GCFM: Summer 2024

GEORGIA COMMUNITIES FIRST SUMMER 2024

INNOVATION Strategies SOLUTIONS

PSPs & Associate Members

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 Summer 2024 C B A S TA F F

TopGolf Atlanta Highlights pg.4

2 3

From the President’s Desk

Connected as Independent Community Banks

ADVOCACY 4 6 10 12

TopGolf Highlights

18 19 20 22 24 26

28

professional development

30

Education Buzz

34

Advanced BSA, LEAD ON, More

31 37

Upcoming Programs

TechTalk & Innovation

Upcoming Events: Braves Game, Clay Shoot North & South

member services

CBA “Better Together” T-Shirt Sale Extended to August 31

40

Town Hall Talks

spotlights

14

CONNECT Highlights pg. 14

38

42

CONNECT Highlights

Frank Griffin Elected as 2024-2025 Chair of CBA 2024-2025 Board of Directors

44 45

ICBA Securities The Meek… Inherit a prominent place in bond portfolios

Sentry Advisors There’s More to FDIC’s New Advertising Rule Core10 3 Real-World Use Cases of API Middleware for Community Banks Fall Sponsorship Opportunities

CBA’s 2024 Preferred Service Providers

Get To Know Chair Frank Griffin

Save the Date CONNECT 2025

On the cover: INNOVATION Strategies; SOLUTIONS PSPs & Associate Members

Looking For Solutions? Look to CBA First! Meet CBA’s Associate Member Companies

s tay connected

@CBAofGeorgia

Lori Godfrey Executive Vice President and Chief of Staff, Government and Regulatory Relations lori@cbaofga.com Kristi Greer Senior Vice President Professional Development kristi@cbaofga.com Lindsay Greene Senior Vice President Member Services lindsay@cbaofga.com Cassie Cornell Assistant Vice President Digital Strategy and Professional Development Marketing cassie@cbaofga.com Becky Soto Assistant Vice President Professional Development and LEAD Board becky@cbaofga.com Connie Shepard Assistant Vice President Professional Development and Member Engagement connie@cbaofga.com

Jonathan Pope named LEAD Board Chair Beyond the Bank – Troy Breitmann, CFP®, CTFA Pedaling with a Purpose: Meet the Banker raising awareness and funds for cancer research

John McNair President & CEO john@cbaofga.com

@CBAGeorgia

Ellen Shea, CMP Director of Association Services ellen@cbaofga.com Gwen Lanaghan Staff Accountant gwen@cbaofga.com

@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 u m m er 2 02 4 | G e o r g i a C o mmu n ities Fir s t | 1

FROM THE PRESIDENTS DESK

CBA Mid-Year Review and More

With the first half of the year in the rear-view mirror, I thought it best to provide a summary of what has occurred and what is on the CBA docket for the remainder of the year.

-SB157 crosses the $1 billion threshold: Over $1billion of municipal deposits has now flowed into Georgia’s community banks because of CBA’s signature legislation, which allows banks to use the reciprocal deposit networks versus pledging collateral. CBA commemorated the milestone by meeting with Gov. Kemp to discuss the success of the legislation and posing for a photograph (See picture).

-CBA CONNECT Success: The hallmark of CBA is our annual convention-CONNECT. This year featured the usual excellent educational content and CONNECTING opportunities. Chancellor Sonny Perdue closed out the program and received a standing ovation. We had the opportunity as part of the annual Chairman’s banquet to thank outgoing CBA Chair Neil Stevens for his exemplary service and welcome in new CBA Chair Frank Griffin. We will be back at the fabulous Ritz Amelia in September 2025.

For the remainder of the year, CBA has a full lineup of critically important educational and advocacy events.

They are as follows: • CBA Town Hall Talks: These events are a great way for CBA members to engage with their legislators in district and away from the hustle and bustle of the Golden Dome. There are several options to participate between now and year-end.

2 | w w w.c b ao fga.co m | S u m m e r 2 02 4

John McNair President & CEO Community Bankers Association of Georgia

• CBA Tech Talks are now into their fourth year of programming and have proven to be invaluable for community bankers regardless of where they are in their technology journey. Embracing a culture of innovation is mandatory for community banks to compete and thrive in this fast-changing environment and the Tech Talk curriculum is designed to help all in this endeavor.

• While we do have many other programs, I want to strongly encourage attendance at LEAD On program September 12-13. Growing the next generation of community bankers within your respective institutions is critical for long-term success of your organization. CBA’s annual LEAD On has received numerous accolades over the years for its content and overall programming.

Since CBA’s programs are designed exclusively by and for community bankers, you can be assured that you will receive a quality learning experience every time.

Thank you for the ongoing support of CBA and please contact me if CBA can be of any assistance to your organization.

Respectfully,

CONNECTED

Rebeca Romero Rainey President & CEO ICBA

Connected as Independent Community Banks – RRR

“It’s up to us [community bankers] to amplify our voices far and wide and make sure the leaders of this nation pay attention.”

When you enter ICBA’s headquarters, you are greeted with a large U.S. map that contains a peg for each community bank and a singular cord linking them all together. It not only demonstrates our collective impact; it also represents the strength of our financial system, built on thousands of local economies around the country and fueled by community banks.

Much more than surface-level connections, community bank relationships run deep. With detailed knowledge of the communities in which they live, play and work, community bankers make informed decisions using insights beyond standard credit models. Consider a new small business that doesn’t make sense on paper but that you, as a financial steward of the community, know meets a community need or will be in demand.

This type of insight can only be derived from being part of the community—not thousands of miles away in some ivory lending tower. That sense of presence, of connectedness, makes all the difference.

Recently, Dave Fishwick, whose story was featured in the movie, The Bank of Dave, spoke at our Capital Summit. His message was a reminder of how unique our model is outside of America’s borders, how paramount it is that we defend it with fervor and how important the work we do to protect relationship banking is. It’s

the foundation of everything we do! Community banks need to flourish so we can continue to fight for the little guy and stand up for what matters in our communities.

We need to be there, so our customers have access to the financial services they need when they need them most.

The current environment threatens this paradigm.

One-size-fits-all regulations don’t support our efforts.

An uneven playing field puts us at a disadvantage.

Mounting and constricting regulations hinder our ability to tailor our offerings. And the taxpayersubsidized acquisition of taxpaying community banks further diminishes our numbers, while stripping away a vital community tie.

Now, more than ever, as we think about the impact of our banks, we need to stand up and fight. We can’t take our independence for granted, and independence requires action. It’s up to us to amplify our voices far and wide and make sure the leaders of this nation pay attention.

I hope you take time to revel in the role you play in our country’s financial wellness and recommit to your independence. Because it’s bankers like you who are making the country better, one community at a time.

S u m m er 2 02 4 | G e o r g i a C o mmu n ities Fir s t | 3

ADVOCACY

TOPGOLF HIGHLIGHTS CBA Advocacy Topgolf Showdown: Atlanta Champions Celebrated The Community Bankers Association of Georgia (CBA) recently held its Advocacy Topgolf Showdown in Atlanta, GA. This event brought together community bankers, industry professionals, and supporters for a day of fun, networking, and advocacy.

Highlights of the Event The Topgolf Showdown is a key event on the CBA calendar, promoting camaraderie and advocacy for community banks. Teams competed in a friendly yet competitive environment, with outstanding performances recognized and celebrated. The champions of the Buford event demonstrated exceptional golf skills and a strong commitment to the CBA’s mission.

Advocacy in Action Beyond the competition, the event served as a platform for meaningful discussions on the challenges and opportunities facing community banks in Georgia. It reinforced the importance of unity and collective advocacy in supporting local banking institutions.

Congratulations to the winners!

1st Place Team Josh Osborne - Signature Bank of Georgia Dave Neyer - Georgia Student Scholarship Organization Ryan & Randy Sower - Executive Insurance Agency, Inc. Mike Ernst - Stokes Carmichael & Ernst

2nd Place Team Marnie Strewart - ICBA CRA Solutions Chase Young, Affinity Bank Greg Kraynak & Janine Ciranni - Vericast Nick DiPonzio & Chris Cochran - Affinity Bank

Lowest Score – Special Prize Nick DiPonzio - Affinity Bank

4 | w w w.c b ao fga.co m | S u m m e r 2 02 4

ADVOCACY

S u m m e r 2 02 4 | G eo r g i a C o mmu n ities Fir s t | 5

ADVOCACY

UPCOMING 2024 ADVOCACY EVENTS 2nd Annual CBA Day at the Braves Outing Benefitting CBA’s Advocacy Efforts

SOLD OUT! The Community Bankers Association of Georgia (CBA) is excited to announce the upcoming “CBA Day at the Braves” at Truist Park, promising an unforgettable experience for community bankers, their families, and industry supporters. Attendees will enjoy a thrilling Braves game while having the opportunity to network and strengthen professional relationships in a relaxed atmosphere. This beloved tradition underscores the importance of community and advocacy within the banking sector.

Mark your calendars and join us for a day of fun, networking, and Braves baseball. For more details, visit the CBA website or contact the CBA office.

Thanks to our sponsors: Atris Technology | CRI | Elliott Davis | First National Bankers Bank | Genesys Technology Group | Integris | James Bates Brannan Groover LLP | ServisFirst Bank | SHAZAM | WIPFLI

6 | www.cb ao fga.co m | S u m m e r 2 02 4

C o m p l i a n c e Te s t i n g ( A – Z )

|

I n t e r n a l A u d i t O u t s o u rc i n g

|

External Audit

|

Ta x

Got a lot on your mind?

Just Say

PYA

40 Years of Problem Solving

865.673.0844 | pyapc.com ATLANTA | CHARLOTTE | KANSAS CITY | KNOXVILLE | NASHVILLE | TAMPA

S u m m e r 2 02 4 | G eo r g i a C o mmu n ities Fir s t | 7

ADVOCACY

Aim High Join Us for the CBA Annual Clay Shoots

The Community Bankers Association of Georgia (CBA) invites you to join the Annual Clay Shoots, an exhilarating event designed for community bankers and industry supporters. Enjoy a day of friendly competition, honing your shooting skills while building valuable professional connections in a relaxed outdoor environment. This event is a testament to the spirit of community and the essential role of advocacy in the banking sector. Don’t miss out on this unique networking opportunity. For more information and to register, visit the CBA website or contact the CBA office.

Charlie Curry ​Memorial Tournament ​Thursday, September 26 9:00 AM - 4:00 PM (EDT) Wynfield Plantation

CBA of Ga Online Ad 7.5x4 CS3288-2024-06-02.pdf

1

6/13/24

Charles “Chuck” Harwell Memorial Tournament Thursday, October 24 9:00 AM - 4:00 PM (EDT) Burge Plantation

1:52 PM

DRIVING

UNPRECEDENTED GROWTH IN BANKING Supporting Client Success With $168 Billion

• Target the right customers

in Acquisition Balances in 2023

• Foster deeper connections

Vericast empowers financial institutions with advanced solutions to drive growth and enhance customer engagement. Our data-driven insights, compliance assurance, and innovative marketing strategies push the boundaries of growth marketing.

• Meet regulatory standards • Drive marketing with insights

Discover how Vericast helps community banks grow deposits, households and loans.

Visit www.vericast.com/acquisition

8 | w w w.c b ao fga.co m | S u m m e r 2 02 4

COMPETE ADVOCACY

WITH THE

SHAZAM believes smaller financial institutions like yours shouldn’t lose out just because you don’t have the resources of a national megabank. That’s why we deliver flexible, cost-effective network and processing technology that helps you compete against the biggest dogs on the block. All fully backed by the kind of unmatched technical expertise and personal support that unleashes your power to make a big impact in your community.

shazam.net S u m m e r 2 02 4 | G eo r g i a C o mmu n ities Fir s t | 9

ADVOCACY

Town Hall Talks

On August 6, 2024, the CBA hosted a Town Hall Talk at Peach State Bank and Trust in Gainesville. Attendees had the chance to meet key legislators, including Rep. Carter Barrett (24th District), Rep. Emory Dunahoo (31st District), Rep. Will Wade (9th District), and Sen. Elect Drew Echols (49th District). The event provided a valuable platform for community bankers to engage in Q&A sessions, hear legislative perspectives, and discuss issues impacting their industry.

Did you miss the first Town Hall Talks? Don’t worry! Registration is open for the upcoming events in Byron and Valdosta. Engage and connect with legislators at CBA’s Town Hall Talks, offering a grassroots alternative to the Day at the Dome. Secure your spot now to meet legislators in person, participate in Q&A sessions, and hear their perspectives on legislative issues affecting community banks.

Upcoming Event Dates and Locations: August 29, 2024: Uncorked by Georgia Bob’s, Byron • Rep. Shaw Blackmon, 146th District, Republican, Chairman: Ways and Means • Rep. Mike Cheokas, 151st District Republican, Chairman: Small Business Development • Rep. Dale Washburn, 144th District, Republican, Banks & Banking Committee Member • Rep. Nole Williams 148th District, Republican, Chairman: House Banks & Banking • Sen. Larry Walker, 20th District, Republican, Chairman: Senate Insurance and Labor August 30, 2024: Valdosta Country Club, Valdosta • Rep. Chas Cannon, 172nd District, Republican, Agriculture and Consumer Affairs Committee Member • Rep. John Corbett, 174th District, Republican, Chairman: Motor Vehicles • Sen. Russ Goodman, 8th District, Republican, Chairman: Senate Agriculture and Consumer Affairs • Sen. Sam Watson, 11th District, Republican About the Event: In partnership with the National Federation of Independent Business (NFIB), the CBA Town Hall Talks will include updates on advocacy, insights on the upcoming legislative session, and opportunities for networking with CBA and NFIB members and affiliates. This is a great opportunity for bankers to invite small business clients to join and participate.

Don’t miss this chance to be part of meaningful conversations that drive positive change in the community banking sector. For more information and to register, visit the CBA website or contact the CBA office. Secure your spot today and be part of the future of community banking in Georgia!

THANK YOU TO OUR SPONSORS

1 0 | w w w.c b ao fga.co m | Su m m e r 2 02 4

SERVICES G EN ERA L C O U N SEL

T. Daniel Brannan

Atlanta Office dbrannan@jamesbatesllp.com

Corrie E. Hall

Macon Office chall@jamesbatesllp.com

As General Counsel, our Financial Institutions team assists our clients in managing legal and regulatory exposure, training, and best practice development. Our Financial Institutions team – and our firm as a whole – has the depth of experience and resources available to assist your bank in navigating legal matters and answering questions. We are directly accessible to your employees and board of directors at all times to ensure a professional, timely resolution of issues or questions. We are committed to being well-acquainted with your organization, its strategic priorities, and with your employees, shareholders, and board of directors so that we

ACCESSIBILITY

We offer all of our clients open lines of communication. We are committed to a high standard of responsiveness and to managing your matters at the pace your business runs.

We employ our knowledge of your institution to internally allocate our most efficient and effective

RELATIONSHIP Michael N. White

Athens Office mwhite@jamesbatesllp.com

As General Counsel, we want to be part of your team and a contributor to your success.

As our relationship grows, we will develop an understanding of your needs, increasing our efficiency in handling your matters.

We will understand your core system, ancillary software platforms, your policies and procedures, your

SERVICES OFFERED Doroteya N. Wozniak

Atlanta Office dwozniak@jamesbatesllp.com

jamesbatesllp.com

Strategic Planning Corporate Governance Navigating the Regulatory Environment Deposit Compliance Loan Compliance Commercial Loan Closings Employee, Officer, and Board Training Landlord/Tenant Representation Employment Matters Vendor Contract Review

wisely manage each matter in the best interests of all. We also work to ensure that our knowledge of your policies, procedures, general operations, strategic goals, and higher level business plans remains up to date and that our recommendations on any issue help you implement same with best practice in mind. Our ongoing representation is designed to serve as an integrated resource for your institution, and to be a right hand on any particular topic, regardless of its scope, at any time. Our goal is to bring our skill sets, experiences, and resources alongside you, and help your bank reach its ultimate potential.

resources to ensure that our external response to you is coordinated, professional, and guided by expertise and experience. If you need us, call us.

Our phone numbers are direct lines to capable, experienced attorneys, ready to make you feel like your call is to another member of your team.

management structure, and your strategic goal, which will allow us to provide you with uniquely tailored legal services. We believe in superior client service and endeavor to foster a relationship with each client that reflects this standard of excellence.

Bankruptcy Case Management Transcription of Board Meetings Resolution of Special Assets Insurance Reviews Cyber Security Assessments Risk Management Audit Assistance Mergers and Acquisitions

ATHENS 1 Press Place Suite 200 Athens, GA 30601

ATLANTA 2827 Peachtree Road, NE Suite 300 Atlanta, GA 30305

MACON 231 Riverside Drive Suite 100 Macon, GA 31201

S u m m e r 2 02 4 | G eo r g i a C o mmu n ities Fir s t | 11

ADVOCACY

CBA “BETTER TOGETHER” T - SHIRT SALE EXTENDED TO AUGUST 31

Great news for supporters of the Community Bankers Association of Georgia (CBA)—the “Better Together” T-shirt sale has been extended until August 31, 2024 ! This extension provides more time to purchase these stylish shirts, symbolizing unity and advocacy within the community banking sector.

Why Purchase a “Better Together” T-Shirt?

• Support CBA Advocacy: Proceeds support CBA’s efforts to represent and advance community banks in Georgia.

• Promote Community Banking: Wearing the shirt raises awareness about the importance of local banks.

• Show Your CBA Pride: Display your commitment to CBA’s mission and goals.

How to Purchase: Visit the CBA Advocacy T-Shirt page to order. Sizes range from small to XXL. The sale is extended until August 31, 2024.

Join the Movement: Don’t miss this chance to support community banking. Purchase your “Better Together” T-shirt today and wear it with pride, contributing to a greater cause. For more information, visit the CBA website or contact the CBA office. Together, we can advocate for the future of community banking in Georgia.

1 2 | w w w.c b ao fga.co m | Su m m e r 2 02 4

ADVOCACY

S u m m e r 2 02 4 | G eo r g i a C o mmu n ities Fir s t | 13

SPOTLIGHT

Highlights and Success Stories from CONNECT 2024

The Community Bankers Association of Georgia (CBA) recently celebrated the resounding success of CONNECT 2024, an event designed to inspire, educate, and unite community bankers from across the state. Held in the vibrant Amelia Island, CONNECT 2024 brought together a diverse group of professionals, industry leaders, and innovators, all committed to the continued growth and success of community banking.

Celebrating Achievements and Innovations

One of the standout moments of CONNECT 2024 was the “Tell Me Something Good” segment, where attendees shared uplifting stories of achievements and innovations from their respective banks. This session highlighted the resilience and creativity within the community banking sector, showcasing how banks have adapted and thrived in an ever-changing financial landscape.

From stories of exceptional customer service to innovative solutions that address local needs, the “Tell Me Something Good” segment was a testament to the positive impact community banks have on their communities. These success stories not only inspired attendees but also provided valuable insights and ideas that can be implemented across the industry.

Engaging Keynote Speakers

CONNECT 2024 featured an impressive lineup of keynote speakers who delivered thought-provoking presentations on various topics relevant to community banking. These sessions covered a wide range of issues, including regulatory updates, technological advancements, and strategies for enhancing customer relationships. The speakers, renowned experts in their fields, provided attendees with valuable knowledge and actionable takeaways.

Interactive Workshops and Panels

In addition to keynote presentations, CONNECT 2024 offered interactive workshops and panel discussions that encouraged active participation and collaboration among attendees. These sessions provided a platform for community bankers to exchange ideas, discuss challenges, and explore innovative solutions. Topics ranged from cybersecurity and risk management to marketing strategies and customer engagement.

Networking Opportunities

One of the key benefits of CONNECT 2024 was the ample networking opportunities it provided. Attendees had numerous chances to connect with peers, share experiences, and build lasting professional relationships. The event fostered a sense of community and camaraderie, reinforcing the importance of collaboration and support within the community banking sector.

1 4 | w w w.c b ao fga.co m | S u m m e r 2 02 4

SPOTLIGHT

Looking Ahead

The success of CONNECT 2024 underscores the vital role that community banks play in supporting local economies and fostering community development. The event highlighted the importance of staying informed, embracing innovation, and working together to navigate the challenges and opportunities ahead.

Booth Company 31 360 View As we look forward to future CONNECT events, the CBA remains committed to providing valuable resources, 23 ACG support, and advocacy for community bankers throughout 35 Agent IQ Georgia. The stories and insights shared at CONNECT 2024 will undoubtedly inspire continued excellence and innovation 34 American Security & Privacy within the community banking sector.

29 Atris Technology For more information on CONNECT 2024 and other CBA 10 BHG Financial events, visit the CBA website or contact the CBA office.

36 Cabretta Capital Together, we can continue to strengthen and advance the community banking industry in Georgia.

3 Capital Partners CDC 6 Core10 4 DCI 32 DeNyse Companies 21 Eclipse Brand Builders 28 Exhibitor Econocheck Booth Company Name City, 7 Executive Joyce ColinInsurance Agency Frank 31 360 View 24 Phil Finosec Winn Alpha 23 ACG 2 Kris FiveNuss

by Five Funding Austi 35 Agent IQ Genesys Technology Group Guillaume Bingh 34 American Security & Privacy 14 Geritt 30 Michael Gulf Coast Business Credit Simmons Gaine 29 Atris Technology 17 Rachel Holtmeyer & Monson Thornton Syrac 10 BHG Financial 18 Jesse ICBA Speltz Rosw 36 Cabretta Capital 19 Tim ICBA Securities Souther Atlan 3 Capital Partners CDC 12 Laura Integris Day Frank 6 Core10 16 IntraFi Paul Mestre Hutch 4 DCI 9 Amy Kasasa Baillie Doug 32 DeNyse Companies 8 Joel Newcleus Thompson Suwa 21 Eclipse Brand Builders Booth Company Name City, Category 22State Point toSakha Point Environmental Paxton Atlan 28 Exhibitor Econocheck Joyce ColinInsurance Agency Franklin, TN Sower CRM & Ma 31 360 View 27 Ryan Quilo Stock 7 Executive Winn Alpharetta, GADuke ATMs,Alpha TCR 23 ACG 25 Zach QwickRate 24 Phil Finosec Kris Austin, Fintech 35 Agent IQ 15 TX SHAZAM Sarah Golden Atlan 2 FiveNuss

by Five Funding Guillaume Bingham Farms, MI CyberPeac Secu 34 American Security & Privacy14 Geritt 26 Drew Strunk Kessler Genesys Technology Group Simmons Gainesville, FLGroup IT/Fintech 29 Atris Technology 11 Stuart STS Wrba AtlanS 30 Michael Gulf Coast Business Credit Thornton Syracuse, NYMonson 10 BHG Financial 1 Arne The Plateau Group Lending Mem 17 Rachel Holtmeyer & Monson Jesse Speltz Roswell, GA Tax Credit 36 Cabretta Capital 20 Scott Travelers Brown Prattv 18 ICBA Tim Souther Atlanta, GA Financing3 Capital Partners CDC 13 Jim Vericast Reber Mem 19 ICBA Securities Day Franklin, TN 6 Core10 5 Cameron Warren Averett Loughery Fintech Atlan 12 Laura Integris Mestre Hutchinson, KSCapitel Core Proce 4 DCI 33 Danny Works24 Corporation Arling 16 Paul IntraFi Amy Baillie Douglasville, Signage 32 DeNyse Companies Tess GA Bechel Austi 9 Kasasa Joel Thompson Suwanee, Building De 21 Eclipse Brand Builders JRGA Llewellyn Gree 8 Newcleus Atlanta, Mark GA Faas Retail/Busin 28 Econocheck McDo 22 Paxton Point toSakha Point Environmental Sower Stockbridge, GA Insurance 7 Executive Insurance Agency27 Ryan S u m m er 2 02 4 | GShafer e o r g i a C o mmu n ities Fir s t |Lakes 15 Don Quilo Zach Duke Alpharetta, GA Cybersecur 24 Finosec Melissa Wallace Marie 25 QwickRate

Thank You to Our

Exhibitors

1 6 | w w w.c b ao fga.co m | S u m m e r 2 02 4

SPOTLIGHT

FINANCIAL IT SERVICES ARE WHAT WE DO BEST We offer banking-specific expertise most local IT providers can’t match. And that has real benefits for your operations and your customers.

IT SOLUTIONS FOR FINANCIAL INSTITUTIONS

MANAGED IT SUPPORT

integrisit.com

CYBERSECURITY

HOSTING

sales@integrisit.com

IT CONSULTING

(888) 330-8808

S u m m er 2 02 4 | G e o r g i a C o mmu n ities Fir s t | 17

SPOTLIGHT

FRANK GRIFFIN ELECTED AS 2024 - 2025 CHAIR OF CBA

The Community Bankers Association of Georgia (CBA) is delighted to announce the election of Frank Griffin, President of Flint Community Bank in Albany, as the Chair of the CBA Board for 20242025. With over 28 years of experience in the banking industry, Griffin brings a wealth of knowledge and a proven track record of leadership.

A Visionary Leader

Frank Griffin’s tenure at Flint Community Bank has been marked by significant achievements and a strong commitment to customer service and community involvement. As Chair, Griffin aims to enhance the CBA’s advocacy efforts, support educational opportunities for bankers, and foster a collaborative environment for sharing best practices.

Advocacy and Education Focus

Griffin plans to strengthen the CBA’s advocacy initiatives by working closely with legislators and policymakers to ensure community banks’ interests are well-represented.

Additionally, he emphasizes the importance of professional development and will continue to support the CBA’s comprehensive training programs.

“The CBA Board of Directors consists of true community bankers. As pillars of their respective communities, they are asked to serve on many different boards and committees. Recognizing the importance of having a community bank-only focused association in Georgia, they have chosen to devote their time and talents to guide CBA. It is a privilege to serve as their President and CEO ”, stated John McNair, President & CEO, Community Bankers Association of Georgia.”

CBA is delighted to welcome the following new members to the Board: • Mr. Mani Swarnam, Georgia Primary Bank, Atlanta • Mr. Jonathon Pope, Exchange Bank, Milledgeville • Mr. Chris Cochran, Affinity Bank, Atlanta Additionally, CBA wishes to thank the following that are stepping off the Board for their exemplary service: • Mr. Monty Watson, Piedmont Bank, Peachtree Corner • Mr. Harold Reynolds, Bank South, Greensboro • Mr. Bill Walker, Legacy State Bank, Loganville “The next 12 months will be filled with challenges and opportunities. CBA is in a very strong position to continue its leadership role in Georgia and to serve our members well into the future,” stated McNair.

Board members are selected from two divisions across the state of Georgia, ensuring all Georgia community banks are equally represented. Board members are elected to a one-year term. During the year, Directors will be involved in several items on behalf of the CBA membership, such as responding to proposed rules and regulations from the various regulatory agencies, reviewing services which will benefit the community banking industry, and weighing in on proposed legislation.

1 8 | w w w.c b ao fga.co m | S u m m e r 2 02 4

Chair s,

ank

ect rge

Bank of ty

SPOTLIGHT 2024 2025 BOARD OF DIRECTORS Vice Chairman Immediate Past Chair KellyStevens, Stone, Neil

Treasurer Member at Large Shannon Henry, Scott Curry,

Community Oconee StateBank Bank of Georgia

Bank of Dade First State Bank of Randolph County

Vice Chairman Kelly Stone,

Treasurer Shannon Henry,

OFFICERS

Community Bank of Georgia

Bank of Dade

Chairman Chairman-Elect ViceChairman Chairman Treasurer Treasurer at Large Immediate at Large Immediate Past Chair Member Past Chair Member Frank Griffin, Frank Griffin, Mike Sale, Kelly Stone, Shannon Henry, Shannon Henry, Scott Curry, Scott Curry, Neil Stevens, Neil Stevens, Flint Community Bank Oconee State Bank

OFFICERS

Chairman-Elect Mike Sale,

The Commercial Bank

TheBank Commercial ofBank DadeofBank First State Randolph County

Community BankBank FirstBank Flint Community Dade StateofBank of Oconee State Bank of Georgia Randolph County

Vice Chairman Immediate Past Chair Kelly Stone, Neil Stevens,

OFFICERS

Community Bank Oconee State Bank of Georgia

NORTHERN DIVISION 21

Chairman Frank Griffin,

Chairman-Elect Mike Sale,

Flint Community Bank The Commercial Bank

Chris Cochran,

Charles Crawford,

OFFICERS Affinity Bank

Vice Ch Immediat KellyS Neil

Chairman Frank Griffin,

Chairm Mike

Bank of Dade First State Bank of Randolph County

Chairman Frank Griffin,

Chairman-Elect Mike Sale,

Flint Community Bank The Commercial Bank

Jane Lawson,

OFFICERS

First Peoples Bank

Mani Swarnam,

Doug Williams, SouthState Bank

21

Flint Community Bank

Ron Quinn,

Jonathan Pope,

Jolene Carroll,

Richy Everly,

Community Bank of Dublin, Laurens County

Magnolia State Bank

Bank of Wrightsville

Nancy Jernigan,

Stephen Lewis, First National Bank of Coffee County

Ray Muggridge,

First Port City

Bank of Camilla

The Comm

OFFICERS

Peach State Bank & Trust

Exchange Bank

21

Derek Williams, Century Bank & Trust

SOUTHERN NORTHERNDIVISION DIVISION

Brian Bazemore,

Commu Oconee of G

21

Hyperion Bank

Georgia Primary Bank

Treasurer Member at Large Shannon Henry, Scott Curry,

Heath Fountain, Colony Bank

Bran Thompson,

South Georgia Bank

17

Zac Frye,

Bulloch First

Eli Tinsley,

Planters First Bank

S u m m e r 2 02 4 | G eo r g i a C o mmu n ities Fir s t | 19 19

SPOTLIGHT

GET TO KNOW CBA CHAIR FRANK GRIFFIN

Frank Griffin, President, Flint Community Bank, Albany, elected 2024-2025 CBA Chair at CBA’s Annual Convention in June.

Frank was gracious about answering a few questions so our members can get to know him a little better. Take a moment to learn about Frank, his bank, personal life, commitment to his community, and what community banking issues are important to him.

1. How did you get started in banking? What was your first job?

My first job in banking was as a part-time teller at First State Bank & Trust in Albany, as a filler job between college and law school, in April 1996. Law school was a short-lived, ill-conceived adventure on my part. I promptly returned to banking and started in the management training program at First State Bank in September 1996. So, I’ve in banking 28 years and was named President of Flint Community Bank in June 2016.

2. What issues are important to you with regards to community banking?

Community Banks are the heartbeat of our communities. Community Bankers live, work and raise families in the communities they serve - providing needed guidance and support to the unique needs of their customers. They have the ability and competence to positively change the course of their hometowns, unlike many other financial institutions, because of their understanding of and commitment to their respective community. With that being said, community banks and community bankers have a story to tell, and we need to tell that story to the masses. My charge this year is to help us take that message to the streets.

20 | w w w.cb ao fga.co m | Su m m e r 2 02 4

3. Tell us a little about Flint Community Bank.

Founded in February 2006, Flint Community Bank is a $310 Million bank located in Albany, GA. We currently have 41 Flint Family members. For the past 18 years, we have striven to be the employer of choice and bank of choice for Albany and the surrounding counties. We believe that culture matters and we spend an inordinate amount of time each day working to improve it. Our culture is our primary focus because we believe the better the culture, the better the results are for all stakeholders – employees and shareholders. We are exceptionally proud of the culture we have built at Flint. This past year, the testimonies about our culture provided by Flint Family members caused the ICBA to name Flint Community Bank the Best Bank to Work For in the country, in the category of banks $250 Million - $500 million in total assets.

4. How did you become involved with CBA? How have you/your bank been involved?

We have been members of the CBA of Georgia since the early days of the bank when Steve Bridges came to visit during our organizing phase. The support and advice provided to us by the CBA as a de novo bank was pivotal in our growth and survival, especially during the financial crisis years, 2007-2009. Since then, many members of the Flint Family have served and continue to serve in various capacities on the Board, the LEAD board and on committees of the CBA. Countless Flint Family members have received training and professional development from CBA staff and associate members which have proven invaluable as the bank has grown in size, complexity, technology and employees.

One area of note is the relationships the CBA of GA, and recently, in conjunction with the ICBA, has developed in the FinTech space. This focus has allowed smaller banks like ours to see and hear from cutting edge technology developers and programmers, in and outside of our core providers, to gain knowledge of what new technologies would benefit our organizations, and oftentimes, even more importantly, what new technologies will not benefit our organizations.

8. Fun fact

SPOTLIGHT

Although it may not seem like fun to some, I love to be involved in making a difference and a better way for the next generation.

I have served in public education for the past 20 years. For 17 of those years, I served on the Lee County Board of Education and in 2021, Gov. Kemp appointed me to be the 2nd Congressional District representative on the Georgia State Board of Education.

5. Education background/banking schools:

- Bachelor of Science, Political Science, GA Southwestern University, Americus, GA 1996 - Graduate School of Banking at LSU, 2009-2011

6. What do you enjoy doing outside of work?

Outside of the bank, I love to read, travel, eat, hunt quail/ pheasant, and spend time with family and close friends.

I am also involved in the praise and worship ministry at Sherwood Baptist Church.

7. Tell us a little about your family.

My wife, Ashley, and I have been married 25 years. We have three children, two dogs and two cats – Jackson (23), Wyatt (20), and Mallory (18), along with Rip, Dutton, Percy and Penny.

Expand your loan portfolio profitability Diversify with loan yields up to 9% BHG Financial loans provide banks with rates up to 9%, premier credit quality, diversification benefits, lower expenses, and more. With average borrower incomes of $275K and 748 FICOs, these loans will look great on your books. Plus, no origination cost to your bank!

Talk to us today about adding strong-performing assets to your portfolio.

Earn up to 9 % Scan to learn more at BHGLoanHub.com

OR Contact your representative: Rachel Thornton 843.251.4223 thornton@bhg-inc.com

S u m m e r 2 02 4 | G eo r g i a C o mmu n ities Fir s t | 21

SPOTLIGHT

JONATHAN POPE NAMED 2024 - 2025 CHAIR OF LEAD BOARD

Congratulations to Jonathan Pope, Vice President/Commercial Lender, Exchange Bank, Milledgeville, who was named the 20242025 LEAD Board Chair at CBA’s Annual Convention CONNECT, in Amelia Island.

CBA President & CEO John McNair, expressed his appreciation to Jessica Hudson, AVP/Loan Operations Officer, First National Bank of Coffee County, Douglas, for her leadership and success as the outgoing 2023-2024 LEAD Board Chair.

The LEAD Board serves to align with and support the strategic initiatives set forth by the CBA Board of Directors, focusing on member and talent engagement, professional development, advocacy & PAC fundraising, and outreach efforts for talent acquisition and financial literacy. The committee provides opportunities for personal and professional growth, enhances understanding of the evolving banking environment, promotes the preservation of community banking principles, and cultivates the leadership skills essential for effective roles within both their financial institutions and local communities.

The LEAD Board members serve to represent the entire state of Georgia for a one-year term. Members engage in meetings, events and exercises that support the strategic efforts of the association. Their commitment to giving of their time and talent brings great value. Learn more.

CBA is welcoming four new members to the LEAD Board: • • • • •

Mrs. Michelle Dixon, Century Bank & Trust, Milledgeville Mr. Robert Harper, Bank of Wrightsville, Wrightsville Scott Henderson, Planters First Bank, Warner Robins Mr. Troy Poulin, The Claxton Bank, Claxton Mrs. Linda Smith, Embassy National Bank, Lawrenceville

We are grateful for the service of following bankers who have diligently served on the LEAD Board: • Mr. Chris Cochran, Affinity Bank, Atlanta • Mrs. Trudy Eller, American Commerce Bank, Bremen • Mr. Mani Swarnam, Georgia Primary Bank, Atlanta • Mr. Mike Underwood, Peach State Bank & Trust, Gainesville “I’m proud to work with such a dedicated group of community bankers who are passionate about our industry and committed to helping their peers engage, grow professionally, and advocate for community banking,” shared Kristi Greer, SVP-Director of Professional Development, Community Bankers Association of Georgia.

22 | w w w.cb ao fga.co m | Su m m e r 2 02 4

2024 - 2025 LEAD BOARD OFFICERS

Chair Jonathon Pope Exchange Bank

Chair-Elect Mark Thompson Glennville Bank

1st Vice Chair Jay Funderburke Bank of Alapaha

DIVISION CHAIRS Jonathon Guthrie, The Peoples Bank Robert Harper, Bank of Wrightsville Heather Stephens, Bank of Dade Kenny Dray, BankSouth Kyle Ray, Builtwell Bank Jason Rooks, Flint Community Bank Michelle Dixon, Century Bank& Trust

2nd Vice Chair Executive At Large Past Chair Kasey Blackburn Michael McGahee Jessica Hudson Family Bank Bank of Camilla First National Bank of Coffee County

MEMBERS AT LARGE Thomas Bennett, Pineland Bank Troy Poulin, The Claxton Bank Linda Smith, Embassy National Bank Scott Henderson, Planters First Bank

S u m m er 2 02 4 | G e o r g i a C o mmu n ities Fir s t | 23

The Community Bankers Association of Georgia (CBA) is thrilled to announce that the 2025 CONNECT convention will be held at the luxurious Ritz-Carlton Amelia Island from September 10-14, 2025.

This premier event promises to be an extraordinary gathering of community bankers, industry leaders, and financial experts, all coming together to share insights, network, and celebrate the achievements of the community banking sector.

Why Attend CONNECT 2025?

CONNECT 2025 is more than just a convention; it’s a unique opportunity to engage with the community banking network, gain new insights, and discover innovative solutions to drive success. The event is designed to inspire, educate, and empower community bankers, helping them to navigate the evolving landscape of the banking industry.

Registration Coming Soon

Mark your calendars and make plans to join us at the Ritz-Carlton Amelia Island from September 10-14, 2025, for CONNECT 2025. Registration details will be available soon on the CBA website. Don’t miss this opportunity to be part of an event that promises to be both enlightening and enjoyable.

For more information and updates on CONNECT 2025, visit the CBA website or contact the CBA office. We look forward to seeing you there and making CONNECT 2025 an unforgettable experience for all.

LINQS Join 100s of Banks that are Offering

LIFETIME RETIREMENT INCOME WHY LINQS+?

24 | w w w.cb ao fga.co m | S u m m e r 2 02 4

S u m m er 2 02 4 | G e o r g i a C o mmu n ities Fir s t | 25

SPOTLIGHT

Beyond the Bank

Troy Breitmann, CFP®, CTFA

Pedaling with a Purpose:

Meet the Banker Raising Awareness and Funds for Cancer Research Meet Troy Breitmann, CFP®, CTFA, First Vice President, Regional Trust & Fiduciary Manager at Queensborough National Bank & Trust, Augusta.

Beyond the bank, he has put his love of cycling to good use, by highlighting the power of community and teamwork to raise much needed funds for a cause close to his heart.

What do you do at the bank?

I lead the trust department where we provide a full suite of services from estate settlement, trust administration and fiduciary money management.

26 | www.cb ao fga.co m | S u m m e r 2 02 4

Tell us about your interest in cycling? How did you get started?

Just like many others, I enjoyed riding bikes as a kid and had a bike to get around to classes in college, but I really got serious about it as a hobby when my wife and kids bought me my first legitimate mountain bike for my 40th birthday. The Augusta area is blessed with many miles of single-track mountain bike trails and a very active group of volunteers who maintain the trails through the Southern Offroad Biking Association of the Central Savannah River Area or SORBA CSRA. I met many great people and eventually joined the group. As my skill and passion for the sport grew, so did my bike collection. Just before my 50th birthday, I jumped into the gravel bike scene. These bikes resemble road bikes but are built with offroad, thus “Gravel”, geometry and wider tires. Many of the same folks I rode mountain bikes with also rode gravel. This bike allowed me to dip my toe into the road biking world just a bit. In a typical week I will ride 3 or 4 times a week. My goal is to keep the mileage above 50 weekly. For road riders, that probably doesn’t sound like much, but it definitely is for single track and gravel!

The best part is whether you are in a race, riding a century (100 miles) or just 10 miles along the canal towpath, there is always someone who is happy to ride with you and have a great time! I think people who don’t bike don’t realize how social an activity it can be.

SPOTLIGHT Your recruiting efforts are working. What is your recruitment strategy?

How did the QB&T Paceline Team come about?

My wife, Amy, was diagnosed with ovarian cancer while pregnant 27 years ago. She miraculously gave birth to a healthy, although, premature baby girl before going immediately into chemotherapy to battle the cancer. Amy received her diagnosis and treatment at the Medical College of Georgia. I am forever grateful for the care Amy and our daughter received at the Georgia Cancer Center. Because of that care Amy continues to make the world a better place for our family and the community by serving as the President of the Golden Harvest Food Bank. That baby girl grew up to be a pediatric Occupational Therapist. She joined the Q team last year and rode with us! And miracle of miracles, we were able to have a son a few years later who is finishing his graduate degree and teaching classes at Middle Tennessee State University. When I saw an opportunity to combine my love of cycling with raising funds for the Georgia Cancer Center for basic research fighting cancer, I was all in! I spearheaded the formation of the Queensborough Team three years ago and love getting bank staff and customers to join in, especially if they are new riders. So far, the Q team has raised over $48,000.

As far as recruiting goes – I love to share my passion for cycling with people. Everyone is a cyclist just waiting to discover it! I have enjoyed getting some folks on the team who haven’t ridden since childhood. The community reach of the Paceline event is such a great fit for Queensborough. The impact of the research going on at the Georgia Cancer Center reaches all areas of our footprint and the format of the Paceline event is all about community involvement, riders, volunteers and cheerleaders on the route – perfect for a community bank! It is also an excellent way to participate in an event side by side with our customers and community members.

What similarities are there with biking and banking?

I do think there is some similarity between my involvement with Paceline and what I do here at Queensborough. I love helping people learn something new that can have a positive effect on their lives. In a lot of ways that is what I can do for trust and estate beneficiaries. Helping beneficiaries through a very difficult time and working with them to bring about a positive impact in their lives through the legacy we have been trusted to carry out. It is very fulfilling when we work together as a team to make that happen!

We started out with 6 Q team members and 3 customers. This year we are on track to have 10 Q members and 9 customers and community members.

S u m m er 2 02 4 | G e o r g i a C o mmu n ities Fir s t | 27

SPOTLIGHT

LOOKING FOR SOLUTIONS? LOOK TO CBA FIRST!

Meet CBA’s Associate Member Companies If you’re searching for solutions tailored to the needs of community banks, the Community Bankers Association of Georgia (CBA) offers a comprehensive roster of Associate Member Companies. These companies provide a wide range of products and services designed specifically for community banks. By exploring our list, you can find trusted vendors who specialize in areas such as technology, compliance, marketing, and more. The CBA Associate Member directory serves as a valuable resource for discovering innovative solutions and industry expertise to help your bank thrive in today’s competitive landscape. Visit the CBA website to learn more and find the right partner for your needs.

Preferred Service Providers

28 | w w w.cb ao fga.co m | S u m m e r 2 02 4

• • • • • • • • • • • • • • • • • • • • • • • • • • • • • • • • • • • • • • • • • • • • • • • • • • • • • • • •

Associate Members

360 View CRM Abram Armored Abrigo ACG, Inc. Affordable Equity Partners Agent IQ AgoraEversole Alliance Funding Group Allison Alston & Bird LLP American Security & Privacy AmTrust Financial Services, Inc. Arctic Wolf Networks Asset Black, a Momentum Company Atris Technology Balch & Bingham LLP Banc Card BankerBounty BHG Financial Group Bankers-Insight Group, LLC Barret School of Banking BCC-USA BDS Technology, Inc. Bennett Thrasher Berman Fink Van Horn P.C. Cabretta Capital Capital Partners CDC Captive Solutions & Options, LLC Carr, Riggs & Ingram, LLC Cash Transactions, LLC CBIZ College Avenue Student Loans Community Bankers Bank Community Bankers Webinar Network Computer Services, Inc. Conformance, LLC Consolidated Banking Services, Inc. Core10 Cornerstone Commercial Mortgages, LLC CRS Data Darnel Quick Recovery, Inc. DataSeers, Inc. DCI Deephaven Mortgage DeNyse Companies Drexler Consulting, LLC ebankIT Eclipse Brand Builders Endurance Advisory Partners Engage Fi Econocheck Elliott Davis Evans, Simpson & Associates, Inc. Executive Insurance Agency, Inc. Federal Home Loan Bank of Atlanta FEMAC Security Solutions

• • • • • • • • • • • • • • • • • • • • • • • • • • • • • • • • • • • • • • • • • • • • • • • • • • • • • • • • •

Finastra FINBOA FiNet Finosec FIS First Liberty First National Bankers Bank Fiserv Fitech FiveByFive Funding Fiveash-Stanley, Inc. Forvis Framework Homeownership GEC, Inc. Genesys Technology Group Georgia Department of Community Affairs Georgia Student Scholarship Organization Gerrish Smith Tuck, PC Gulf Coast Business Credit Harvest Investments Holtmeyer & Monson HuLoop Automation, Inc. Hutchins Clenney Rumsey Huckaby, P.C. IBT Apps ICBA CRA Solutions ICBA Securities IMAC - Insurance Marketing Administration Independent Community Bankers of America Infusion Integration 4.0 Inc Intellekt.ai IntraFi Integris Jack Henry Banking James-Bates-Brannan-Groover-LLP Kairos Sales Group Kasasa KlariVis Lee & Mason Financial Services, Inc. Lenders Cooperative Lewis James Professional Liberty Technology M&R Marketing Group Mauldin & Jenkins McNair, McLemore, Middlebrooks & Co., LLC MountainSeed Nasdaq Verafin National Bank Products, Inc. National Loan Acquisitions, LLC Nelson Mullins Newcleus NFP Executive Benefits Nichols Cauley & Associates Novatech Olsen Palmer LLC PaymentsFirst PCBB

SPOTLIGHT • • • • • • • • • • • • • • • • • • • • • • • • • • • • • • • • • • • • • • • • • • • • • • • • • • • • • • • • •

Pentegra Retirement Services Performance Solutions Inc. Performance Trust Plinqit PLUTUS Commercial Funding, Inc. Point to Point Environmental Profit Resources, Inc PULSE, A Discover Company PYA Quality Data Solutions Quilo QwickRate Relation Insurance R&T Deposit Solutions + Total Bank Solutions S&P Global Market Intelligence Safe Systems Securian Casualty Company Securitas Financial Services, Inc. Sentry Advisors, LLC ServisFirst Bank SHAZAM Sheridan Construction Small Business Assistance Corporation (SBAC) Southern Bank Equipment & ATMs Steve H. Powell & Company StoneCastle Stokes Carmichael & Ernst LLP Strunk, LLC STS Group Sugar Creek Capital, LLC. Sutter McLellan & Gilbreath Inc, an Alera Group Company Symphona Strategic Resource Management (SRM) Meridianlink Technology Association of Georgia The Burke Group The Kafafian Group The NBS Group LLC The James Paul Group The Plateau Group, Inc. The Travillian Group ThreatAdvice TIB, N.A. Tioga Capital Travelers TriData US, Inc. Troutman Pepper True Digital Group United Bankers’ Bank United Healthcare USDA - Department of Rural Development Vericast Warren Averett, LLC William Mills Agency Wipfli Wolters Kluwer Works24 Corporation

S u m m er 2 02 4 | G e o r g i a C o mmu n ities Fir s t | 29

PROFESSIONAL DEVELOPMENT

Education Buzz: Why Train?

The Value of Training: Have you ever questioned the importance of participating in training opportunities? There are numerous benefits to be gained. Continuous professional development not only fosters secure banking practices but also cultivates talent success and drives institutional innovation. The opportunities to network, connect, and learn are invaluable.

While the return on investment (ROI) of training can be challenging to quantify, its impact becomes measurable when participants are held accountable for applying newly acquired knowledge to their roles and responsibilities. This intentional approach ensures that training translates into tangible benefits for both individuals and the organization.

Invest in professional growth by participating in the many training options that your Community Bankers Association offers. And remember training supports innovation strategies.

3 0 | w w w.cb ao fga.co m | Su m m e r 2 02 4

Kristi Greer

Senior Vice President Director of Professional Development Community Bankers Association of Georgia

PROFESSIONAL DEVELOPMENT

UPCOMING SCHOOLS AND CONFERENCES

Amelia Island, The Ritz *New Location/Same great price!

Advanced BSA: AML/CFT Officer School

August 19-23

LEAD ON

September 12-13

Retail Banking Leadership 1 & 2

September 17-18 & October 22-23

Macon

Consumer/Retail Lending School

October 1-4

Macon & Virtual

October 22-24

Macon *New Instructor *New Material & Case Studies

Commercial Lending Bootcamp

The Westin, Savannah

Always Your Partner.

Never Your Competition.

FNBB is your trusted correspondent banking partner. With FNBB, you gain access to a financially stable provider and the assurance that we will never be your competition.

Jeff Sands

Charles Morris

Chad Wilson

Regional Market President

Correspondent Lending Officer

Relationship Manager

cmorris@bankers-bank.com

jsands@bankers-bank.com

cwilson@bankers-bank.com

800.318.6272

To learn more, scan the QR code and visit our website.

Service Beyond Comparison MEMBER FDIC

S u m m e r 2 02 4 | G eo r g i a C o mmu n ities Fir s t | 31

PROFESSIONAL DEVELOPMENT

Roundtable Advice for Professional Development CBA’s R.A.P. sessions provide our bankers with chances to connect and learn from peers in similar roles. We provide a range of professional growth opportunities.

• • • • • •

Loan Operations September 5 Marketing Roundtable September 17 ISO-Information Security Fall Date in November Coming Soon Compliance with Banker Regulatory Forum October 17 Human Resources/Talent Development October 18 & December 6 Bank Secrecy Act December 5

NEW: Mitigate Fraud Risk On October 9, we will meet in Macon to bring you the latest trends in fraud. Plus, learn what legal obligations banks have when a fraud incident takes place.

Mark your calendars and don’t miss out on this valuable training opportunity!

Add a professional designation to your signature line!

Check out ICBA’s Education opportunities and certification programs!

Completing training with your community banker’s association, yes; that’s us, gives you a chance to earn continuing education credits that align with these professional certifications.

When selecting to register for a ICBA Education, please use our state association code. Using the code will alert ICBA to give back to Georgia through our alliance in supporting the community banking industry.

3 2 | w w w.c b ao fga.co m | Su m m e r 2 02 4

State Association Code: GA-CBA

PROFESSIONAL DEVELOPMENT

NEW DATES

Cyber Fraud is real! You must attend this educational program to stay abreast and ready to prevent a cyber attack.

This event is perfect for those looking to deepen their understanding of cyber threats, learn from regulatory experts, and explore the latest in cyber risk management strategies. Engage in vital discussions on AI, third-party risk management, and more to ensure your institution stays secure and compliant in an everevolving digital landscape. Dive into this critical field to safeguard your organization’s future.

Closing SBA loans keeps doors open.

Small businesses count on your expertise.

You can count on ours.

Your customers have never needed capital more than they do right now. Plus you need to offset narrowing margins by increasing noninterest fee income. SBA and USDA lending is the perfect answer. And ICBA recommends just one provider to make the process hassle-free: Holtmeyer & Monson. Give customers exactly what they need, at no net cost to your bank.

Get started today.

800.340.7304 holtandmon.com

S u m m er 2 02 4 | G e o r g i a C o mmu n ities Fir s t | 33

PROFESSIONAL DEVELOPMENT

UPCOMING PROGRAMS

Experience CBA’s premier professional development event, revered as the most frequented gathering in all our offerings by bankers each year.

We are excited to host this year’s school on Amelia Island at the Omni Resort & Hotel.

Why should banks choose this educational program?

• Take aways – bankers leave with lots of tools and resources to support a sound Bank Secrecy Act policy.

• Receive expert knowledge that enables you to audit and update internal procedures • Network and learn from your peers • Enjoy a new location

Quality assurance, tax, and advisory services are critical for financial institutions in today’s rapidly changing industry landscape.

We currently provide professional services to hundreds of financial institution clients throughout the country, which translates into a first-hand understanding of the industry and its best practices.

MJCPA.COM • 800.277.0040 3 4 | www.cb ao fga.co m | Su m m e r 2 02 4

PROFESSIONAL DEVELOPMENT CBA’s popular package of quarterly compliance training with additional reduced pricing & resources continues in 2024 with timely topics to support the industry.

We continue to provide training on those hot topics that impact your ongoing knowledge growth. Join us in September and December for: • •

September 25 or 26: Building an Effective Fair Lending Program December 10 & 11: Fraud and Regulation E

Liquidity. Credit Quality. Efficiency.

Rely on our solutions to help you navigate these top issues in 2024.

Non-brokered CD Deposits CD Investing Contingency Funding

CECL Compliance Portfolio Credit Stress Test Bank Research Performance Metrics Peer Comparisons NIM Analysis

External Loan Review Services Internal Loan Review Tool Portfolio Analysis Loan Level Credit Stress Test Document Review Services Due Diligence Services Other Credit Consulting

Schedule a demo, or a quote for your next loan review. info@qwickrate.com

qwickrate.com

S u m m er 2 02 4 | G e o r g i a C o mmu n ities Fir s t | 35

PROFESSIONAL DEVELOPMENT

A Community Bank Leadership Retreat for All Bankers

Why should I grow my professional knowledge? Why not? If you aren’t learning you will get complacent in your work. Our leadership bankers are inviting you to join in setting learning goals and taking action to support ongoing professional development to increase your skills and career net worth!

We are Empowering Leaders to Lead ONward!

Join your fellow bankers to ignite and cultivate your professional leadership status. The LEAD ON retreat is planned to be highly interactive so you can create supportive teams while moving to a focused community bank leader.

Day 1 – with April Farlow •

•

Change Management: The banking world is changing rapidly with evolving customer expectations, regulatory demands, market trends, AI and increased fraud. Working proactively to problem solve and innovate is critical. This is a session designed to help bankers proactively embrace innovation and stay ahead of the curve for long term success in a highly competitive market.

Listening Based Leadership: For community bankers, trust and credibility are paramount.

Active listening helps the customer feel heard and understood, while also allowing the banker to assess risk and craft creative solutions to build relationships. Few people have ever taken a public listening class (rather they focus on public speaking classes). Leadership requires strong listening skills, and this session allows participants to practice a fundamental skill.

Day 2 with Lori Godfrey & Jack Coleman •

Community Bank Advocacy: As the financial industry rapidly evolves, how do we as leaders advocate to support a safe and sound banking portfolio? This session will encourage bankers to proactively work together to support each other and establish resources to protect the business. We will have fireside chats and roundtable discussions to create action plans.

3 6 | w w w.cb ao fga.co m | S u m m e r 2 02 4

•

The fireside chat will cover: • Understanding the importance of advocacy • Where bankers fit into advocacy • Tools and training tips • Seeing the difference between federal and state advocacy efforts • Open questions and forum discussion

PROFESSIONAL DEVELOPMENT

Back by Popular Demand!

Community Bankers Association of Georgia (CBA) is pleased to announce the Tech Talk—North Event, November 6 & 7, 2024 at the ICBA ThinkTECH offices in Atlanta. If you are looking to network with bankers who are just starting or down the road in their innovation journey, then this event is for you. Tech Talk North is the perfect platform to network with industry leaders, share insights, and discover innovative solutions to stay competitive in today’s fast-paced banking environment. Don’t miss this chance to empower your bank with the knowledge and tools needed for success. Ideal for IT officers, innovation officers, and all C-Suite positions.

Who should attend:

President/CEO, CFO, Chief Innovation Officer, Chief Information Officer, Chief Technology Officer, Compliance Officer, Core Services Officer, Digital Bank Manager, information Technology Officer

North: Deep Dive

The North event caters to more seasoned professionals, focusing on advanced topics and deeper exploration of innovative practices.

Sponsorships Available or contact Lindsay Greene about sponsorship opportunities.

At Stokes Carmichael & Ernst LLP, we have been bringing “The Power of Legal Knowledge®” to the challenges faced by the financial community in the areas of credit and collections, banking litigation, fraudulent conveyance litigation, bankruptcy representation, defense of lawsuits, and loan workouts since we opened in 1972.

Our clients appreciate the “Real World Legal Solutions®” that we bring to the myriad legal matters facing banks today. We welcome the opportunity to put our experience to work for you. Please contact us to discuss how we can help you optimize recoveries for your bank.

Stokes Carmichael & Ernst LLP scelaw.com | mje@scelaw.com 404.352.1465 x441

THE POWER OF LEGAL KNOWLEDGE® S u m m er 2 02 4 | G e o r g i a C o mmu n ities Fir s t | 37

MEMBER SERVICES

The Meek… Inherit a prominent place in bond portfolios.

Jim Reber

President & CEO ICBA Securities

There are a whole lot of anomalies in community banking in the waning stages of this restrictive Fed cycle. One of the overriding themes is the sheer duration of the process. We’re now fully one year past the last tightening, which has left the effective overnight rate at 5.375% since July 2023 and giving rise to the “higher for longer” sound bite. The past six tightening cycles have averaged well under a year between last hike and first ease. We will be soon approaching another record: the longest-ever pause between last hike and first cut is 15 months, from June 2006 to September 2007.

There are myriad implications on community bank operations from this year-plus hibernation. Being a representative of the broker-dealer industry, I’d like to point out the attractive yields available in most any investment sector that banks care about.

Baked into this decadent batter, however, are three obstacles for portfolio managers.

Hills to climb The first is this persistently inverted yield curve, which is now more than two years old. This makes decision-making dicier: Extend, and forego current income for future total return benefits, or stay short and invest at today’s higher yields, and accept some reinvestment risk?

The second is the still-to-be-determined outcome of the great deposit shuffle, which really began with Silicon Valley Bank’s demise in March 2023. The disintermediation of core deposits continues. Many community banks have, for the first time ever, entered the brokered deposit market. FHLBank system advances nearly tripled between March 2022 and March 2023, from $375 million to $1.04 trillion.

The third are the hefty unrealized losses as quantified in the AOCI account at virtually all depositories. As of the end of June, those losses are still in the neighborhood of 12% of face value. This number has actually gotten a bit worse since the Fed hit the pause button, as yield spreads have remained historically wide and the effect of the inverted curve has taken root.

Simply elegant Here’s what estimable investment managers have noticed: It can pay to rid oneself of option risk. That’s a complicated way to say that the simplest bonds may have the best relative value in mid-2024. So far this year, a large percentage of bonds purchased by community banks have been treasury and non-callable (“bullet”) agencies. This may be the first year in a generation for high performing portfolios to hold more treasuries than municipal bonds. The current appeal of treasuries and agencies is due to the nominal yields, which investors sense may be short-lived. Add to this the “lock in” benefits of a bond that cannot be redeemed early, and you’ve got a winner.

Many portfolio managers are building in some future ability to swap out of these highly liquid instruments for others with better market yields once the yield curve assumes its normal 3 8 | www.cb ao fga.co m | Su m m e r 2 02 4

shape. Also, munis continue to be prohibitively expensive for C Corporations. Investment grade tax-frees trade at levels that are “through the curve” (i.e., lower than treasuries) for most maturities out to 10 years.

Born to run Mortgage-backed securities (MBS) continue to play a significant role for community bank balance sheets. In aggregate, MBS still comprise the majority of all positions in bond portfolios. The runup in their sector weightings took place between 2019 and 2021, and as a group their unrealized losses are well over 10%. Those positions are paying down at a torturously slow pace as new mortgage rates remain elevated.

Still, their appeal in the current market stems from the ready supply of product at prices deeply discounted to par. One day there could be an acceleration of refinance activity, and MBS with purchase prices in the mid- to low-90’s will show a big bump in book yields if mortgage rates drop 200 basis points (2%). A popular example is the “Hybrid ARM.” Hybrids are issued by your favorite government sponsored enterprises (GSE), namely Fannie Mae, Freddie Mac, and Ginnie Mae. They have 30-year amortization periods, and a fixed rate period between three and 10 years that you can pick. After the “roll date,” the remaining face value will float annually. And this: they’re available at well over 5% yields, and no premium risk.

Best news yet We have established that the highest-yielding bond portfolios have a healthy dose of the most simplistic bonds. What else is a departure from convention is that the shorter the collection of investments, the better the performance. According to Stifel, as of June 30 the top quartile portfolios have an effective duration of only 3.5 years. The bottom quartile’s duration is a full year longer and has tax-equivalent yields that are exactly one-half of the top 25%’s: 3.87% versus 1.94%.

There will be a day when investment fundamentals will normalize. Positively-sloped curves, for example, will force managers onto a different branch of the decision tree.

However, for the time being, less is more, and simple delivers relative value. *

*

*

*

*

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

Is your community bank bond portfolio performing?

MEMBER SERVICES

Meet Jim. Jim meets with community bankers across the U.S. to discuss ICBA Securities’ investment products, services, and education through our exclusively endorsed broker, Stifel. Investing through ICBA Securities is a direct investment back into the community banking industry.

When Jim is on the road, he always takes time to enjoy local restaurants and share on social media.

As an ICBA member, you’ve got Jim’s help investing.

Learn more at icba.org/securities

S u m m e r 2 02 4 | G eo r g i a C o mmu n ities Fir s t | 39

MEMBER SERVICES

There’s More to FDIC’s New Advertising Rule The FDIC final rule to amend Part 328 of its regulations (FIL65-2023) became effective April 1, 2024, with a mandatory compliance date of January 1, 2025. The amendment modernizes the rules governing the use of the official FDIC signs and advertising statements, and clarifies the FDIC’s regulation regarding false advertising, misrepresentations of deposit insurance, and misuse of the FDIC’s name and logo.

With rapid advancements in banking technology and as insured depository institutions (IDIs) leverage fintech relationships, the potential for consumer confusion regarding FDIC deposit insurance coverage also increases.

Although the FDIC has maintained regulatory requirements for advertising and displaying its official signage, the final rule is intended to enable consumers to better understand when they are conducting business with an IDI and when their funds are protected by the FDIC’s deposit insurance coverage.

For all FDIC-insured institutions, the rule, amongst other things: • Modernizes the rules governing the display of the FDIC official sign in branches and extends the application of sign requirements to certain other physical premises; • Establishes and requires a new FDIC official digital sign on bank websites, mobile applications, and certain ATMs and other like devices; • Requires the use of signs that differentiate insured deposits from non–deposit products across banking channels and disclosures; • Requires a one–time per web session notification when a logged-in bank customer leaves the IDI’s digital deposit–taking channel to access nondeposit products on a nonbank third-party’s website; • Provides IDIs with additional flexibility for satisfying official sign and advertising statement requirements; and • Requires IDIs to establish and maintain written policies and procedures addressing compliance with FDIC’s signage rules.

Don’t miss these two new requirements –a new FDIC official digital sign and written policies and procedures to ensure compliance with the rule.

FDIC Official Digital Sign. Insured depository institutions will be required to display the FDIC official digital sign wherever the institution offers digital deposit-taking channels. The new signage has very specific size, color, font and placement requirements. The new official digital sign and key requirements for using it in digital media are:

4 0 | w w w.cb ao fga.co m | S u m m e r 2 02 4

Leah Hamilton, JD

Director Education Services & Compliance Risk Advisor Sentry Advisors, LLC

Design Requirements.

• Font: Source Sans Pro Web • “FDIC” must be a wordmark size of 37.36 × 15.74px in navy blue (hexadecimal color code #003256) • “FDIC-Insured—Backed by the full faith and credit of the U.S. Government” must be in regular 400 italic (12.8px) and with black (hexadecimal color code #000000) lettering

If the FDIC official digital sign in these colors would be illegible in a digital-taking channel, due to the color of the background, the entire FDIC official digital sign shall be displayed in white (hexadecimal color code #FFFFFF).

Legible, Clear and Conspicuous. The FDIC official digital sign must be clearly, continuously, and conspicuously displayed across all insured depository institution digital deposit-taking channels, including website(s), web- based or mobile applications that offer the ability to make deposits electronically and provide access to deposits at IDIs. Display on the following pages or screens is mandatory: • • •

Initial or homepage of the website or application; Landing or login pages; and Pages where the customer may transact with deposits.

NOTE: An official digital sign continuously displayed near the top of the relevant page or screen and in close proximity to the IDI’s name would be considered clear and conspicuous.

Written Policies and Procedures. The final rule also requires covered institutions to establish and maintain written policies and procedures to achieve compliance with the FDIC’s official signage and advertisement requirements.

Additionally, as appropriate, monitoring and evaluating activities of persons that provide deposit-related services to the IDI or offer the IDI’s deposit-related products or services to other parties must be incorporated in such policies and procedures.

Repurpose pledged funds for balance sheet flexibility.

Reduce collateralized deposits and increase asset liquidity.

By significantly reducing the collateral it holds for pledging purposes, your bank can avoid having pledging requirements drive its investment strategy. Reducing collateralization can give your bank more flexibility to manage interest rate risk. And, decreasing the need to track collateral on an ongoing basis can save time for both your bank and its customers.

Talk to us today about IntraFi's solutions for collateral reduction.

www.intrafi.com

Contact your Managing Director, Danny Capitel at (866) 776-6426, x3476 or dcapitel@intrafi.com.

Use of an IntraFi service is subject to the terms, conditions, and disclosures in the applicable program agreements. Deposits placed through an IntraFi service that are placed at FDIC-insured banks in IntraFi’s network are eligible for FDIC deposit insurance coverage at the network banks.

IntraFi is not an FDIC-insured bank, and deposit insurance covers the failure of an insured bank. A list identifying IntraFi network banks may be found at https://www.intrafi.com/network-banks. The depositor may exclude banks from eligibility to receive its funds. Certain conditions must be satisfied for “pass-through” FDIC deposit insurance coverage to apply. To meet the conditions for pass-through FDIC deposit insurance, deposit accounts that hold deposits placed using an IntraFi service are titled, and deposit account records are maintained, in accordance with FDIC regulations for pass-through coverage. IntraFi and the IntraFi logo are registered service marks of IntraFi LLC.

S u m m er 2 02 4 | G e o r g i a C o mmu n ities Fir s t | 41

MEMBER SERVICES

3 Real-World Use Cases of API Middleware for Community Banks

Wyatt Licht

Innovation is key for community banks to remain competitive, yet legacy systems often hold them back. These outdated systems, many designed decades ago, lead to inefficiencies, operational bottlenecks, and high maintenance costs, consuming up to 80 percent of IT budgets.

Fortunately, API middleware helps community banks break free from these constraints. Middleware acts as a bridge between legacy systems and new applications, enabling banks to innovate without a complete system overhaul. Middleware may sound daunting and highly technical, but it can be simplified into three key areas where it significantly impacts banks: Integrations, Data Warehouse and Analytics, and Customer Experience.

Integrations API middleware leverages a “one-to-many” connection model, allowing banks to establish a single, robust integration point that efficiently connects to multiple systems and services. This simplifies the integration process, reduces development time, and provides flexibility to quickly adopt new technologies and services. Key benefits include:

Sales Executive Core 10

Leveraging AI Capabilities: Banks are unable to fully leverage artificial intelligence unless data is normalized and prepared for ingestion. Modernizing the core technology/data layer is crucial for scalable, resilient systems that support real-time AI capabilities.

Example: Banks can utilize normalized data in an AI model for predictive analytics.

Enhancing Fraud Detection: As banks embrace embedded finance, middleware provides the infrastructure to aggregate customer data and call upon it in real-time, instead of retroactively.

Example: Middleware enables real-time fraud detection by analyzing transactions across multiple sources, identifying patterns, and flagging suspicious activities.

Customer Experience Enhancing customer experience is a primary goal for banks, and API middleware plays a significant role in achieving this.

Enabling Best-of-Breed Partners: Middleware enables banks to seamlessly integrate with cutting-edge fintech partners and financial service providers.

Reducing Friction and Frustration: Middleware allows for faster turn times by automatically exchanging data and triggering processes across applications.

Example: Middleware helps banks partner with fintech partners for enhanced services, including deposit account opening, digital lending, and fraud prevention.

Example: Banks can support faster activation of accounts and funds, quicker resolution of tickets, and automatic ordering of third-party services.

Driving Business Banking Value: Direct integrations facilitate additional services and value to commercial customers.

Personalizing Your Banking Services: Middleware unifies disparate data, giving bankers a full view of their customers – enabling personalized banking experiences.

Example: An integration with NetSuite streamlines business banking operations and allows banks to better serve business customers.

Reducing Manual Efforts: Data entered once is automatically synchronized across critical processes, ensuring accurate records without manual re-entry.

Example: Middleware eliminates the need for customer or account detail changes to be manually updated in the core, CRM, and other systems.

Data Warehouse and Analytics API middleware enables banks to integrate and consolidate data from various sources into a centralized repository, ensuring data quality and consistency. It supports real-time data processing, promotes scalability, and facilitates advanced analytics. This helps banks in: Creating a 360-Degree View of their Customers: Middleware fosters comprehensive customer insights and data-driven decisions.

Example: Middleware consolidates customer data from various sources to identify cross-sell opportunities and enhance engagement.

42 | w w w.cb ao fga.co m | Su m m e r 2 02 4

Example: Middleware can help a bank offer tailored treasury management services for improved cash flow management to business customers.

Increasing Omnichannel Consistency: Middleware helps unify disparate sources of customer and internal data into one platform, forming a single source of truth. This creates a seamless, connected experience across channels.

Example: A customer’s transaction history can be updated in realtime across all channels, allowing them to see the same account balance regardless of channel.

API middleware offers transformative benefits for community banks in integrations, data warehouse and analytics, and customer experience.

By adopting these solutions, banks can enhance operational efficiency, gain deeper customer insights, and provide superior service. To learn more about how Core10 can assist with API middleware solutions, contact us today.

MEMBER SERVICES

Can you call it growth if it never impacts the bottom line?

Real growth looks like:

6x

higher average balances per account.

45% 2/3

more non-interest income.

less reliance on expensive CDs.

Download the report to start driving real growth.

Kasasa helps community financial institutions create real growth with a new approach to checking and savings - at a fraction of the cost.

S u m m e r 2 02 4 | G eo r g i a C o mmu n ities Fir s t | 43

MEMBER SERVICES

FALL SPONSORSHIP OPPORTUNITIES

Let CBA help you hit your Q3 & Q4 sales goals!

Target your audience and grow your brand recognition by sponsoring an upcoming CBA event.

Let’s discuss your goals and design the best package for your needs.

Contact Lindsay Greene.

compliance profitability growth

Upcoming Programs:

August: • Advanced BSA/AML/CFT School September: • Loan Operations R.A.P. 2 • Retail Banking Leadership 1 & 2 • Building an Effective Fair Lending Program • Charlie Curry Memorial Clay Shoot October: • Consumer Lending School • Fraud Guard Prevention Topics • Cyber Risk Summit • Commercial Lending Bootcamp • Retail Banking Leadership 3 & 4 • Chuck Harwell Memorial Clay Shoot November: • Tech Talk North • HMDA Workshop December: • BSA: AML/CFT Forum & R.A.P.

PRICING MANAGER

www.strunkaccess.com info@strunkaccess.com 800.728.3116

✓ Arm Lenders with Tools They Need ✓ Calculate Relationship Profitability ✓ React to Changing Environment ✓ Drive Pricing Consistency ✓ Improve Net Interest Margin

Pricing Manager is a fully hosted, web based solution that allows banks to deploy a tool to all lenders so that they are equipped to price loans profitably based on the bank’s target profitability objectives.

✓ Give Clients Options

INCREASE NIM & WIN MORE DEALS

✓ Win More Deals

4 4 | w w w.cb ao fga.co m | Su m m e r 2 02 4

MEMBER SERVICES

CBA’S 2024 MEMBER SERVICES PREFERRED SERVICE PROVIDERS

Under the leadership of CBA’s Member Services Committee, which is made up of community bankers, CBA identifies companies who are dedicated to serving community banks and who will provide CBA members with quality service. All Preferred Service Providers have earned the approval of the Member Services Committee.

DIAMOND LEVEL

SILVER LEVEL

Jim Reber | jreber@icbasecurities.com | 901.762.5884

Phil Winn | Phil.Winn@acgworld.com | 678.458.9899​

Scott Brown | scott.brown@icba.org | 334.328.5731

Laura Day | laura.day@core10.io

Dan Brannan | dbrannan@jamesbatesllp.com | 404.997.6023

Joel Thompson | jthompson@eclipsebrandbuilders.com | 678.894.4360

Alex Jernigan | jjernig@Shazam.net | 229.220.0064

Paxton Sakha | paxton@econocheck.com |404.376.8536

PLATINUM LEVEL

Ryan Sower | ryan@executiveinsuranceagency.com | 770.474.2355

Drew Kessler | drew@genesystg.com | 678.208.6030

Zach Duke | zach@finosec.com |404.434.2873

ICBA Securities

Independent Community Bankers of America James Bates Brannan Groover LLP SHAZAM

Genesys Technology Group, LLC

Wipfli Summer Gustin | summer.gustin@wipfli.com | 480.289.6052

ACG

Core10

Eclipse Brand Builders

| 706.766.5522

Econocheck

Executive Insurance Agency, Inc. Finosec Kasasa

Tess Bechel | tess.bechel@kasasa.com | 859.552.2564 Newcleus Bank Advisors

GOLD LEVEL

JR Llewellyn | jr.llewellyn@newcleus.com | 678.427.1015

Arne Monson | amonson@holtandmon.com | 800.340.7304

Don Shafer | don@quilosolutions.com | 972.793.2996

Cameron Loughery | cameron.loughery@fid.integrisit.com | 470.683.6882

Melissa Wallace | melissa.wallace@qwickrate.com | 678.797.4062

Danny Capitel | dcapitel@promnetwork.com | 770.630.6796

Michael Ernst | mje@scelaw.com | 404.603.3441

Holtmeyer & Monson Integris

IntraFi Network

Mauldin & Jenkins Ron Mitchell | rmitchell@mjcpa.com | 229.446.3600 Point to Point Environmental

Mark Faas | mfaas@p2penvironmental.com | 678.565.4435 Ext 151 STS Group

Adam Stephens | adams@stsgrp.com | 256.957.8018 Travelers

Megan Raines | mmraines@travelers.com | 678.317.7766

Quilo

QwickRate

Stokes Carmichael & Ernst LLP

Strunk

Kristi Daly | kdaly@strunkaccess.com | 713.423.0926 BRONZE LEVEL

Abram Armored

Tony Webb | twebb@abramarmored.com | 770.855.2989 College Ave Student Loans

Brian Reed |breed@collegeave.com | 610.620.4322 ICBA CRA Solutions

David Lenoir | David.Lenoir@icba.org | 901.529.4786 United Healthcare

Michael Wahlstrom | michael_wahlstrom@uhc.com |404.909.5318 Interested in becoming a Preferred Service Provider?

The Preferred Service Provider packages offers Associate Members the option of upgrading to package of your choice. A few benefits include early access to advertising, exhibiting and sponsorship opportunities, simplified budgeting and of course – increased exposure! All packages are reviewed by CBA’s Member Services Committee. To learn more, please contact Lindsay Greene at 770.541.0376.

S u m m e r 2 02 4 | G eo r g i a C o mmu n ities Fir s t | 45

46 | w w w.cb ao fga.co m | Su m m e r 2 02 4