p.m. – 3:30 p.m.

CRE Lending in Today’s Economy Wednesday, December 20, 2017 10:00 a.m. – 12:00 p.m.

W-9, W-8BEN and W-8BEN-E New Updated Forms and Info Wednesday, December 20, 2017 1:30 p.m. – 3:30 p.m.

Coaching Tellers to Excellence Thursday, December 21, 2017 10:00 a.m. – 12:00 p.m.

Escrows Wednesday, December 13, 2017 1:30 p.m. – 3:30 p.m.

Compliance Perspectives: A Monthly Update Thursday, December 21, 2017 1:00 p.m. – 2:00 p.m.

EFT Thursday, December 14, 2017 10:00 a.m. – 12:00 p.m.

Current Expected Credit Losses (CECL) Wednesday, January 3, 2018 10:00 a.m. – 12:00 p.m.

For more information about ABA Webinars, log on to www.arkbankers.org or call 501.376.3741

November 2017 | The Arkansas Banker

7

Medical Marijuana is Coming

Is Your Bank Ready?

by Nathan Read Mitchell, Williams, Selig, Gates & Woodyard, P.L.L.C.

In 2018, Arkansas banks will face for the first time the prospect that job applicants and employees will produce a medical marijuana registry ID card approved by the Arkansas Department of Health (“ADH”) in response to a failed drug test. In fact, as of October 26, 2017, the ADH has already approved over 2000 applications for medical marijuana registry ID cards with additional applications pending. Although some applications have already been approved, the ADH has not yet begun to issue the medical marijuana registry ID cards to applicants. Registry ID cards will not be available for printing until one month prior to medical marijuana availability in Arkansas dispensaries. Cultivation and dispensary licenses are expected to be issued in 2018.

By now most Arkansas employers are aware that the Arkansas Medical Marijuana Amendment of 2016 (the “AMMA”) includes a non-discrimination provision directed at employers. The provision provides that: “An employer shall not discriminate against an applicant or employee in hiring, termination, or any term or condition of employment, or otherwise penalize an applicant or employee, based upon the applicant’s or employee’s past or present status as a qualifying patient or designated caregiver.”

Damages under the AMMA for an employment discrimination claim based on an applicant’s or employee’s past or present status as a qualifying patient or designated caregiver is capped in accordance with the statutory caps in the Arkansas Civil Rights Act. Liability for back pay is limited to no more than two years prior to the filing of an action and the period within in which an applicant or employee can bring such an action is one year from when the alleged discrimination occurred.

Faced with this potential liability and the projected influx of applicants and employees with medical marijuana registry cards into the workplace, how should Arkansas banks prepare? We recommend banks with Arkansas based operations take the followings steps: 1. Create Written Job Descriptions which Designate Safety Sensitive Positions within your Organization.

The AMMA permits employers to “exclude a qualifying patient from being employed in or performing a safety sensitive position based on the employer’s good faith belief that the qualifying patient was engaged in the current use of marijuana.” A safety sensitive position is in turn defined as “any position designated in writing by the employer as a safety sensitive position in which a person performing the position while under the influence of marijuana may constitute a threat to health or safety.” Creating written job descriptions which designate

certain jobs as “safety sensitive positions” permits employers to exclude job applicants and employees with medical marijuana registry ID cards from those positions.

2. Review and Update Your Employee Handbooks, and Drug Testing Policies and Practices.

Take the opportunity to revise your employee handbook to address the use of marijuana in the workplace.

Employee handbooks should make it clear that employees are not permitted to possess, smoke, ingest or engage in the use of marijuana while on the employer’s premises during the hours of employment. Likewise, employees should not be permitted to be under the influence of marijuana while on an employer’s premises or during the hours of employment.

Arkansas banks should also review their drug testing policies and procedures.

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The Arkansas Banker | November 2017

persons. For practical purposes a manager or supervisor deciding whether to administer a drug test to an employee must be able to identify not only the source of the information on which he or she is acting, but also why their reliance on the information is reasonable.

Documentation by the manager or supervisor will be critical.

Under the AMMA employers may continue to establish and implement a substance abuse and drug-free workplace policy that includes a drug testing program that complies with state or federal law and may take action with respect to an applicant or employee under such a policy. Banks which have yet to implement formal drug testing policies and procedures should do so.

Having such policies and procedures reinforces the employer’s prohibition on the use of marijuana in the workplace and communicates the consequences of either a positive test for marijuana or an applicant or employee’s refusal to be tested.

faith belief that the employee possessed, smoked, ingested, or otherwise used marijuana, or was under the influence of marijuana, while on the premises of the employer or during the hours of employment. It will be critical then for employers to demonstrate they have the necessary “good faith belief ” to warrant the administration of a drug test before taking action against the employee.

Managers and supervisors should not rely on a good faith belief alone to support taking action against an employee.

Rather, the observations of the manager or supervisor should be used to support the administration of a subsequent drug test.

3. Train Managers and Supervisors to Identify Employees Under the Influence with a Good Faith Belief Sufficient to Support the Administration of a Drug Test.

Under the AMMA “good faith belief ” means a reasonable reliance on fact and can be based on observed conduct, behavior or appearance, information reported by a person believed to be reliable, or written, electronic or verbal statements from the employee or other

Employers may only act against an employee so long as they have a good

Banks should also train their frontline supervisors and managers to identify when an employee may be under the influence of marijuana during their hours of employment. Physical symptoms from the use of marijuana could include impairment of the employee’s speech, walking, standing, physical dexterity, agility coordination, actions, movement, demeanor, appearance, clothing, and odor—all of which are listed in the AMMA. In addition, any symptom of the current use of marijuana that may negatively impact the performance of the employee’s job duties, or tasks or constitute a threat to health or safety constitutes being “under the influence” for purposes of the AMMA. The observation of these physical symptoms supports the administration of a drug test, which if positive supports the employer taking action against the employee assuming the proper policies are included in the employer’s handbook.

ABOUT THE AUTHOR

Nathan Read is Counsel at Mitchell, Williams, Selig, Gates & Woodyard, P.L.L.C. in Jonesboro.

He is an experienced litigator practicing primarily in the areas of labor and employment law, employment counseling and compliance, and wage and hour compliance. Read represents clients in state and federal court, in arbitration, and before state and federal agencies. He also advises clients in non-adversarial situations, counseling on matters such as obligations under the state and federal statutes to specific contractual duties.

November 2017 | The Arkansas Banker

9

MEGA CONFERENCE gets a BIG RESPONSE Bankers and vendors joined forces to kick off the ABA’s inaugural Mega Conference, held October 23-25 at the Marriott Hotel in downtown Little Rock. Throughout the three-day event, attendees enjoyed networking with peers from across the state and learning the newest banking trends during the job-specific tracks which included Agricultural Lending, Bank Executives, Leadership, Marketing, Security, Technology and Trust. In addition to the conference sessions, participants experienced a revamped trade show that offered the potential for more one-on-one time with vendors.

Event highlights included lunch speakers former NFL player Keith Jackson, who spoke on the importance of teammates and a good attitude along the road to success; NLF referee Walt Coleman, who stressed the need to turn “boos” into positivity; and the marijuana banking panel, which featured Kelly Good of the Federal Reserve Bank of Kansas City/ Denver Branch; Mary Robin Casteel, Director of the Arkansas Alcoholic Beverage Control Division; and John Vardaman, General Counsel for Hypur, a company who has helped financial institutions automate their marijuana banking regulatory compliance.

Utilizing banker feedback, the ABA hopes to continue to grow this Mega event. Here’s what bankers are saying about the Mega Conference: I liked the opportunity to network with several vendors during the breaks and enjoyed talking to other individuals in banking aside from just those that are in the Emerging Leaders. I had a great time at the Happy Hour and thought that it was extremely beneficial to gaining new networking contacts in the industry.

- Heather B. The “mega” format was efficient for our bankers and also gave us the opportunity for interaction among groups in the bank that typically don’t travel together. Really like the format. - Sean W. I was not aware this was the first time for an ABA conference of this type. I loved it and look forward to what next year may bring.

- Mike S.

THANK YOU TO OUR VOLUNTEERS

(Above) The most-attended event during Mega Conference was a lunchtime panel on marijuana banking, featuring representatives from the Federal Reserve Bank of Kansas City, Hypur, and the Arkansas Alcoholic Beverage Control Division.

(Right) Brant Ward, Signature Bank, Fayetteville; Jennifer Adase, Grand Savings Bank, Rogers; Natalie Bartholomew, Grand Savings Bank, Rogers; and Rachael Potter, Farmers Bank & Trust, Texarkana.

The success of this year’s Mega Conference hinged on our banker volunteers — a MEGA thank you to these individuals for taking time out of your schedule to support the ABA staff at this event!

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John Thomas Anderson, Malvern National Bank, Little Rock Natalie Bartholomew, Grand Savings Bank, Rogers Gene Crawford, Citizens Bank, Batesville Dave Dickson, Union Bank & Trust, Monticello Blake Fletcher, Stone Bank, Little Rock Lisa Jackson, First National Bank of Wynne, Wynne Randy Scott, Farmers Bank & Trust, Blytheville Mike Shepard, One Bank & Trust, Little Rock Sandy Starnes, Citizens Bank, Batesville The Arkansas Banker | November 2017

Past ABA Chairman Robert Taylor, Citizens Bank, Batesville; current ABA Chairman Dave Dickson, Union Bank & Trust, Monticello; and past ABA Chairman Sean Williams, First National Bank of Wynne, Wynne.

SNAPSHOTS November 2017 | The Arkansas Banker

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(Above) Bankers and vendors enjoyed a lively game of bingo during Tuesday evening’s networking event.

(Right) David Vickers, Merchants & Farmers Bank, Dumas, receives a gift card from Southern Pioneer’s drawing in the Trade Show. Pictured with Southern Pioneer representatives Matt Hyneman, Brian Hyneman, and Hal Hyneman.

THANK YOU TO OUR SPONSORS All Covered Mobile App Banner Ad

Federated Investors Elevator Wrap

Anovia Payments Mobile App Banner Ad

Mitchell, Williams, Selig, Gates and Woodyard, PLLC Networking Events

CRi Mobile App Banner Ad DataScout Pro Charging Stations Equias Alliance Hotel Keycards Mobile App Banner Ad 12

The Arkansas Banker | November 2017

NetGain Technologies Mobile App Banner Ad The Payroll Company Lanyards Quattlebaum, Grooms & Tull, PLLC Candy Basket

Kyle Cupp, Signature Bank of Arkansas, Fayetteville; Chris Welch, Signature Bank of Arkansas, Fayetteville; and Brant Ward, Signature Bank, Fayetteville.

(Below) Bankers with an interest in agricultural lending listen in as the American Bankers Association’s Edwin Elfmann gives an update on ag policy.

SNAPSHOTS

(Left) Andy Horton, Fidelity National Bank, Marion; Kirby Carlson, Fidelity National Bank, West Memphis; Kyle Schlenker, First National Bank of Wynne, Cherry Valley; and Mark Tiner, Union Bank & Trust, Monticello.

November 2017 | The Arkansas Banker

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SNAPSHOTS Scott Saffold, Union Bank & Trust, Monticello; Adam Starks, First State Bank, Lonoke; and James Lyle, McGehee Bank, McGehee.

THANK YOU TO OUR TRADE SHOW VENDORS Thanks to these companies for taking the time to share their products and services with #ARHometownBankers!

3E Software, Inc. / Teslar 3SI Security AAMSCO All Covered The ASA Group Bankers Healthcare Group BKD, LLP Broadridge Financial Collateral Valuation Consultants DD&F Consulting Group Equias Alliance Federal Protection

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The Arkansas Banker | November 2017

Financial Equipment Company The Johanson Group / DB Squared Mainstream Technologies Mainstreet Advisors NetGain Technologies OneDigital Health & Benefits Reich & Tang SBS CyberSecurity Southern Pioneer Insurance TPC - The Payroll Company Visible Equity Works24

(Above Left) Kirby Williams, Stone Bank, Mountain View; and Kevin Compton, Stone Bank, Mountain View.

(Above) Larry Casey, First Arkansas Bank & Trust, Jacksonville; Sheila DeArmond, First Arkansas Bank & Trust, Jacksonville; and Mike Hall, First Arkansas Bank & Trust, Jacksonville.

(Left) Joe Dan Stewart, Citizens Bank & Trust, Van Buren; and Brent Taylor, Citizens Bank & Trust, Van Buren.

November 2017 | The Arkansas Banker

15

Renovating a Bank, Revitalizing a

Community

With $331 billion in loans to small businesses and $175 billion in loans to farmers and ranchers, it’s no question that America’s banks help build thriving communities. Our country, and our state, is filled with examples of banks helping to build communities not only thrive, but flourish. This is the story of the northeast Arkansas town of Wilson.

Nestled along Highway 61, near the banks of the Mississippi, in the heart of cotton country, sits a bustling community, thriving in a region traditionally stricken by poverty. In fact, it was named among USA Today’s “Best Southern Small Towns” of 2017.

The village of Wilson began in the late 1880s, built as a home for employees of the Robert E. Lee Wilson family, who owned a logging and sawmill operation, and later a cotton operation. Compared to many “company towns” along the Delta, Wilson kept a high standard of

living, providing services and schools for residents.

The town’s Tudor architecture provides an eye-catching surprise as you roll along Highway 61. And if you weren’t already welcomed by the roof of the Wilson Cotton Gin, the quaint town square and grassy park are enough to make you feel like you’re standing in the center of Mayberry brought to life.

On the northeast corner of that square, sits a bank building that has stood since the early 1950s, originally housing the Bank of Wilson. Earlier this fall, Farmers Bank & Trust of Blytheville finished renovation on the building after purchasing it from Bancorp South in 2016. Keeping with the vintage theme of the town, the renovation centers around an Italian marble interior and teller cages that tie back to the old Liberty Savings Bank & Trust in Memphis.

The unique colored rust, beige, and white with streaks of lavender came from an Italian quarry that was exhausted in the early 1920s. These fixtures stood in the Liberty Savings Bank & Trust until the World War II era, when the bank was set to be torn down. At that time, the Bank of Wilson purchased the building

Farmers Bank President & CEO Randy Scott with the staff of the Wilson branch, Pam Senter, Sybil Gunn, and Jessica Nash. While the bank has been newly renovated, the Italian marble and vintage teller cages date back to 1908.

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The Arkansas Banker | November 2017

Meet “Boss Lee” Robert E. Lee Wilson (1865-1933)

with the sole purpose of utilizing the unique fixtures for its building in Wilson.

Interestingly, the Bank of Wilson was the final project of architect George Mahan – his first project had been the Liberty Savings Bank & Trust in 1908.

The renovation and re-decoration includes new fixtures and finishes, coordinating marble accents, historical photos from Wilson, and even some pieces of the town’s original form of currency. The design firm was careful to keep period touches, including arched doorways, but added an industrial feel with the tiled ceiling, sleek black and grey coloring, and some exposed beams, combining a contemporary twist with the traditional design of the building’s era.

buy it and build there,” Scott explained.

“The city council recently put in place some stricter zoning requirements to improve curb appeal for the entire town.”

Scott notes that it was only fitting that Farmers Bank expand to Wilson to help the rebirth of that community.

“We’re headquartered in Mississippi County – all of our branches except the Tennessee branches – are in Mississippi County. We branched west into Manila, and then it was natural for us to branch down south to Osceola or Wilson. With Gaylon’s headquarters in Wilson, it seems a natural fit for Farmers Bank,” he said.

R.E.L. Wilson began his agricultural empire while still in his teens. His unique blend of work ethic and imagination led him to be one of the most influential Arkansas landowners of his time.

He established the Bank of Wilson in 1908, which helped sustain his enterprises through a series of challenges including floods, droughts, and the Great Depression.

At the time of his death, Wilson’s plantation had grown to 65,000 acres.

Wilson’s predecessors, R.E.L. Wilson, Jr., and R.E.L. Wilson III continued in the mogul’s tradition of diversification and continued to grow the family business by expanding into seed and chemical companies, mills, and vegetable farming.

“It’s kind of like a step back in time, yet it’s very modern too,” said Randy Scott, President & CEO of Farmers Bank & Trust.

The retro-yet-modern feel extends throughout the town – from the restored gas station along Highway 61 (which isn’t a gas station any more, we’ll get to that later), to the housing.

“There’s been a lot of older, run down homes that have been torn down – that improved the neighborhood already – and then somebody will want to come in and November 2017 | The Arkansas Banker

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Click here to learn more about the Northeast Arkansas town of Wilson!

Gaylon is Gaylon Lawrence, Jr., whose family purchased majority shares of Farmers Bank in 1991, and is now the full owner of the bank. In 2010, Lawrence’s real estate company purchased 40,000 acres of farmland surrounding the town of Wilson, as well as the commercial buildings around the town square. Under the family’s guidance, and with the support of locals, Wilson has reached back to its roots to build a community for the community.

The Farmers Bank Wilson branch, which opened August 28, is staffed by three Wilsonites: Sybil Gunn, Pam Senter, and Jessica Nash.

“Our model is to keep local leadership, local control, local decisions. Because who knows the market better than people who live right here in the market as part of the community?” Scott noted. “We’re more of a local bank – we have a need for this community – and for this part of the county.”

“Being a hometown banker means

knowing the people in our community on a personal level. We know their families and share in events in their lives.

Knowing our customers personally helps us to understand their banking needs and enables us to provide that service to them,” Gunn said. She is a longtime banker whose husband owns and operates Gunn’s Supermarket, the grocery store in Wilson.

Senter and Nash were both born and raised in the area (Senter lives about 10 miles away in Keiser), and have a vested interest in the town’s success.

“Our bank has many years of homegrown banking experience and with that we are able to give personal assistance to individuals and businesses in our community,” Nash said. “That is something that you don’t see in larger towns. We as Farmers Bank get to be a part of building our community.”

The bank employees will tell you that hometown pride is nothing new to Wilson, and that the developments

around town have just enhanced what was already present.

“Recent improvements to Wilson have added more pride and enthusiasm to a town who already had a lot of pride.

Wilson has always been a great town to raise a family and live in. We are seeing more young people staying and moving to Wilson.”

Those young families are now able to stay because of an increase in the job market, due not only to the downtown revitalization, but also thanks to the new Big River Steel plant, which will employ 500 people when it is up and running. Another perk for families: the Delta School, a private school that takes a flexible, yet integrated approach to learning. The school itself draws in families from Jonesboro, Memphis, Marion, Blytheville, and beyond.

If you’re wondering what’s drawing people to Wilson, the answer is a lot.

Scott says that Wilson is almost like a “little tourist town” on the weekends, bringing people from Memphis, Little

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The Arkansas Banker | November 2017

Fast Facts About Wilson Wilson is located at the intersection of U.S. Route 61 and Highway 14, some 45 miles north of Memphis, Tenn.

The population of Wilson is right above 900. It has hovered near the 1,000 citizenmark since the 1990s.

Wilson is a part of the Great River Road, the Blues Highway, and the Americana Music Triangle. The Wilson Music Series brings quarterly concerts to town and has seen such names as John Oates, Phil Vassar, and Sammy Kershaw.

Rock, and other areas to eat at the café, check out the shops, and see the unique architecture.

Everyone is quick to mention the Wilson Café - the remodeled Wilson Tavern is run by two Memphis chefs, who put a modern twist on classic Southern meals.

Just like any other small town eatery, you can see the same lunch crowd filtering in on a daily basis.

And then there is the Hampson Archaeological Museum, which features a collection of artifacts that tell the story of native farmers who farmed the area. This museum has long been located on the north side of town, but will soon open in a new facility on the square.

Wilson Gardens is a four-season source for local produce, with greenhouses, garden space, orchards, and pastureland.

The staff at the garden utilize the outdoor classroom and interior demo kitchen to teach others how to grow and cook local foods.

White’s Mercantile, which now inhabits the old Wilson Gas Station, is a gift shop

While it was founded in the late 1880s, the town of Wilson was incorporated in the 1950s.

filled with unique treasures, including local jewelry and eats. It is owned by Hank Williams, Jr.’s daughter, Holly Williams.

Just down the road is the boyhood home of Johnny Cash in Dyess, the Hale Avenue Historic District of Osceola, and Arkansas State University’s Southern Tenant Farmers Museum in Tyronza.

“With the improvements, we have visitors to our town on a near daily basis. We are proud of the improvements, such as the new museum, café, music series, and more festivals and shops,” Senter said.

“We enjoy sharing that with visitors and newcomers.”

So there it sits – a modern utopia of sorts – living, growing proof that a hometown bank’s investment in community reaches far beyond a bottom line.

“Community banks play an important role in communities, and it is exciting for our bank to be a part of the rebirth of Wilson,” Scott said. “The anticipation of what this community will be like in five years and 20 years is exciting.”

A member of the Wilson family served as mayor of the town until 2010.

The town’s Tudor architecture was inspired

by Robert E. Lee Wilson, Jr.’s honeymoon in the English countryside during the 1920s. Buildings built after that point were done so in the Tudor style, and standing buildings were retro-fitted to match the theme.

Wilson is home to the Hampson Archaeological Museum, which houses artifacts from the nearby Nodena site.

This collection tells the story of a farmingbased civilization that lived along the banks of the Mississippi cultivating crops, hunting native game, and developing a strong art, religions, and political structure.

November 2017 | The Arkansas Banker

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MEMBER NEWS

Endorsed Vendor Offers Bank IT Services “Arkansas bankers are in an era of innovation in the way we provide value to our clients,” according to Barry Jackson, Senior Vice President and Chief Operating Officer of the Arkansas Bankers Association. “At the same time, we face an increasing regulatory burden.”

Seeking to provide guidance to its members about technology best practices, the ABA has endorsed NetGain Technologies to provide managed I.T. services to the state’s community banks.

“Our banks will benefit by having a trusted partner to help make technology more efficient and to improve our clients’ experience,” said Jackson. “We are excited to announce this partnership as we welcome NetGain to the ABA Endorsed Vendor group.”

The endorsement builds on the relationship the ABA has had with NetGain Technologies since 2014.

NetGain is uniquely qualified to work with banks in the region as an active member of banking associations throughout the company’s large regional footprint. The ABA joins the Kentucky Bankers Association, the Community Bankers of Michigan, and the Community Bankers Association of Ohio in endorsing NetGain’s Technology OneSource managed services to their members.

Additionally, NetGain is a member of the Missouri Bankers Association, the Alabama Bankers Association, the Tennessee Bankers Association, the Indiana Bankers Association, the Ohio Bankers League, the Community Bankers of West Virginia, and the Bluegrass Community Bankers Association.

Technology OneSource is a managed information technology service for

the financial and other professional industries. NetGain Technologies serves as the full-time I.T. department of banks across Arkansas and the Southeast region.

The customized solution encompasses 24x7 network monitoring, on-site support and maintenance, software updates, and around-the-clock help desk services provided by a team of U.S.-based remote support engineers and Arkansas-based field engineers. Technology OneSource offers a scalable technology solution at a fixed monthly fee, eliminating the need for growing banks to worry about I.T. hiring and staffing challenges or budget overruns.

Because community banks present a highly regulated and security-focused environment, NetGain Technologies has achieved SOC 2 Type II certification to better protect the security, integrity, availability, confidentiality, and privacy of client data. Technology OneSource additionally offers on-site support

to banks as they undergo regulatory compliance reviews. NetGain’s experts stand shoulder-to-shoulder with financial clients during the actual audit.

The Technology OneSource program additionally offers standard and upgraded security services, including a vCSO (virtual Chief Security Officer) role, that are especially beneficial to financial organizations.

Brendan Jacobson, president of NetGain Technologies, said, “We are excited to be endorsed by the ABA. We have been serving banks in Arkansas and across the Southeast U.S. for years.

Jacobson Receiving this endorsement is a testament to our ability to effectively manage community banks’ IT. I hope this endorsement will allow us to help more banks in the region navigate the regulatory requirements that they face.”

Save the Date a Celebrate

t STATE OF BANKING ARKANSAS BANKERS ASSOCIATION ANNUAL CONVENTION April 2-4, 2018 | The Robinson Center, Downtown Little Rock www.arkbankers.org/Convention.aspx

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The Arkansas Banker | November 2017

Southern Bancorp Honored with Civic Award Southern Bancorp and Southern Bancorp Community Partners was honored on October 19 with the 2017 Marie Interfaith Civic Leadership Award. This annual award recognizes leaders who mobilize people of different faiths and different segments of the community to address important issues and challenges facing Arkansas. Founded to help strengthen undeserved communities through financial access and investment, Southern Bancorp combines traditional banking and lending services with financial development tools ranging from credit counseling to public policy advocacy.

Pictured are ABA Chairman Dave Dickson and Southern Bancorp CEO Darrin Williams following the awards ceremony, which included remarks from Julie Stackhouse of the Federal Reserve Bank of St. Louis.

Survey: 9 in 10 Americans Rate Bank Service “Good” or “Excellent” Nine in 10 Americans with a bank account (89 percent) rate their bank’s service and support as “good,” “very good” or “excellent,” according to a new survey conducted by Morning Consult on behalf of the American Bankers Association. The same number say they are satisfied with their primary bank.

The survey also asked consumers to identify up to three attributes they value most about their bank. The top five responses include customer service (50 percent), location (43 percent), little or no fees (38 percent), security of account and personal information (38 percent) and tech advancements such as mobile/online account access (21 percent).

“America’s banks have embraced a customer-centric model that emphasizes streamlined and user-friendly experiences,” said Nessa Feddis, AmBA’s senior vice president and deputy chief

counsel for consumer protection and payments. “Industry innovations have made it easier than ever for consumers to manage their money and make payments.

Banks’ hard work to meet and exceed customers’ expectations has had a clear impact.”

Yes – 89 percent No – 7 percent Don’t Know/No Opinion – 4 percent

When asked “On a scale of 1-5, where ‘5’ is excellent and ‘1’ is poor, how would you rate your primary bank in terms of service and support?” those with a bank account provided the following responses: Excellent – 36 percent Very Good – 33 percent Good – 20 percent Fair – 7 percent Poor – 2 percent Don’t Know/No Opinion – 2 percent When asked “Are you satisfied with your primary bank?” respondents who have a bank account provided the following responses:

When asked to identify up to three attributes they value most about their bank, consumers selected the following attributes: Customer service – 50 percent Location, such as access to branches – 43 percent Little or no fees – 38 percent Security of my account and personal information – 38 percent Technological advancements, such as mobile and online account access or mobile check deposit – 21 percent Reputation – 15 percent Range of services offered – 13 percent Rewards and promotions – 9 percent Don’t Know/No Opinion – 3 percent None of these – 2 percent

November 2017 | The Arkansas Banker

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BANKER NEWS & MOVES STATE BANK DEPT. NEW HIRES & PROMOTIONS The Arkansas State Bank Department has hired two specialty examiners, one in the Information Systems division and one in our Trust division.

attended the business school at the University of Texas and graduated from Texas Christian University.

Chase

Mathis

Elliot Hartle will be a Bank Examiner Trainee in the Information Systems Division while Lance Black will be a Bank Examiner Trainee in our Trust Division.

Lance Black graduated from Oklahoma Wesleyan University, Bartlesville, Oklahoma in 2013 with a Bachelor of Science degree with a Major in Financial Economics. He broadened his education by obtaining a Juris Doctor at the UALR William H. Bowen School of Law in 2016.

Prior to joining ASBD, Elliot Hartle obtained his Bachelor of Business Administration Finance from the University of Central Arkansas in 2009. Hartle is a military veteran with ten years of experience in customer service, five years of experience as a professional aviator, one year experience as FINRA registered representative and insurance field underwriter.

Black and Hartle joined ASBD on September 18, 2017 and will be stationed out of the Little Rock office.

Welch

Lambert

22

On August 1, Johnathon Welch and Scott Lambert were promoted to Commissioned Senior Examiners.

Davis

Morgan

The Arkansas State Bank Department promoted Adam Chase, Kelly Davis, Wes Mathis and Wynne Morgan to Bank Junior Examiners effective September 24, 2017.

Futrell

Park

Joel Futrell and Daniel Park were promoted to Assistant Bank Examiners effective October 3, 2017.

Teubner previously served as a director of Southwest Bancorp, Inc., which Simmons also acquired on October 19, 2017.

He is the founder and chief executive officer of HostBridge Technology, LLC, an Oklahomabased technology firm. He previously served as president of Esker, Inc. and as director of Esker Software. Mr. Teubner is a director of the OSU Center for Innovation and Economic Development and an advisory council member for the OSU Museum of Art. He is a graduate of Oklahoma State University.

“We are grateful that Tom and Russ have agreed to serve as directors of Simmons,” said George Makris, Jr., Simmons’ chairman and CEO. “Tom is an accomplished executive with expert knowledge of the Texas real estate market. Russ is a successful IT entrepreneur who has valuable experience developing and working with cutting-edge technology. Both of these individuals will play important roles in our company as we continue to expand into new markets and enhance our products and services.”

SIMMONS FIRST NATIONAL CORPORATION ADDS TWO TO ITS BOARD CITIZENS BANK OF DIRECTORS PROMOTES MCKAY, Simmons First National Corp. has CRIDER TO STRENGTHEN announced the appointment of CALL CENTER Tom Purvis of Fort Worth, TX, and Russell Teubner of Stillwater, OK, to its board of directors.

Purvis previously served as a director of First Texas BHC, Inc., which Simmons acquired on October 19, 2017. He is a real estate broker and president of Continental Real Estate, Inc., a Texas-based commercial real estate company. He also serves as managing partner to a portfolio of real estate assets and consulting ventures. Mr. Purvis is a member of the boards of directors of Streams & Valleys Inc. and the Fort Worth Zoo. He

The Arkansas Banker | November 2017

Citizens Bank has promoted Rhonda McKay and Amanda Crider to manage and enhance the operations of the bank’s Call Center. McKay has been named Vice President - Call Center Manager. Crider has been promoted to Assistant Vice President - Call Center Coordinator.

“Rhonda McKay has been instrumental in the advancement of our Call Center, providing Call Center personnel with the resources necessary to help customers who have

questions or concerns about their account relationships with the bank,” said Janet Moore, Senior Vice President and Chief Operations Officer. “Amanda Crider has developed an extensive base of knowledge about bank operations, and strives every day to apply that knowledge to benefit and assist our customers in every way she possibly can.”

Rhonda McKay began her banking career at Citizens Bank in 2008, and became the Account Services Manager in 2012. She graduated from the Barrett Graduate School of Banking in Memphis in 2015.

She and her husband, Glen, live in Batesville, and have five grown children and 11 grandchildren.

They attend Cushman Baptist Church where Glen is Pastor.

Amanda Crider joined Citizens Bank in 2005 as an Account Processing Clerk, and was elevated to Call Center Coordinator in 2016. She graduated this year from the Batesville Area Chamber of Commerce’s Leadership Program, and also the bank’s EDGE Program, which develops the leadership and performance skills of employees. She and her husband, Shane, live in Batesville with their daughters, Macy and Carson. The family attends Fellowship Baptist Church.

“Rhonda McKay and Amanda Crider are major assets to Citizens Bank,” said Phil Baldwin, President and Chief Executive Officer. “These promotions are well deserved, and we look forward to their continued leadership as the Call Center addresses the needs of our customers.”

SCHRODT PROMOTED TO EVP Jeff Lynch, President and CEO of Eagle Bank and Trust, announced the promotion of Michelle Schrodt to Executive Vice President and Chief Retail Officer. A 26 year banker, Michelle joined the bank in January 2017 as Senior Vice President of Retail Banking after serving as Regional Consumer Banking Manager of a large Regional Bank located throughout the Southeastern United States.

She will continue in her role managing the Retail/Consumer Division of the bank, fostering operational efficiencies and exceptional customer service throughout the bank’s 14 locations in Central and North Central Arkansas. Her responsibilities will also include staffing, training, product development, retail sales and all other aspects of the bank’s branch network.

Schrodt, a native of Deming, New Mexico is a graduate of Deming High School, The Western States School of Banking at the University of New Mexico, and she is Six Sigma Certified. She was a member of the Board of Directors of Junior Achievement of Chattanooga, Tennessee from 2014-2016 and a member of the 2017 annual fundraiser committee for the Ronald McDonald House in Little Rock.

She and her husband, Martin reside in Little Rock and attend Christ the King Catholic Church. They are the proud parents of a daughter, a student at the Little Rock Christian Academy.

DALE FORD JOINS GRAND SAVINGS BANK Grand Savings Bank is pleased to announce the hiring of Dale Ford as Vice President, Deposit Training Coordinator.

Ford has been in banking for close to 10 years starting as a teller and most recently served as Assistant Vice President and Branch Manager. He attended Northwest Arkansas Community College and the University of Arkansas. He served as Chair of a local student bank board for five years and volunteered for Main Street Rogers for over 10 years.

with what he brings to the table and know both our customers and team members will benefit from his hire.” said Guy Cable, Grand Savings Bank CEO.

WAGNER, FLETCHER TAKE ON REGIONS RELATIONSHIP MANAGEMENT ROLES Regions Bank has announced the promotion of Bryan Wagner and the hire of Brock Fletcher, both in the Jonesboro market.

Bryan Wagner will be the Agri Banking Relationship Manager, serving Jonesboro and the surrounding area.

Brock Fletcher will serve as Commercial Banking Relationship Manager for Jonesboro and the surrounding areas. He previously worked at Southern Bank.

TUTT JOINS ARVEST BANK MORTGAGE TEAM IN BENTON Arvest Bank is pleased to announce Mary F. Tutt has been hired as a mortgage loan officer.

Tutt will be based out of Benton. Among other responsibilities, Tutt will qualify customers for mortgage financing and meet with builders, realtors, financial planners and other entities to help create new business.

A Memphis native, Tutt has more than 30 years of industry experience. She moved to Arkansas in 2005, after she was forced to evacuate her home in Long Beach, Miss., due to Hurricane Katrina.

“We are so excited to welcome Mary to our team in Saline County,” Arvest mortgage manager Eric Cullum said. “Her years of experience will be a great asset to our customers, and we look forward to her helping us continue to grow in this area.”

Tutt lives in Malvern.

“Dale is an excellent addition to our growing team at Grand Savings Bank. We are thrilled

November 2017 | The Arkansas Banker

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2017-2018 Arka

BANK DIREkersCTAssoORciation Y nsas Ban

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2017-18 Arkansas Bank Directory Order Form

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