GCFM Spring 2026 Magazine

GEORGIA COMMUNITIES FIRST SPRING 2026

FROM MAIN STREET TO CAPITOL HILL

Is your community bank thriving?

Meet Scott.

Scott works hand-in-hand with community banks in the Southeast to find ICBA member benefits that help them achieve their bank’s goals.

When he’s not exploring new ways to connect with bankers, he’s spending time in the great outdoors, hiking, camping, and adventuring.

Let Scott help you explore all the many options ICBA has to offer your community bank.

Learn more at icba.org/membership

CONTENTS

F E AT U R E S Spring 2026 3.

FROM THE PRESIDENT’S DESK: All Politics are Local

4.

FLOURISH: Let’s Continue the Course in the New Year

CBA STAFF John McNair President & CEO john@cbaofga.com

ADVO CACY

PROFESSIONAL DEVELOPMENT

5.

9.

Stablecoins, Regulatory Relief, Lead a Congressional Sprint in 2026

11. Why Showing Up Matters: Advocacy Beyond the Desk

Preparing the Modern Front Line CBA Universal Banker Certification Series

17. Are You Ready to Lead in 2026?

CBA LEAD On | June 11-12, 2026 Jekyll Island

23. Upcoming Advocacy Events Building Connections. Driving Advocacy.

SP OTLIGHTS 18. CONNECT 2026 Register Now! 37. Beyond the Bank - Matthew Lynch The Banker Behind the Bookstore

Lori Godfrey Chief Operating Officer lori@cbaofga.com Lindsay Greene Director of Development lindsay@cbaofga.com

25. Fraud Prevention and Detection Academy

Ellen Shea, CMP Director of Association Services ellen@cbaofga.com

27. Investing in Tomorrow: CBA’s 2026 Scholarship Programs Now a LEAD Board Initiative

Gwen Lanaghan Accounting Manager gwen@cbaofga.com

28. ICBA 2026 Educational Events 33. Unlock Your Leadership Potential 2026 Series for Managers and Supervisors MEMBER SERVICES

Becky Soto Professional Development Manager becky@cbaofga.com Michele Doyle Member Experience Manager michele@cbaofga.com

19. Square is Coming After Your Depositors 29. Off and Running 35. AI in Marketing for Community Banks

ON THE COVER: Showcasing how Main Street voices help shape conversations on Capitol Hill, highlighting the powerful relationship between community banks and the decisions made in the nation’s capital.

S TAY CONNECTED

@CBAofGeorgia

@company/cbaofgeorgia

Community Bankers Association of Georgia 1640 Powers Ferry Road SE, Building 28, Suite 100, Marietta, GA 30067-1425 (770) 541-4490 or (800) 648-8215 • Fax (770) 541-4496 | www.cbaofga.com • cba@cbaofga.com S p ri n g 2 02 6 | G e o r g i a C o mmu n ities Fir s t | 2

FROM THE PRESIDENT’S DESK John McNair President & CEO Community Bankers Association of Georgia

All Politics are Local As we head into spring, I hope 2026 has gotten off to a great start for you. As always, the year seems to be moving quickly as important issues begin to take shape.

2026 is a massively important political year. In Georgia, every major office will see change, and on a national level, every House seat is up for election. Additionally, Georgia has a major race for one of our two Senate seats, as Sen. Ossoff is up for re-election.

For the community banking industry, the stakes could not be higher. Under the Trump Administration, we are seeing a regulatory reset that is creating certainty for community banks and enticing capital to flow into both existing and new charters. The key question is whether this environment will continue after the November election—or will the political winds shift again? This is why you need community bank–only advocates such as ICBA at the federal level and CBA at the state level.

As single-constituent advocates, ICBA and CBA function as a team to promote policy positions that support community banks. Neither association receives dues revenue from large banks; therefore, they are not beholden to positions that often conflict with what is best for community banks. At the federal level, ICBA is in Washington, D.C. every day, constantly meeting with legislators and regulators to tell the community bank story.

CBA reinforces this messaging back home with our member banks and our legislators because, as we all know, all politics are local. I have personally seen how this hand-in-glove relationship produces tangible results for our members.

As community bankers and constituents, your role in this process is essential. A few thoughts from a grizzled association veteran for your consideration: z Reach out to your federal and state legislators: Get to know them, invite them to your bank, and host meetings with your best customers and employees. z Understand the candidates’ positions: Thank them when they are supportive; challenge them when they are not. z Know where your association PAC dollars are going: Which candidates are being supported and why? How are the dollars being used? z Encourage your customers and employees to get engaged: Their businesses and careers are impacted by every election.

Last but certainly not least, I strongly encourage you to join us for the ICBA Capital Summit, May 4–7 in Washington, D.C. Your active support and participation truly make a difference.

Thank you for your support of both CBA and ICBA!

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CONNECTED Rebeca Romero Rainey President & CEO Independent Community Bankers of America

Flourish: Let’s Continue the Course in the New Year Each day in community banking seems to dawn with a new issue, but taking a step back, our challenges are all in a day’s work. The common theme among all our battles is that they aren’t new; they are ones we’ve faced for decades, just with new faces.

For example, whether we’re talking about credit unions, industrial loan companies (ILCs) or crypto firms, we’re battling against entities trying to call themselves “banks” without a level playing field and the rules to support it. While their models and approaches might look a little different from one another, the core issue remains the same.

Our focus, as it always has been, is to address unfair advantages, advocate for the mission of community banking and center on ways we can better support our local communities. How, amid these battles, will we retain capital to serve our local communities?

That answer stands at the core of all of our positions.

Supporting your community through ICBA’s core pillars As the landscape around us changes, so, too, do our opportunities.

Knowledge is power, and being armed with the right information gives us the ability to address new potential.

That’s why ICBA Education offers ways to support you in deepening your understanding of pivotal subjects.

Having fuller insights into technologies like digital assets and stablecoins, AI and more will unveil ways to institute proactive strategies at your community bank.

Of course, innovation also plays a key role in supporting our communities, so ICBA Innovation continues to seek out providers that build solutions for community banks. We work to introduce options that help you to achieve your goals in line with what makes sense for you and your market.

One topic at a time In some ways, it’s reassuring that today’s issues are a varietal of what we have faced for years, but there is no question that the pace of change has accelerated. It is more important than ever to ensure you, your team and your board are actively engaged in these conversations and leveraging the power of the tools ICBA provides. Just as I’m certain that 2026 will introduce new issues, I also know that as a community of community banks, we are prepared to tackle them together, one topic at a time.



On the advocacy front, we continue to ensure clear pathways for community banks to engage with rulemakers. We will drive conversations with Congress, the administration and regulators as we continue to protect the distinction between community banks and other entities.

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ADVOCACY Paul Merski Executive Vice President of Congressional Relations Independent Community Bankers of America

Stablecoins, Regulatory Relief, Lead a Congressional Sprint in 2026 Following 2025’s transformative year in advocacy featuring significant tax and regulatory relief for community banks, the congressional agenda this year is about addressing numerous outstanding policy priorities in a condensed timeframe due to this year’s midterm elections.

Guided by our mission of creating and promoting an environment where community banks flourish, ICBA’s congressional efforts will again require dedicated engagement to finish the job on a variety of measures that policymakers teed up last year.

Interest-paying stablecoins and market structure legislation With Congress crafting legislation to establish a regulatory framework for digital assets markets, one of ICBA’s most urgent priorities is ensuring lawmakers bar crypto exchanges and other intermediaries from paying interest, yield, or rewards on payment stablecoin holdings.

Our analysis of industry research shows why this is a key priority—continuing to allow crypto intermediaries to pay interest or yield on payment stablecoin holdings could reduce community bank lending by $850 billion due to a $1.3 trillion reduction in the industry’s deposits, significantly diminishing access to credit in local communities.

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With the Senate working on this now, ICBA is encouraging community bankers to weigh in with their lawmakers via our Be Heard grassroots action center.

Finalizing community bank regulatory relief Community bank regulatory relief remains a driving force for ICBA advocacy, and this top-level priority received a significant boost with the recent introduction of the ICBA-supported Main Street Capital Access Act (H.R. 6955).

The legislation from House Financial Services Committee Chairman French Hill (R-Ark.) and Financial Institutions Subcommittee Chairman Andy Barr (R-Ky.) packages numerous pro-community bank bills the committee advanced last year as part of its “Make Community Banking Great Again” initiative.

For instance, the legislation includes provisions to tailor regulations to the lower risk profile of community banks, ease excessive capital requirements, support the formation of new community banks, ensure fair reviews of agency examinations, offer relief at the holding company level, promote bank-fintech partnerships, and more. [continued]

ADVOCACY continued from previous page... Stablecoins, Regulatory Relief, Lead a Congressional Sprint in 2026 ICBA has worked closely with the committee every step of the way, with ICBA President and CEO Rebeca Romero Rainey last year testifying at the committee’s first hearing of the 119th Congress and joining committee leaders for a kickoff event for H.R. 6955. We look forward to continuing to work with Congress and the administration to get this important legislation over the finish line.

Support for agriculture and rural communities Policies affecting the agriculture sector and rural communities will remain critical in 2026 following last year’s passage of the ICBA-advocated ACRE Act tax exclusion for agricultural lending.

The ACRE Act policy allows lenders to exclude from gross income 25% of the interest they receive from loans secured by rural or agricultural real property. ICBA and its affiliated state associations, with the support of congressional offices, are pressing Treasury to ensure its rules implementing this exclusion apply to as many agricultural loans as possible.

Meanwhile, ICBA continues urging passage of a new farm bill that will provide ample funding for commodity programs and crop insurance, support quicker loan approvals on USDA guaranteed loans, streamline paperwork requirements, and reject proposals to expand the Farm Credit System’s tax and regulatory advantages.

Budget battles and preserving industry stability Following last year’s government shutdown and ongoing budget battles in Washington, ICBA remains focused on ensuring pro-Main Street programs continue to receive the funding they need in the year to come. That includes preserving federal resources for the Small Business Administration, Community Development Financial Institutions Fund, and National Flood Insurance Program.

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Meanwhile, ICBA continues working to advance policies to promote industry stability, such as deposit insurance reforms that support consumer and investor confidence while offsetting the too-big-to-fail guarantee. While 2025 offered an important starting point to the deposit insurance debate, ICBA-advocated bills to raise thresholds for holding custodial deposits (H.R. 5317) and reciprocal deposits (H.R. 3234) have passed the House Financial Services Committee by wide margins and are key provisions of the Main Street Capital Access Act. Parity with credit unions also continues to gain momentum amid a surge in acquisitions of community banks. ICBA last year issued an analysis showing how these acquisitions are harming local communities, including in the high-poverty areas credit unions are subsidized to serve. This data and ICBA’s call for policymakers to end the federal tax exemption for credit unions with $1 billion or more in assets has contributed to a wave of negative credit union attention in the news media and on Capitol Hill—offering a critical opening for long-sought reforms.

A race to the finish If 2025 was a transformative year in community banking policy, the year ahead will be a sprint to ensure highpriority policies teed up by lawmakers get across the finish line. Through it all, community bankers can count on ICBA to provide news, information, and grassroots resources to ensure our agenda is heard loud and clear in our nation’s capital all year long.

[Photos courtesy of ICBA]

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PROFESSIONAL DEVELOPMENT

Preparing the Modern Front Line CBA Universal Banker Certification Series The role of the retail banker is rapidly evolving. As in-branch transactions decline and technology continues to reshape how customers interact with their financial institutions, banks are operating with leaner staffing models and higher expectations for front-line performance. Today’s Universal Banker must do far more than process transactions—they must deliver exceptional service, anticipate needs, manage risk, and build lasting client relationships.

The CBA Universal Banker Certification Series is designed to meet this moment. This four-session certification program equips front-line retail team members with the knowledge, mindset, and practical tools needed to succeed in a modern banking environment. The series helps bankers confidently transition from traditional order-taking roles to proactive problem-solvers and trusted advisors who add value at every client interaction.

Throughout the program, participants will develop skills critical to delivering consistent, high-quality service while supporting profitability and relationship growth. The curriculum emphasizes client-focused conversations, quality referrals, effective risk management, and relationship-building strategies that strengthen loyalty across both traditional and digitally savvy customer segments.

Each session incorporates practical job aids, real-world scenarios, examples, and checklists that participants can immediately apply in their day-to-day roles. This hands-on approach ensures learning translates directly to improved performance on the front line.

PROGRAM SESSIONS SESSION 1 – MARCH 25: THE NECESSITY OF UNIVERSAL BANKING This foundational session explores why the universal banking model is no longer optional. Participants will gain a clear understanding of how evolving customer expectations, staffing realities, and technology have reshaped the front-line role—and how universal bankers create value in this new environment.

SESSION 3 – MAY 13: VALUE ADDED BANKING Moving beyond transactions, this session teaches participants how to identify opportunities, uncover client needs, and provide meaningful solutions. Bankers will learn how to add value through effective conversations that benefit both the customer and the institution.

SESSION 2 – APRIL 21: THE BRANDING DIFFERENTIATOR In a competitive marketplace, the front line plays a critical role in delivering the bank’s brand promise. This session focuses on how universal bankers can consistently represent their institution’s brand through service, communication, and client experience.

SESSION 4 – JUNE 24: BUILD QUALITY RELATIONSHIPS Long-term success in retail banking is built on trust and relationships. This final session focuses on strategies to deepen relationships, build loyalty, and create profitable, long-lasting client connections.

Participants who complete all four sessions will earn a Certificate of Completion, recognizing their commitment to professional growth and excellence in retail banking.

The CBA Universal Banker Certification Series prepares front-line professionals to thrive in today’s dynamic banking environment, delivering outstanding service, supporting institutional goals, and strengthening customer relationships at every touchpoint.

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THE POWER OF LEGAL KNOWLEDGE®

ADVOCACY Lori Godfrey COO, Government & Regulatory Relations, Community Bankers Association of Georgia

Why Showing Up Matters: Advocacy Beyond the Desk When I first began working with CBA, I underestimated the value of our bankers traveling to Washington D.C. to advocate for issues that are talked about every day within our community banks and amongst their peers. Now, I greatly appreciate the need to increase the number of bankers that join us from Georgia. Independent Community Bankers of America (ICBA) hosts a Capital Summit every year in the April to May time frame for community bankers across the country. My first year attending the Summit was very eye-opening and really made me understand the power of numbers and the importance of standing together to say the same message. This year will mark my 10th year participating in the Summit and I look forward to this trip more each year.

While the sheer volume of community bankers all in one location for the same purpose is incredible, ICBA’s coordination efforts to prepare the attendees for these visits is even more impressive. Mani Swarnam, Community Bank Market President, of Georgia Banking Company, Atlanta, stated that he “appreciated the great orientation session (especially for first time attendees) during day one to educate us on what to expect on our

day on the hill, how to effectively deliver our industry’s hot button issues/concerns and how to close with specific asks of support or vote on specific issues.”

Brian Robinson, Senior Lending Officer, of Century Bank & Trust, Milledgeville stated “the biggest surprise was how well ICBA equips you—quickly and effectively—to feel confident meeting with respected lawmakers. On my first day, I walked in unsure of what to expect or how the process worked. I left with a clear understanding of the issues we were there to present and the confidence to advocate for community banking.”

ICBA federal advocates are the boots on the ground in Washington D.C. each and every day and sometimes they need to call in the troops to show their strength in numbers to the legislators. Mani Swarnam stated “the fact that community bankers from around the country all came together the same day to show strength in numbers to our law makers was very encouraging to see, particularly considering the lobbying that the credit unions do.”

What I have learned over the years is the value of the constituent’s voice with their legislators. The bankers are [continued]

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ADVOCACY continued from previous page...

Why Showing Up Matters: Advocacy Beyond the Desk

talking about the communities that they serve and the direct impact a specific action may have on their banks, employees, and communities. This message really resonates with the lawmakers. Brian Robinson stated “I enjoy the unfiltered access to decision makers in my home state. You get the chance to sit one-on-one with Senators, Representatives, and their staff to discuss real-world challenges and concerns facing community banks today. Equally valuable are the connections built with fellow bankers who are navigating the same issues you are.”

Over the years, Georgia community bankers have joined CBA staff to make the trip to Washington D.C. to participate in this event. But why should you join us this year?

Frank Griffin, President and CEO, of Flint Community Bank, Albany stated that “the Summit is one of the most meaningful events on the calendar each year because it gives community bankers a direct seat at the table in Washington. We talk constantly about advocacy, but at the Summit you can actually see it and feel it—real conversations with lawmakers, real opportunities to influence policy, and real reminders of why our voice matters. When we show up in person, it reinforces the fact that community bank are essential to the strength of small towns and local economies.”

Taking time away from your bank to join the group is taking you away from making money for your bank and you may wonder if you will really be able to accomplish anything. Brian Robinson stated “some accomplishments may not be immediate, but my strong takeaway was this: every single lawmaker we met understood how vital community banking is to every corner of America. That shared understanding is meaningful progress.”

Frank Griffin stated “I’ve always felt that we accomplish two things at once: we educate and we unify. Members of Congress hear from the people actually doing the work back home every day. For us bankers, the Summit strengthens relationships and aligns us around the issues that matter most. You leave with a better sense of direction and a renewed commitment to the industry.”

Outside of our hike on the hill, ICBA provides opportunities to hear speakers on hot topics and ways to connect with other community bankers from across [continued]

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ADVOCACY continued from previous page...

Why Showing Up Matters: Advocacy Beyond the Desk

the country. CBA and its vendor partners host dinners for the Georgia delegation on two different nights where you will eat some delicious food with your peers. When asked what he enjoyed the most about the Summit, Frank Griffin stated “I enjoy the energy and purpose everyone brings. It’s one of the few gatherings where you can have a policy discussion with a senator in the morning, learn from peers during the day, and reconnect with old friends that evening. There’s a sense of camaraderie that you don’t always experience at other conferences.”

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PROFESSIONAL DEVELOPMENT

Are You Ready to Lead in 2026?

CBA LEAD On | June 11–12, 2026 | Jekyll Island Leadership in community banking has never mattered more. As the industry continues to evolve, Georgia’s community bankers are being called upon to lead with clarity, confidence, and purpose—both within their institutions and across the communities they serve.

That’s why the Community Bankers Association of Georgia invites bankers from across the state to attend CBA LEAD On 2026, a premier leadership development experience taking place June 11–12 on Jekyll Island. More than a conference, LEAD On is a transformational event designed to cultivate the next generation of community banking leaders.

A Leadership Experience Built for Georgia’s Community Bankers CBA’s Leadership Development Programs are rooted in lifelong learning and intentional growth.

LEAD On brings that mission to life through a dynamic blend of professional development, selfreflection, peer engagement, and industry insight—all tailored specifically for community banking professionals in Georgia.

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Participants will engage in hands-on, interactive sessions that sharpen leadership skills while fostering personal empowerment and confidence. From strengthening communication and team management to navigating conflict and leading through change, LEAD On equips bankers with practical tools they can immediately apply back at their institutions.

Just as importantly, LEAD On creates space to step back from daily demands and reflect—on goals, strengths, and opportunities for growth. This intentional pause allows participants to reconnect with their purpose and return to their organizations ready to lead with renewed focus and impact.

Connections That Matter One of the most powerful aspects of LEAD On is the opportunity to build meaningful connections.

Attendees network with fellow community bankers, mentors, and industry leaders who share a deep commitment to strengthening Georgia’s community banking sector.

These relationships often extend far beyond the event, providing ongoing support, perspective, and collaboration.

For many, those connections are what make LEAD On truly unforgettable.

“After 25 years in banking, I can confidently say the Community Bankers of Georgia LEAD On Conference is one of the most impactful events I attend. The speakers are insightful, the content is forward-thinking, and the connections you make are invaluable.

It’s a powerful reminder that if you’re not learning and looking ahead, you’ll be left behind. This conference continues to challenge and grow me— both as a leader and as a contributor to my bank’s long-term success”, said Jonathan Pope, Main Office President and Commercial Lender for Exchange Bank in Milledgeville, GA. Leadership That Translates Back Home LEAD On isn’t about theory—it’s about growth that sticks. Participants consistently return to their banks with greater confidence, stronger communication skills, and a deeper understanding of how to lead others effectively. [continued]

continued from previous page... Are You Ready to Lead in 2026?

“The LEAD On retreat has given me a chance to discover something new not only about myself, but about the community banking industry from other leaders. Networking with others at the retreat has helped enhance my own communication and management skills, which I am then able to bring back to my own bank to mentor others.

The classes and interactive sessions are a great way to gain experience in a structured environment where you can ask questions, discuss, and dive deeper into topics that you may have previously lacked confidence or understanding”, shared Kasey Blackburn, Senior Vice President of Family Bank in Pelham, GA.

Lead Forward in 2026 If you aspire to be recognized as a leader within your organization—and within Georgia’s community banking landscape—LEAD On 2026 is your next step. This immersive experience empowers bankers to grow professionally, lead authentically, and contribute meaningfully to the future of community banking in Georgia.

Take the next step in your leadership journey with CBA’s LEAD On program—where Georgia’s community banking leaders are born.

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SPOTLIGHT

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MEMBER SERVICES

Square is Coming After Your Depositors In today’s rapidly evolving financial landscape, traditional banks face a formidable new challenge: Square. Once known primarily as a sleek point-of-sale solution for small businesses, Square has evolved into a full-scale financial services provider. Through Square Checking, Square Savings, and Square Loans, the company is aggressively targeting the very business customers that financial institutions rely on for deposits, loan growth, and long-term relationships.

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Square Financial Services: A New Kind of Competitor Square Financial Services, Inc., an FDIC-member institution headquartered in Salt Lake City, Utah, operates with just one physical branch yet holds approximately $882 million in assets. Since October 2013, Square has originated more than $24.5 billion in loans. Its checking accounts are offered through Sutton Bank, an Ohio-based institution with roughly $1.5 billion in assets. While Square’s physical footprint is minimal, its influence is substantial—driven by intuitive digital tools and deep integration into merchants’ daily operations.

Why Square Is So Attractive to Business Owners Square’s success is rooted in simplicity and speed. The platform positions itself as an all-in-one financial solution designed specifically for small businesses. Key features driving adoption include: z Instant access to sales revenue, allowing merchants to use funds immediately rather than waiting until the next business day z Zero-fee checking, with no minimum balances, overdraft fees, or account maintenance costs z An intuitive mobile app that centralizes payments, banking, and operations z Business debit cards, with up to five cards issued for employees z Integrated bill pay and check payment tools

Square Savings further enhances its appeal by offering a 1.75% APY and FDIC insurance coverage up to $2.5 million—far exceeding standard limits. Automated savings tools allow merchants to allocate a percentage of each transaction into customizable savings folders, making cash management nearly effortless.

Perhaps most disruptive is Square’s lending model. Square Loans are pre-approved based on transaction history, require no application or credit pull, and charge a flat fee rather than traditional interest. Repayments flex with daily sales volume, easing cash-flow pressure during slower periods.

Convenience Over Complexity Business owners prioritize ease of use, and Square delivers a frictionless onboarding experience with minimal paperwork and near-instant approval. Beyond banking, Square bundles operational tools such as payroll, scheduling, invoicing, and internal team management.

This ecosystem approach embeds Square deeply into a merchant’s daily workflow—making it harder to leave.

The Hidden Drawbacks Despite its convenience, Square is not without risk.

Merchants often discover limitations only after problems arise. Common concerns include account freezes triggered by perceived irregular activity, system outages that can halt payment processing for extended periods, and limited customer support that relies heavily on automation. [continued]

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MEMBER SERVICES continued from previous page... Square is Coming After Your Depositors Additionally, Square’s pricing structure can become costly for high-volume businesses, and certain industries are excluded altogether.

Transaction fees—ranging from 2.6% + $0.15 for cardpresent transactions to 3.5% + $0.15 for keyed entries— can significantly erode margins. Unlike many traditional providers, Square does not support dual pricing or cash discount programs, limiting merchants’ ability to offset costs.

How Financial Institutions Can Compete Banks are not powerless—but they must act intentionally. Key strategies include educating business customers about alternative options, offering competitively priced merchant services, and emphasizing personalized support. Institutions can also leverage data, such as ACH receiver reports, to identify Square users and proactively engage them.

Most importantly, financial institutions should highlight what Square cannot replicate: stability, relationshipbased service, dedicated account management, and tailored financial solutions that grow alongside the business.

The Road Ahead Square is no longer just a payment processor—it is a serious banking competitor. As business owners continue to demand digital-first, integrated solutions, traditional institutions must adapt or risk losing valuable deposit relationships. Those that invest in technology, education, and personalized service will be best positioned to compete—and win—in the next era of business banking.

Square’s growth doesn’t have to mean lost deposits.

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UPCOMING ADVOCACY EVENTS

Building Connections.

Driving Advocacy.

Announcing CBA’s 2026 Advocacy Events CBA’s advocacy efforts go beyond policy and legislation— they’re about building relationships, creating opportunities for meaningful dialogue, and bringing Georgia’s community banking industry together in ways that truly make a difference.

Memorial Clay Shoots

From grassroots engagement across Georgia to national representation in Washington, every advocacy event plays a role in protecting and promoting the future of Georgia’s community banking industry.

Thursday, October 29 | Charles “Chuck” Harwell Memorial Clay Shoot

ICBA Capital Summit

May 4–7 | Washington, D.C. Sponsored dinner: Tuesday, May 5 6:30 pm | Carmine’s | Invitation Only Georgia bankers take their voice to Capitol Hill, ensuring community banking priorities are heard directly by national policymakers.

Topgolf Showdowns

May 14 | 1:00–4:00 pm | Topgolf Buford November 10 | 1:00–4:00 pm | Topgolf Atlanta Midtown High-energy networking, friendly competition, and advocacy all in one—bringing bankers, partners, and supporters together in a fun, fast-paced setting.

Thursday, October 8 | Charlie Curry Memorial Clay Shoot

Fieldstone Hunting Preserve (New Location) | Dry Branch

Burge Plantation | Mansfield

Signature advocacy traditions that blend fellowship, fundraising, and honoring leaders who helped shape Georgia’s community banking legacy.

CBA Day at the Braves

Saturday, August 29 | 4:15 pm Atlanta Braves vs. Colorado Rockies

Advocacy meets America’s pastime—an unforgettable afternoon of connection, community, and collective support for our industry.

Town Hall Talks

Three locations across the state | Details coming soon

Grassroots advocacy at its best—bringing bankers and legislators together for real conversations about the issues impacting community banks and the communities they serve.



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Is your community bank ready for CRA rule changes?

Meet Steffani.

Steffani brings over 20 years of community reinvestment experience to ICBA CRA Solutions.

Steffani ensures banks meet their CRA obligations while serving their customers and communities. She provides guidance on CRA questions, examination preparedness, and maintains strong customer relationships.

Steffani is nearly always thinking about enhancing CRA compliance programs for community banks, but she does spend some of her free time playing with her Goldendoodle puppy, Ozzie.

By partnering with ICBA CRA Solutions, your bank has Steffani’s expertise and dedication at your service.

Learn more at icba.org/cra

PROFESSIONAL DEVELOPMENT

Fraud Prevention and Detection Academy Fraud continues to evolve at an unprecedented pace, challenging community banks to stay informed, vigilant, and proactive. To help bankers meet this challenge head-on, the CBA of Georgia is proud to offer the Fraud Prevention and Detection Academy, a four-part Professional Development Series designed to deliver timely insights and practical strategies for today’s fraud environment.

This virtual series began on February 25, and upcoming sessions are May 5, August 6, and October 20, with each session running from 9:30 a.m. to 11:00 a.m. and offering 1 CEU credit.

The Academy provides a progressive learning experience that builds knowledge and confidence across key fraud risk areas affecting community banks.

Throughout the series, participants will explore critical topics including Elder Financial Abuse Fraud, Debit Card Fraud Mitigation, emerging fraud trends, and more. Sessions are grounded in real-world scenarios and focus on proven techniques to detect suspicious activity, prevent losses, and respond effectively when fraud occurs.

Each session is designed to strengthen risk management practices while equipping bankers with actionable tools they can immediately apply within their institutions. The Academy emphasizes protecting customers, reinforcing internal controls, and

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supporting regulatory compliance—key priorities in today’s increasingly complex risk landscape.

By investing in the Fraud Prevention and Detection Academy, bankers enhance their professional expertise while helping safeguard their institutions, maintain customer confidence, and reinforce trust in the banking system as a whole. This series is an essential resource for bankers committed to staying ahead of fraud and protecting their communities.

Fraud risks aren’t slowing down—and neither should your preparation. The Fraud Prevention and Detection Academy equips community bankers with the knowledge, tools, and confidence needed to stay ahead of today’s most pressing fraud threats.

Don’t miss this opportunity to strengthen your fraud detection and prevention strategies while earning CEU credit. Whether you attend one session or the full four-part series, you’ll gain practical insights you can immediately apply to protect your customers, your institution, and your reputation.

Registration is open. Secure your spot today and commit to proactive fraud prevention in 2026. Visit the CBA of Georgia website to register and learn more about each session.



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PROFESSIONAL DEVELOPMENT

Investing in Tomorrow: CBA’s 2026 Scholarship Programs Now a LEAD Board Initiative Community Bankers Association of Georgia (CBA) is pleased to open applications for its 2026 scholarship programs, now proudly led as a LEAD Board initiative. These scholarships support education and leadership growth for students and community bank employees, helping to build the next generation of talent in Georgia’s community banking industry.

This year, the scholarship program is led by LEAD Board Members Linda Smith, Embassy National Bank and Jay Funderburke, South Georgia Banking Company, whose leadership and commitment to developing future industry leaders continue to strengthen the program’s impact.

Julian & Jan Hester Memorial Scholarship

J. Steven Walraven Memorial Scholarship

This scholarship honors the legacy of the late CBA CEO Julian Hester, and his daughter Jan. It awards four $1,000 scholarships to Georgia high school seniors planning to enroll full-time at a Georgia college, university, or technical institute. Applicants must be sponsored by a local community bank and demonstrate academic achievement, leadership, and an interest in community banking through essays, activity records, and recommendations.

Named for the late community banking leader J. Steven Walraven, this annual scholarship provides $500 to a Georgia community bank employee (full- or part-time) who plans to attend a college or university in Georgia.

The award supports continuing education that enhances professional growth and career advancement in community banking.

IMPORTANT DEADLINES: z Applications due to the bank: April 3, 2026 z Completed submissions due to CBA: April 10, 2026

McNair Family Scholarship Designed for adult learners employed at Georgia community banks, the McNair Family Scholarship awards one $1,000 scholarship each year. To qualify, applicants must be at least two years out of high school, work at least 25 hours per week at a community bank, and be pursuing coursework toward an associate, bachelor’s, or trade degree. The award is paid directly to the recipient’s institution to help offset educational expenses.

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For full eligibility details and application materials, visit the CBA Scholarship Page and share these opportunities with bank team members and in your community.

Together with member banks across the state, CBA continues to invest in the future leaders of community banking.



2026 ICBA Educational Events Dates and locations are subject to change.

MARCH 6-9 18 31-Apr 2 APRIL 2 7-9 7-9 14-16 15 15-16 21-23 21-22 23-24 26-May 1

ICBA LIVE (In-person, San Diego, CA) CRA Foundations: Building Your Knowledge from the Ground Up Seminar (Livestream) Credit Analyst Institute (Livestream)

AUGUST 4-6 11-13 12

Bank Security Institute (In-person, Bloomington, MN) BSA/AML Institute (Livestream) Analyzing Your Bank’s Financial Statement Seminar (Livestream)

17-20 18-19

Credit Analyst Institute (In-person, Dallas, TX) CRA to Z: How to Build a Best-in-Class CRA Program Seminar (In-person, TBA)

ICBA Bank Director Forum - 1 (Livestream) Fraud Conference (Livestream) CFO Forum (Livestream) 19-20 CRA to Z: How to Build a Best-in-Class CRA 31-Sept 3 IT Institute (In-person, Bloomington, MN) Program Seminar (Livestream) TBD Commercial Lending Institute (In-person, TBA) BSA/AML Institute (Livestream) Commercial Loan Processor Seminar (Livestream) SEPTEMBER Innovation Workshop (Livestream) 3 ICBA Bank Director Forum 3 (Livestream) Bank Security Institute (Livestream) 16-18 Fraud Conference (Livestream) Loan Review Seminar (Livestream) 21-24 Annual Current Issues Certification Conference Advanced Loan Review Seminar (Livestream) (In-person, Phoenix, AZ) Audit Institute (In-person, Bloomington, MN) 28-30 Enterprise Risk Management Institute (In-person, Bloomington, MN)

MAY 4-7 5

ICBA Capital Summit (In-person, Washington, D.C.) OCTOBER Financial Statement Analysis Seminar 1-2 Auditing IT General Controls Seminar (Livestream) 4-9 Compliance Institute (In-person, Dallas, TX) (Livestream) 6 Cash Flow Analysis Seminar (Livestream) 5-8 Marketing Institute (In-person, Nashville, TN) 12 Introduction Call Report Seminar (Livestream) 6-8 & 13-15 Audit Institute (Livestream) 13 Advanced Call Report Seminar (Livestream) 14-15 Innovation Workshop (Livestream) 12-14 & 19-21 Compliance Institute (Livestream) 20-22 CRA to Z: How to Build a Best-in-Class CRA Program Seminar (Livestream) JUNE 22 Community Bank Treasury Management Seminar Consumer Lending Institute (Livestream) 2-4 (Livestream) 4 ICBA Bank Director Forum 2 (Livestream) 26-29 Annual Current Issues Certification Conference 9-11 Data & Analytics Institute (In-person, MN) (Livestream) 18 From Impact to Credit: Documenting CRA NOVEMBER Activities Seminar (Livestream) 22-23 Innovation Workshop (In-person, TBA) 3-5 BSA/AML Institute (In-person, Dallas, TX) 5 ICBA Bank Director Forum 4 (Livestream) JULY 10 Building Your Story: Crafting an Effective CRA 23 Agricultural Credit Analysis Seminar Performance Context Seminar (Livestream) (Livestream)

28-29 30

Vendor Management Seminar (Livestream) Identifying and Addressing Distressed Loans Seminar (Livestream)

ICBA Education is registered with the National Association of State Boards of Accountancy (NASBA) as a sponsor of continuing professional education on the National Registry of CPE Sponsors. State boards of accountancy have final authority on the acceptance of individual courses for CPE credit. Complaints regarding registered sponsors may be submitted to the National Registry of CPE Sponsors through its website: nasbaregistry.org.

Event Dates and Location, TBD • Annual Directors Conference (In-person) • Advanced IT Seminar (Livestream) • Community Bank Human Resources Seminar (In-person) • Enhancing Organizational Value Conference (In-person)

For more detailed information call ICBA Education at 800-422-7285

1/8/2026

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MEMBER SERVICES Jim Reber President & CEO ICBA Securities

Off and Running I’m hopeful that those New Year’s Resolutions are intact and having their desired effects. In taking one more look back into 2025, it dawns on me the further we got into the year, the better the bankers’ comments were about their bank’s performance. The industry seems to be hitting on all cylinders (to use a hackneyed expression), but it seems to be true. Between the continued solid credit quality metrics, reasonable loan demand, and an interest rate scenario that looks to favor continued margin expansion, prospects are encouraging for a successful year for community banks.

ICBA successes At the end of the last year, ICBA President/CEO Rebeca Romero Rainey and ICBA Chairman Jack Hopkins had a conversation about the state of the industry, and they too talked about the momentum in the industry. Legislation on mortgage “trigger leads,” proposals to lower the leverage ratios for community banks, and tax exemptions on 25% of ag and rural lending through the ACRE Act are all going to help profitability.

Also, making the 2018 Tax Cuts and Jobs Act marginal tax rates permanent for both C Corps and S Corps has provided clarity about portions of the balance sheet that have tax-

effected assets--namely, municipal bonds. There is no debate that the Act has helped community bank earnings, though the composition of high-performance portfolios has shifted away from tax-frees into taxable instruments.

Bond portfolios are helping It was documented here last year that portfolio yields are at a many-year high, thanks to the harsh doses of interest rate therapy in 2022-23, and the slow-to-recede levels of market rates ever since. Community bankers continue to say they’re able to roll out of bonds yielding 1% or less that are finally, mercifully maturing, and whatever the proceeds are used for, net interest margins are improved.

Which brings up the second half of this NIM equation.

Deposits grew at community banks by about 4% last year, which is near the long-term run rate, and costs of funds have retreated in the past 18 months. Industry-wide, FDIC calculated community bank COF’s have fallen by about 30 basis points (0.30%) since mid-2024. The net margin between bond portfolio yields and costs of funds is now over 1% for the first time in about three years. [continued]

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MEMBER SERVICES continued from previous page... Off and Running Yield curve thoughts Yes Virginia, there is a Santa Claus. The same is true for the other 49 states and the District of Columbia. For community banks, it came in 2025 in the form of a steep(er) interest rate curve. We closed out the year with the “2’s to 10’s” spread around 67 basis points (0.67%), which is the best we’ve seen going back four long years. Recall too that the average slope for the full 21st century so far has been right at 100 basis points, and it’s entirely possible we’ll get there sometime this year.

Steeper yield curves have all sorts of latent and tangible benefits for the banking industry. The most obvious is that managers can more properly price relative risk into the balance sheets. Thirty-year mortgages are supposed to be priced higher than 15-year mortgages. A ten-year municipal bond is supposed to have a higher yield than a 7-year. And a 36-month CD is supposed to pay more than a 24-month.

All those notions were set on their heads during the 2-plus year stretch from 2022-24 when yield curves were upside down. Banking fundamentals hopefully will prevail this year, which can only mean more profitability.

Bond swap prospects Commensurate with the positively sloped yield curve are opportunities for actively managing the bond portfolio.

One strategy is to sell certain securities and simultaneously

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purchase others in a “bond swap.” Lately, since most positions are still underwater, bonds have been sold at losses, with the improved reinvestment yields making up the ground in less time than the remaining average lives.

This strategy is known as “loss-earnback.”

Two pieces of good news: first, early in the year is a popular time to execute these bond swaps, for the simple reason that the bank has a full year to enjoy the higher yields with which to eat away at the realized loss. Secondly, the steeper the yield curve, the less extension risk needed to make the bond math work. So, my suggestion is to work with your brokers to model such potential trades and be sure to document your objectives and rationales. And let me remind the readers that the positive forecast for industry profits might make such loss-earnbacks more tenable.

Jim Reber, CPA, CFA (jreber@icbasecurities.com), is president and CEO of ICBA Securities, ICBA’s institutional, fixed-income broker-dealer for community banks.



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PROFESSIONAL DEVELOPMENT

Unlock Your Leadership Potential 2026 Series for Managers & Supervisors Great leadership doesn’t happen by accident—it’s developed with intention, insight, and the right tools. In 2026, the CBA of Georgia invites managers and supervisors at every stage of their leadership journey to do just that through Unlock Your Leadership Potential, a three-part virtual series designed to strengthen teams, elevate performance, and empower leaders to lead with confidence.

The first session of this dynamic series was held on February 24 (recording available), and future sessions will be held March 31, and April 27, 2026, with each session delivered as a focused, one-hour live virtual webinar.

Whether you’re a new supervisor or a seasoned manager, this series offers practical, immediately applicable strategies to help you navigate today’s most common—and challenging—people management situations. The entire series is being recorded; email education@cbaofga.com to order.

Instructors:

February 24 – Turn Conflict into Togetherness Conflict is inevitable—but unresolved conflict can drain energy, erode trust, and stall productivity. This engaging session equips managers and aspiring leaders with proven techniques to address conflict head-on and transform it into an opportunity for collaboration and growth. Participants will learn how to confidently navigate tense situations, rebuild trust, and create stronger, more cohesive teams.

When leaders know how to manage conflict effectively, teams thrive.

Christie Drexler Drexler Consulting

March 31 – Managing Difficult Employees Every leader encounters challenging employees—but how those challenges are handled can define a team’s success.

This session focuses on turning difficult conversations into productive outcomes. Attendees will gain practical tools to set clear expectations, address underperformance, and motivate employees who resist change. Designed [continued] 3 3 | w w w.cb ao fga.co m | S pr in g 2 02 6

Josh Collins Drexler Consulting

PROFESSIONAL DEVELOPMENT

continued from previous page...

Unlock Your Leadership Potential 2026 Series for Managers & Supervisors for leaders at all levels, this webinar helps managers regain control, boost morale, and lead with clarity and purpose.

April 27 – Grow Your Teams Retention, engagement, and performance remain top priorities for today’s leaders. This session empowers managers with strategies to inspire growth, develop talent, and drive long-term success. Participants will learn how to foster engagement, strengthen connections, and build high-performing teams that are motivated and committed. Leaders will walk away ready to lead with impact and confidence.

Why Choose This Series?

Unlock Your Leadership Potential is built for busy professionals who want results—without sacrificing time. z Expert-Led: Learn from seasoned leadership coaches with a proven track record of success z Actionable Tools: Walk away with practical strategies you can apply immediately z Time-Efficient: Transform your leadership approach in just 60 minutes per session z Proven Success: Join the many leaders who have elevated their teams through this training Investing in leadership development is an investment in your people, your culture, and your organization’s future. The Unlock Your Leadership Potential series provides the insight, confidence, and tools managers need to grow stronger teams—and lead them forward.



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S p ri n g 2 02 6 | G e o r g i a C o mmu n ities Fir s t | 34

MEMBER SERVICES Chris Bates CEO Agora Eversole Marketing Agency

AI in Marketing for Community Banks As someone who works closely with community banks across Georgia and throughout the country, I believe we’re at an important moment for our industry. Artificial intelligence is no longer a future concept in marketing but is a practical set of tools that community banks can use right now to strengthen their reach, improve efficiency, and better serve customers in an increasingly digital environment. When I’m asked how banks should be using AI in marketing today, my answer is that AI should help banks be more relevant, more timely, and more strategic, and should be done without losing the human relationships that define community banking.

At its best, AI helps banks do what they’ve always aimed to do, which is to connect with the right people, with the right message, at the right time. The difference today is that AI allows those efforts to happen faster and more precisely, even with limited internal resources.

One of the most impactful areas is online search visibility, including both traditional search engine optimization (SEO) and now emerging AI-driven generative engine optimization (GEO). Customers are increasingly asking questions in AI-powered search tools, not just typing keywords into Google. Banks that additionally optimize their content for these evolving search behaviors are far more likely to show up when prospects are actively researching financial products and services.

Content creation is another area where AI delivers immediate value. AI can help marketing teams (and their agency partners) draft, refine, and optimize blog posts, emails, social content, and even video scripts. This doesn’t replace a bank’s voice or values, and the humanin-the-loop is vital. It does, though, allow internal and external teams to move faster, test ideas more efficiently, and keep content aligned with what customers actually care about.

We’re also seeing strong results with digital advertising.

AI-driven ad platforms help community banks place ads more efficiently, reduce wasted spend, and adjust campaigns in real time based on performance. For banks competing against much larger institutions with deeper pockets, this kind of efficiency can make a real difference.

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The foundations of paid digital ad strategies for most of our agency’s community bank clients are programmatic display (behavioral, retargeting, etc.) and search engine marketing (SEM) and Google Pay-Per-Click (Google PPC), and then expanding into Connected TV/Over-the-Top (CTV/OTT) and Streaming video and audio strategies.

Predictive analytics is another powerful opportunity.

AI can identify behavioral patterns that signal when a customer might be ready for a mortgage, business loan, or new deposit product. These insights allow marketing efforts to be more proactive and relevant. Usually requiring work with your core, these analytics can support lenders and other bankers with better information rather than replacing personal judgment.

Despite these and other benefits, many community banks are still leaving opportunities on the table. Hesitation around technology adoption, compliance concerns, or uncertainty about where to begin often leads to inaction.

However, the risk of waiting is real. Customers now expect smarter, more personalized digital experiences, and banks that delay risk losing attention not only to much larger banks and credit unions, but even to local competitors who are doing it well.

The key thing to understand is that AI isn’t about replacing relationships, it’s about enhancing them. Used thoughtfully, AI gives banks better insights, clearer signals, and more meaningful opportunities to connect. It allows marketers and bank leadership to support frontline teams with information that leads to better conversations and stronger trust.

For community bank leaders and marketers in Georgia, my recommendation is to start intentionally and stay focused on people. AI is simply a set of tools that, used well, can help amplify what community banks already do best: serve their communities with relevance, care, and trust.



SPOTLIGHT Matthew Lynch Assistant Vice President, Deposit Operations Manager Rabun County Bank, Clayton

Beyond the Bank ­­— Matthew Lynch The Banker Behind the Bookstore In each issue of Georgia Communities First, we spotlight a community banker whose passions extend beyond the walls of the bank. This issue’s Beyond the Bank feature introduces Matthew Lynch, AVP & Deposit Operations Manager at Rabun County Bank, who turned a lifelong love of reading into a community-centered bookstore in downtown Clarkesville, blending his financial expertise with entrepreneurial spirit.

Tell us a little about yourself and your role at the bank.

I started my banking career in 1997. I have held several positions (teller, CSR, BSA Officer), but most of my time has been spent in Deposit Operations. It was an easy transition to Rabun County Bank as Deposit Operations Manager due to the positions held throughout my career. When I am not at work, you will find me at home with my husband, Jogi, and my dog Jules usually reading or tiktoking.

What inspired you to open a bookstore, how long has it been open?

My love of reading inspired me to open a bookstore. I started January 2024 doing vendor events and local pop-up markets and in late 2024 a space became available right off the square in Clarkesville, Georgia and I took the opportunity and Shop Around the Corner was opened August 2024. [continued]

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SPOTLIGHT continued from previous page...

Beyond the Bank – Matthew Lynch The Banker Behind the Bookstore How would you describe your bookstore to someone who hasn’t visited yet?

My bookstore is a “we have something for everyone”.

When opening the space, it was also created for local artists to house their items. You will find candles, clothing, soaps, and wooden decorative signs from local crafters.

What have been some of the biggest lessons you’ve learned as a small business owner?

Time is limited so use it wisely. It takes a lot to run a business, and you must manage your time wisely or it will get away from you.

What similarities do you see between running a bookstore and your work as a banker?

There are a lot of financials involved in a running a business. Being a banker helped with that aspect because I was able to take what I knew from my banking career and apply it.

What’s one book you’d recommend to fellow community bankers?

I read all genres, so I say pick something that you love and just read. Right now, Quicksilver and its sequel Brimstone are at the forefront of my mind because I just read Brimstone. Ask me in a week and it will be something new. I read 58 books (which is quite a small number compared to others) in 2025, so my recommendations always change.

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S p ri n g 2 02 6 | G e o r g i a C o mmu n ities Fir s t | 38

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