OBL_Mag_WINTER24_Final

OHIO RECORD

OVER THE HORIZON

I recently celebrated my 21st anniversary with OBL and am wrapping up year 11 as President/CEO. It is an incredible honor to serve Ohio’s banking industry in this vital way. As we close the books on 2024 and ready for 2025, I’m feeling very grateful.

Passing Around Plaudits

Thanks to everyone who attended our second annual OBL Main Event. WOW! It was humbling to have a record turnout with more than 400 banking leaders in attendance. As I often say, we do not exist without you. It was an especially fun gathering this year as we started a new tradition of handing out well-deserved industry awards. Thanks to all of those who were nominated and congrats again to each of the winners.

I’m grateful for the team of professionals with whom I have the pleasure of working. Your OBL staff and I are blessed for the opportunities given to us by great Ohio bankers and generous service provider partners. We know what we do is special, and you tell us in many ways that what we do day in and out matters.

None of what we do is done alone. It starts with our volunteer leaders who give of their time, talent and treasures in so many ways for the betterment of the Ohio banking industry. Thanks to each member of the OBL Board of Directors, OBL BankServices Board and Ohio Bankers Benefits Trust Board of Trustees. Thanks also goes out to OBL’s Government Relations Council and PAC Board, as well as our Next Gen Advisory Board. There were numerous opportunities where you gave us not only timely, value-added insights from a practitioner’s perspective but also participated in stakeholder meetings with policy makers, wrote letters as a part of grassroots campaigns, joined us in Washington, D.C. on one of our fly-ins or weighed in as a part of our Day at the Capitol.

We also thank our Member Banks! OBL has a proven history of success, innovation and resilience. This is the result of the Ohio banking industry’s commitment to move forward pursuing a unified vision. We attracted three banks as new members this year. It is tangible affirmation that OBL speaks on behalf of Ohio’s banking industry. Thank you for your continued vote of confidence. Ensuring you and your associates have everything necessary to deliver on your bank’s mission and thrive is our focus.

A material way in which OBL delivers value to Member Banks is through the business service provider relationships. OBL BankServices works conscientiously to support sustainable independence for community banks by identifying or engineering new solutions that

enable those banks to cost-effectively stay ahead of developing industry trends while also helping their bottom lines. A special thank you goes out to each of those companies because their generous financial support also is meaningful for the Association’s bottom line. A broad array of service providers is strategically pursued as Affiliate Members to provide a greater breadth and depth of product and service options to meet diverse community bank needs. OBL has more than 130 such relationships. Service providers that rise to the top in delivering unbeatable value to banks and added financial support to the OBL are given higher status as Endorsed Business Partners. Currently, there are more than two dozen of these relationships.

Relief on the Way?

As agency heads and bureaucrats faced the reality of potential changes following the November election, hostile messaging toward us increased, leading to a flurry of unwarranted regulations. In response, OBL joined other associations nationwide in appealing to the courts. Suing your regulator is a serious decision, but we've heard your message: "enough is enough." It's disheartening to see such ire directed at our industry, especially when you work hard to serve your communities across Ohio.

OBL anticipates that regulators appointed by President Trump will begin rolling back some of the most egregious policies from the current administration. We are already strategizing how to leverage this opportunity to right-size regulations, enabling you to better serve your communities. Some changes will stem directly from new leadership at the FDIC, OCC and FHFA, while others may require new filings or can be addressed through the Congressional Review Act. Replacing the Federal Reserve Vice Chair for Supervision may take a bit longer. It is important to manage expectations; dramatic regulatory and economic change will not likely come as quick as many hope. Plus, the potential populist policy groundswell will not necessarily align with or benefit the traditional banking sector.

OBL’s government relations efforts have never been more critical. We are committed to seizing this opportunity to reverse the harm done to our industry over the past four years. The window for meaningful relief is realistically the next 18 months, before the 2026 primary elections. You have our commitment to work diligently so you can focus on banking and improving our communities.

State Level Win

We appreciate the innovative approach of the State Treasurer in creating the Homebuyer Plus Program to assist Ohioans in purchasing homes. It proved to be so successful that account openings peaked at over 1,100 per week. Thus, adjustments were necessary to maintain capacity this year. We are thankful for the revised rate structure agreed upon for 2025, which enhances the program's sustainability.

Thank you to all community banks that enrolled customers in the program and participated in OBL’s grassroots efforts to ensure harmful changes were mitigated. Your engagement with the OBL Government Relations Team was crucial in preventing a $75 million interest expense shift from the State's balance sheet to community banks.

This success highlights the importance of OBL’s Government Relations efforts. With four registered lobbyists on staff, we maintain strong relationships built on credibility—essential for effective advocacy. We do not outsource this responsibility; we are dedicated to working exclusively for you. OBL is committed to advancing and protecting the Ohio banking industry with a long-term perspective, recognizing that effective government relations is fundamentally about building relationships.

Saying Goodbye

Many of us were saddened to learn Bill Morgan passed away. Known as Brother Morgan by his closest friends, he was visible at the Statehouse as recently as last month. He was proud to still be serving at the age of 89 on the important State Ballot Board, which has been very busy in recent years. Bill was always the better friend with his frequent check in calls and requests to get together. Though incredibly humble, Bill was a proud son of Appalachia, armed with ample sage life advice. He also always had a political nugget or two of value since he was still so plugged in to the Cap Square scene. Bill was among the first people I met as a college intern in the Ohio House of Representatives. To me, he was the Ohio Bankers Association. Bill was omnipresent around the Statehouse and well respected by both sides of the aisle. I was blessed to have Bill as a mentor and friend.

Bill’s history of public service started with his time in the U.S. Army from 1957 to 1960. As a civilian, Bill worked in his community in law enforcement and served as Mayor of Shawnee. After working in state government, Bill joined the Association in 1974. He headed up our government relations efforts until 2000. As I’ve shared in my column before, Bill told me the day I was hired at the OBL that the last thing a trade association does before it turns out the lights is fight for its members in the governmental arena. He also impressed upon me that effective government relations is not a spectator sport. Brother Morgan lived an incredibly full life surrounded by family and friends who will miss him dearly.

Thank you for once again for looking to OBL this past year as your trusted partner. It was an honor to serve you by fighting on crucial issues in the governmental arena, developing your team with top-shelf educational content, offering relevant peer networks and sourcing critical product and service solutions. We are grateful for all you do to add value to the communities you serve across Ohio. Safe travels throughout the holiday season and in the New Year! You have our continued commitment amidst much uncertainty to seize every opportunity as we look further over the horizon. See you at the 2025 Economic Summit on February 4!

Michael J. Adelman President & CEO, Ohio Bankers League

Hal Nichols, Bill Morgan, Mike Adelman and Paul Simoff circa 2015 at the OBL Annual Meeting.

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Rita Hinkle Administrator, OBBT rhinkle@ohiobankersleague.com (614) 340-7609

Daniel Holstein, CPA Senior Accountant dholstein@ohiobankersleague.com (614) 340-7604

Paige Houlihan Products and Services Coordinator, OBLBankServices phoulihan@ohiobankersleague.com (614) 340-7613

Sarah Husk Education Manager shusk@ohiobankersleague.com (614) 340-7610

Audra Johnson Director of Communications ajohnson@ohiobankersleague.com (614) 340-7621

Susan Poling Jones Professional Development Director spoling@ohiobankersleague.com (614) 340-7611

Julie Kiplinger Education Manager jkiplinger@ohiobankersleague.com (614) 340-7612

Evan Kleymeyer

Senior Vice President of Government and External Relations ekleymeyer@ohiobankersleague.com (614) 340-7605

Anthony Lagunzad Manager, Government Relations & BankPAC alagunzad@ohiobankersleague.com 614.340.7614

Kimberley Mason Higher Education Partnership Manager kmason@ohiobankersleague.com (614) 340-7601

Stephen Mentzer Database Manager smentzer@ohiobankersleague.com (614) 340-7607

Jennifer Osburn, CPA CFO, Chief Administrative Officer josburn@ohiobankersleague.com (614) 340-7606

Megan Peiffer Education Specialist mpeiffer@ohiobankersleague.com (614) 340-7618

Christine Zeek Employee Benefits Manager, OBBT czeek@ohiobankersleague.com (614) 340-7617

Attendees of the Paint & Sip event where they painted pumpkins and enjoyed the evening!

10TH ANNUAL WIB CONFERENCE A HIT!

According to the 185 attendees, the 10th Anniversary of the OBL Women in Banking Conference was like no other! They shared such feedback such as:

“ I loved how focused on personal growth and professional development the content was this year. ”

In addition to hearing from informative and motivating speakers on topics such as The Silent Language of Leaders and The BankHer’s Playbook: Mastering Influence & Amplifying Your Impact in Banking, attendees of the Women in Banking Conference also benefitted from words of wisdom from conference emcee Amber Farley, EVP – Brand Development, FMS. She addressed 10 Myths Debunked: How to Inspire, Empower & Get Things Done, where she debunked the myths such as “Success Looks the Same for Everyone,” “My Work Speaks for Itself”, “It’s OK to Wing It,” and “Stay in Your Lane” among several others that resonated with participants.

Conference attendees provided rave reviews for Amber and the overall program, noting she was both relatable and entertaining.

Another highlight of the decade-old program was an Executive Panel and the presentation of the first ever Woman in Banking Award, as well as the Rising Woman in Banking Award. The OBL congratulates all finalists and winners:

Rising Women in Banking Award Finalists

Amanda Luman, Trust Operations Officer, LCNB

Amy Fleenor, General Counsel, First Commonwealth

Taryn Marino, Deputy Chief Retail Banking Officer, F&M Bank*

Women in Banking Award Finalists

Tammy Bobo, President & CEO, Hocking Valley Bank

Courtney Erminio, EVP, Chief Risk Officer, The Middlefield Banking Company

Jenny Saunders, FCBank, a division of CNB Bank*

“ Each time I attend this event I come away more inspired in life. Combine that with inspiration for work and to be better … and that is a win! ”

“ The speakers were once again engaging and energizing! ”

Jenny Saunders, division President, FCBank, wins the Exceptional Women in Banking Award.

Saunders, who is also the 2025 OBL incoming board chair, addressed the group and encouraged all to “find your inner warrior.”

She said, “I am the second woman chair in the history of the OBL and the first in more than 20 years. But I had to be asked!” As such, she shared that women, unlike their male counterparts, often wait to be asked for an opportunity, and advised that female leaders need to raise their hands – to show vigor and courage – and to face challenges with strength and determination.

She closed, “This room is full of warriors. Lean in – get involved with the OBL – and raise your hand to find your path to leadership.”

THE DATES! March 27-28, 2025

The 2025 OBL Women in Banking Conference will be held Friday, March 28 at the Hilton Columbus at Easton. An evening networking reception will be held Thursday, March 27. Watch for program details coming soon!

Contact Julie Kiplinger at jkiplinger@

Speaker Patrice Borders, Founder & CEO of AmplifyEI, engaged the audience in laughter and meaningful lessons during her session on Emotional

The 2024 Executive Panelists lined up for a photo before giving insights into how they are successful in their careers.

A table full of attendees smile during a networking break.

Taryn Marino, Deputy Chief Retail Banking Officer from F&M Bank, wins the Women in Banking Rising Star Award.

BORROWER PROTECTION A

SUCCESS STORY IN CONSUMER LENDING

In the world of consumer lending, both borrowers and lenders face risks. Borrowers may encounter life events such as job loss, illness, or death, which can prevent them from meeting their financial obligations. Meanwhile, lenders, concerned about default risks, strive to protect their investments. The solution to these challenges has been found in borrower protection products; financial safeguards designed to help borrowers meet their loan payments in times of crisis. Over recent years, these products have proven to be a resounding success, benefiting both consumers and financial institutions, and reshaping the landscape of responsible lending. Let’s explore the success of these products that protect borrowers in bank consumer lending, examining how these products have thrived and their positive impact on borrowers, lenders, and the broader financial ecosystem.

A Growing Trend in Consumer Lending

Borrower protection, also known as “Credit Insurance” or “Debt Cancellation Contracts”, protects such perils as death, disability, unemployment and other events. These

products ensure that loan payments continue in the event a borrower faces an unforeseen setback. Originally seen as an optional add-on, borrower protection insurance has gained significant traction in recent years, becoming a critical element of consumer lending strategies.

This growth can be attributed to several factors: economic uncertainties, increased consumer awareness of financial risks, and a deeper understanding of the mutual benefits these products offer both borrowers and lenders. As a result, financial institutions that offer such products are seeing higher customer satisfaction, reduced delinquency rates, and more stable cash flows, while borrowers are experiencing enhanced financial security.

The Benefits for Borrowers

For borrowers, protection products that protect their loans provide vital financial safety nets, especially in times of crisis. These products help borrowers manage risks that could otherwise disrupt their financial stability and future prospects.

Preventing Loan Default

The most immediate benefit of borrower protection is the prevention of loan defaults. Unforeseen life events such as losing a job, suffering an injury, or death; can derail a borrower’s ability to make timely payments on loans. Without protection, borrowers may fall behind on their obligations, face late fees, damage their credit scores, or even risk foreclosure or repossession of assets.

Protection products such as life, disability and unemployment ensure that payments continue even when a borrower is unable to meet them. This reduces the likelihood of default, allowing borrowers to preserve their financial stability and avoid the cascading negative consequences of missed payments.

In fact, studies have shown that borrowers who purchase protection are significantly less likely to fall behind on their loan payments. According to a 2023 report by the Consumer Financial Protection Bureau (CFPB), borrowers who enrolled in credit protection were 40% less likely to experience delinquency compared to those who did not have coverage.

Peace of Mind in Uncertain Times

Another key benefit is the peace of mind that comes with knowing their financial obligations will be taken care of in the event of a crisis. Borrowers who experience a sudden illness, disability, or loss of employment often face significant emotional stress on top of their financial concerns. Borrower protection insurance alleviates this burden by ensuring that the financial responsibilities tied to loans are handled during difficult periods. This peace of mind contributes to an overall sense of financial security, helping borrowers stay focused on their recovery or transition without the constant worry of losing their assets.

Protection for Families and Loved Ones

For many borrowers, the most significant concern in the event of death or disability is how their families will cope financially. Death protection ensures that outstanding debts, such as mortgages or car loans, are paid off, preventing the burden from falling on surviving family members. This protection helps safeguard the family’s home, car, and other assets from repossession, allowing loved ones to retain their quality of life even in the absence of the borrower. In addition, traditional life insurance products can then be used for their intended purpose; to assist the family in moving on from a tragedy in their lives.

The Benefits for Lenders

While protection is often viewed from the perspective of consumer benefits, financial institutions have reaped significant advantages from offering these products as well.

Reduced Default and Delinquency Rates

Lenders who offer borrower protection have seen a notable reduction in loan defaults. As mentioned, borrowers with these products are less likely to miss payments, resulting in lower delinquency rates. Lower delinquency means more predictable cash flow for lenders, reduced losses, and improved profitability.

Lenders also benefit from greater risk management. In markets with higher economic volatility, such as during recessions or times of unemployment, borrower protection helps mitigate the heightened risk of default. This added security allows lenders to offer loans to a wider customer base, including individuals who might otherwise be considered higher risk borrowers.

For example, major banks in the U.S. and Europe that introduced borrower protection products during the COVID-19 pandemic saw a significant decline in default rates. A report from the European Central Bank (ECB) found that during the pandemic’s peak, borrowers with credit protection were 30% less likely to default on their loans compared to those without coverage.

Enhanced Customer Loyalty and Retention

Offering protection fosters stronger relationships between financial institutions and their loan customers. By providing a product that adds tangible value, banks demonstrate their commitment to the financial wellbeing of their clients, not just as lenders but as financial partners. This builds trust and strengthens brand loyalty.

A 2022 survey by the Institute of Consumer

Financial

Education revealed that 72% of customers who had purchased borrower protection insurance from their lender reported a higher level of satisfaction with their overall banking experience. Customers appreciated knowing that their financial institution had a vested interest in their longterm success, not just in their ability to repay loans. As a result, banks that provide these protections are more likely to see increased customer retention and the likelihood to recommend the bank to others.

Stronger Financial Health for Banks

By reducing default rates and improving customer retention, borrower protection insurance contributes to a healthier

balance sheet for banks. With fewer bad loans, banks are able to better manage their capital reserves and reduce the need for provisioning against loan losses. This enhanced financial stability positions banks for greater profitability and success in a competitive lending environment.

Additionally, some lenders have leveraged borrower protection insurance as a revenue-generating product. Insurance premiums, particularly in cases where they are bundled with loans, provide an additional stream of income for financial institutions. This helps banks diversify their revenue sources and strengthens their position within the market.

Real-Life Success Stories

Several financial institutions have already embraced borrower protection insurance as a cornerstone of their lending strategy, with resounding success.

Case Study 1: Santander Bank (Europe) Santander, in Europe, introduced a robust borrower protection program for its personal loan customers in 2021. The bank reported that the number of delinquent loans in its portfolio decreased by 25% in the first year of the program. Customer satisfaction surveys indicated that 85% of those who opted into protection coverage felt more confident about taking on loans with Santander, knowing that they had a safety net in place. Furthermore, the bank’s retention rate for borrowers who purchased insurance was 15% higher than for those who declined coverage.

Case Study 2: Wells Fargo (US)

Wells Fargo launched a borrower protection initiative for its mortgage customers. The bank found that the program reduced mortgage default rates by 18% in the first six months, a critical improvement during the economic uncertainty caused by the pandemic. The success of the initiative was also reflected in higher customer engagement, with more borrowers expressing interest in additional financial products, such as auto loans and personal lines of credit. Wells Fargo’s move to bundle mortgage loans with life and disability protection resulted in a 20% increase in cross-selling opportunities.

exploring digital-first protection products, allowing for more flexible, customizable coverage options that can be integrated seamlessly into online loan applications.

Conclusion

The success of borrower protection programs in consumer lending represents a win-win scenario for both borrowers and lenders. These products provide crucial financial security for borrowers facing unforeseen hardships, while simultaneously reducing risks and improving financial stability for lenders. As the lending environment continues to evolve, borrower protection will undoubtedly remain a cornerstone of responsible lending practices, ensuring that individuals and financial institutions alike can navigate life’s uncertainties with confidence. YOU can hope they make it…or YOU can help them make it.

Tony Snow Sales Development, The Plateau Group

New Name, Same Trusted Service

A Look Ahead: The Future of Protection Programs

The success of borrower protection has sparked renewed interest in consumer lending products that prioritize borrower welfare. As financial institutions face increasing pressure to offer more responsible and ethical lending practices, these products are likely to become even more integral to the lending process. Given that, we can expect to see more innovative offerings, including products that cover additional contingencies such as family events, hospitalization, or skilled nursing care. Financial technology (fintech) companies are already

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WHY ADVOCACY MATTERS TO YOU

In a world where many people want a quick return, instant gratification, and immediate feedback, some things still take time and patience. Advocacy, and government relations broadly, is one of those things. There may be periods of weeks, months, or even years where there may not be a major issue or movement on something that a particular banker cares about. However, as sure as the sun coming up in the morning and setting in the evening, eventually there will be an issue that arises that quickly becomes their focus and only priority. One that has the potential to have such an impact that it is unavoidable and must be addressed. When this happens, where does the call generally go? To OBL and the Government Relations (GR) Team.

Though for any individual banker, issues may only pop up intermittently, but there is a constant barrage of issues, proposals, legislation, and regulations that must be triaged, evaluated, and engaged upon for the industry as a whole. It is vitally important for relationships with policymakers at every level of government and all branches of government to be established and maintained before they are ever needed. It is simply human nature for any individual to be willing to hear someone out, value their opinion, and act upon their concerns if they already know and have a relationship with the person, rather than getting a call out of the blue. This is what the GR Team at OBL does daily and encourages all bankers to do as well.

The importance of relationships and engaging was recently highlighted with the Ohio Homebuyer Plus Program. This program, which has been beneficial for banks, customers, and the state in helping and encouraging people to save to purchase a home, took off and significantly outpaced any projections the Ohio Treasurer of State’s Office had. The program also provided key liquidity to banks at a time when it was needed. OBL has kept in close contact with the Treasurer’s Office throughout the program and when it became clear that there were going to be capacity concerns due to statutory limits on the amount of the State treasury that can be allocated to the linked deposit programs, OBL began working with the Treasurer to address the issue.

Some of the initial proposals would have been devastating to the community banks that, at the request of the Treasurer’s Office, jumped in fully to offer the program and provide this program to their customers. OBL was able to engage with the Treasurer’s Office and activate a full grassroots advocacy campaign with members providing direct feedback on the impact the proposed changes to the program would have on their bank and customers. Throughout this campaign, 90 individuals from 35 banks sent letters to the Treasurer’s Office regarding the changes and 41% of these were personalized with bank specific information. That personalization rate is amazing and much higher than

the average for most advocacy campaigns. To all of those that participated in the campaign, thank you for your efforts on behalf of the industry.

Though those are the banks that engaged, all banks participating in the program or who plan to participate in the future benefited from the active engagement of those members. Because of those advocacy efforts, the Treasurer’s Office better understood the impact and revised their originally proposed changes to significantly lessen the potential negative impact to the industry. This is a direct example of the impact the industry can have when it acts together in a concerted manner to effect change.

Bankers can vary on whether he or she enjoys politics or engaging in policymaking. However, the importance of doing so is undeniable. There is a perennial saying that you must have a seat at the table, or you will end up on it. Whether it is meeting with legislators in the district, attending fundraisers, joining for OBL events such as Day at the Capitol and the DC Fly In, or simply providing feedback on legislation, all bankers should engage on behalf of the industry to ensure that Ohio banks are on the best possible footing and have the resources

and economic environment to continue to help their communities, their customers, and their employees thrive.

The question going forward, especially if you benefited from the advocacy efforts of others in the Homebuyer Plus Program, is whether you will be a bystander or a participant. A free rider or a change maker. You never know when that vitally important issue will pop up for you and everyone must ask themselves, will you be prepared to act?

Don Boyd VP, State Government Relations & General Counsel, Ohio Bankers League dboyd@ohiobankersleague.com

prizes and interactive elements to engage attendees while raising funds for the Ohio BankPac. The final day, November 15, featured key highlights including

CELEBRATING EXCELLENCE HIGHLIGHTS FROM THE 2024 OBL INDUSTRY AWARDS

On November 14, the Ohio Bankers League hosted its highly anticipated, first-ever OBL Industry Awards Ceremony during the OBL Main Event. The celebration brought together banking professionals, community leaders, and financial experts from across the state to recognize the remarkable achievements of Ohio’s banking industry. Held in a vibrant atmosphere filled with camaraderie and pride, the ceremony highlighted the vital role that community and regional banks play in shaping Ohio’s economy and supporting its communities.

Honoring Excellence and Innovation

The awards celebration was a centerpiece of the OBL’s Main Event, providing an afternoon of reflection, inspiration, and joy. Set against the backdrop of a beautifully decorated venue, attendees enjoyed a delicious luncheon and engaging speeches.

OBL President and CEO Michael Adelman kicked off the event with opening remarks that highlighted the collective achievements of Ohio’s banking sector. “Today, we come together not only to recognize individual accomplishments but also to celebrate the collective strength of our industry. Ohio banks continue to drive economic growth, support local businesses, and foster financial well-being for families across the state.”

As award winners were announced, applause filled the room, reflecting the genuine admiration and respect that bankers have for their peers. Each acceptance speech shared a common theme of gratitude—toward OBL, colleagues, customers, and communities that make the work of banking both rewarding and impactful.

AWARD WINNERS

BANK OF THE YEAR (UNDER $500M IN ASSETS)

Riverside Bank of Dublin

Riverside Bank of Dublin was named as a Top 25 Fastest Growing QCBI Banks in April of 2024, coming in at #6. The bank accomplished this growth with a small staff of 12-15 employees. In the three years since this de novo bank has been open, Riverside has been able to grow quickly and efficiently, proving that they are an excellent community bank. They invest in employee education, encouraging their staff to be involved in leadership programs through the OBL. Riverside Bank of Dublin has been heavily involved in their community and supporting its schools. One noteworthy program is the Dublin Young Professionals Academy. They are also very supportive of such groups as the Dublin Historical Society and Dublin Area Chamber of Commerce.

BANK OF THE YEAR (OVER $500M IN ASSETS)

First Federal Community Bank, N.A.

First Federal Community Bank has been certified as a Great Place to Work every year since 2019. In 2023, they were named a Best Bank to Work for by American Banker, ranked number 68 of 90 and one of only three banks in Ohio on the list. First Federal Community Bank has had a five-star Bauer rating for the last 27 years. They currently employ over 100 staff members they deem “local experts,” committed to providing exceptional service, coupled with dedication to innovation. First Federal’s mission is to empower the financial well-being of their community one person at a time and they have lived by this mission and have proven themselves to be incredible stewards of their community.

CEO Trent Troyer is a former OBL chair who has done an exceptional job in developing a high-performing team that effectively leverages and engages in all OBL has to offer.

BANKER OF THE YEAR (UNDER $500M IN ASSETS)

Todd Mason, CEO, First National Bank of Pandora

Todd exemplifies what it means to be a community banker. He is well respected by his employees and by his community. Todd has paved the way for the next generation of leadership at First National Bank by being an exemplary role model. He is also a champion of the industry, always partnering with other community leaders and the OBL to effect change and bring about positive results for all.

Todd has been a tremendous volunteer leader for OBL. He previously served for years on the OBL BankServices Board, eventually becoming the Chair, and he has served on OBL’s Board of Directors for five years including the past two as the Treasurer.

BANKER OF THE YEAR (OVER $500M IN ASSETS)

Michael Pell, President & CEO, First State Bank

Michael Pell has been in banking for over 40 years. Throughout those 40 years, Mike has taken on many roles and left a positive impact. Mike has a great passion for banking and growing communities, taking on every challenge he faces with gusto. Mike is a well-respected, passionate and proud leader at First State Bank, in his community and throughout the industry. Mike also sits on the Board of the Federal Home Loan Bank and is heavily involved in many community organizations. Mike served on OBL’s Board of Directors from 2012 to 2019 including a year as the Chair.

AWARD WINNERS

NEXT GENERATION LEADERSHIP AWARD

Lindsay Cloud, CFO, Southern Hills Community Bank

Lindsay Cloud has played a vital role in the growth of Southern Hills Community Bank over the past several years and is deserving of the OBL Next Gen Leadership Award. Lindsay has been the glue that has strengthened employee morale and communication as well as a driving force in the implementation of day-to-day operations that has led to many employees’ successes and a very bright outlook for the bank.

EXCEPTIONAL WOMEN IN BANKING AWARD

Jenny Saunders, Division President, FCBank a Division of CNB

Striving for excellence through a culture of social impact and inclusivity guides the foundation of Jenny Saunders’ leadership and business practices. Jenny manages more than 70 employees, and she has established ways to innovate commercial community banking while incorporating and distributing civic leadership into the communities that FCBank serves. By recognizing the need for customer-focused and community-centered practices, FCBank, under Jenny’s guidance, is recognized as a foundational pillar in the community, offering a high-quality consumer and commercial banking experience, tailored for each customer’s needs.

Jenny continues to push against the glass ceiling by further exploring leadership and empowerment opportunities for women. She has been instrumental in creating opportunities for her staff to grow both personally and professionally. At FCBank, Jenny spearheads a team that intentionally participates in and sponsors women’s networking and events within the communities they serve.

WOMEN IN BANKING RISING STAR AWARD

Taryn Marino, Chief Deputy Retail Banking Officer, F&M Bank

Taryn has demonstrated exceptional leadership, innovative thinking, and a deep commitment to both her colleagues and the communities the bank serves. The Women in Banking Rising Star Award highlights the importance of fostering the next generation of talented women leaders and encouraging upward momentum for women to the C-Suite. Taryn’s achievement is a testament to her hard work and vision, and she stands as a role model for aspiring women leaders everywhere.

OBBT WELLNESS AWARD

First Federal Savings & Loan Association of Newark

The Ohio Bankers Benefits Trust (OBBT), the healthcare Trust for the Ohio Bankers League, awarded First Federal Savings and Loan Association of Newark, as the recipient of the 2024 Wellness Award. This award honors a member institution that has demonstrated an exceptional commitment to fostering a culture of wellness through innovative and impactful health and wellness programs for their employees. First Federal Savings & Loan Association of Newark was a standout for this award, promoting company wellness in areas such as mental health, work/life balance and activity challenges.

AWARD WINNERS

PAC SHINING STAR AWARD

Monroe Federal Savings & Loan Association

Each year, OBL also recognizes one Ohio bank for outstanding achievement in working to shape effective and efficient government.

Monroe Federal Savings & Loan Association engages all directors and officers in the political process to build relationships with key politicians. The entire industry has reaped the benefits from this bank’s work.

PAUL E. GILMOR LIFETIME OF PUBLIC SERVICE AWARD

Marilyn Sessions, Public Relations Officer, Hometown Bank

Marilyn Sessions started at Hometown Bank in 2002 as the Human Resource Representative. She developed the department and added training to her role shortly after. Marilyn was promoted to the Human Resource and Training Officer in 2003. Throughout the last several years, Marilyn grew the position to include community outreach for the bank. She was promoted to the Public Relations and Marketing Officer in 2018. Then in 2022 was promoted to Public Relations Officer.

Marilyn has accomplished a tremendous amount at Hometown Bank and even more as a public servant to her community. Marilyn’s accomplishments in supporting a wide array of causes in Kent, Portage County and beyond are too numerous to mention.

Marilyn was recognized for her two-dozen years of being a broker for the OBL with local elected officials. Marilyn is well respected on both sides of the aisle and has spearheaded invaluable relationship building for the betterment of our great industry.

MILESTONE AWARDS

The Milestone Award was created to honor individuals with at least 40 years of service to this incredible industry. This is an elite club of bankers who have dedicated their careers to the profession.

Belmont Savings Bank

Marianne Doyle

Civista Bank

Linda Aust

Peggy Brinkman

Rae Cox

Pamela Ridenour

Le Ann Shelton

F&M Bank

Barbara Britenriker

Randal Schroeder

Marilyn Johnson

First Commonwealth Bank

Tammy Norris

First Federal Community Bank, N.A.

Trent Troyer

First National Bank of Bellevue

Deborah Hawkins

First National Bank of Sycamore

Jerry Weininger

First State Bank

Mike Pell

Hocking Valley Bank

Janice Brawley

Judy Ellis

Craig Sweeny

Hometown Bank

Bob Hamilton

Monroe Federal Savings and Loan Association

Lewis Renollet

Southern Hills Community Bank

Jeffrey Cloud

Thank you for your service to our industry. These awards are more than just trophies; they are a testament to the values that define the Ohio banking industry: integrity, innovation, and a commitment to service.

FIVE PILLARS AWARD

During the ceremony, Michael Adelman outlined a new award for 2025, the Five Pillars Award. This award is a distinct honor given to only those who meet the specific criteria set forth. The award is based on the five pillars of OBL involvement which includes Professional Development, Governmental Advocacy, Products & Services, Ohio Bankers Benefits Trust and Donations to the Ohio BankPac and/or Foundation. The award runs from September of 2024 to September of 2025 in order to assess if criteria is met.

PILLAR ONE: GOVERNMENT RELATIONS

Member must participate in both DC Fly-In and Day at the Capitol. Member must also contribute to the Ohio BankPac in the amounts listed below by asset size:

$0-$250M: $2,500

$251M-$999M: $5,000

PILLAR THREE: BANKSERVICES

Member must be engaged in any two of the following areas:

$1B-$9.9B: $10,000

$10B+: $15,000

PILLAR TWO: OBL FOUNDATION

Member must contribute a minimum donation of $250 to the OBL Foundation or make a nomination to Evan Kleymeyer for the OBL Wall of Excellence.

1. OBBT- Enrollment or service utilization in any of the following areas:

a. Health, Dental, Vision, Life or Disability through OBBT

b. Broker- Utilize OBBT for health plan evaluation

c. Receive a quote from OBBT for group health insurance.

PILLAR FOUR: PROFESSIONAL DEVELOPMENT

Member must complete all of the following to meet the criteria for this pillar: Professional development investment must be equal to or greater than OBL annual membership dues.

PILLAR FIVE: LEADERSHIP ENGAGEMENT

2. Endorsed Business PartnersUtilize any five OBL Endorsed Business Service Providers

3. Affiliate Members ReferralsRefer three Affiliate Member prospects.

Participation in TWO of THREE of the following events/forums:

1. Executive Events- CEO Symposium, OBL Convention and/or Main Event

2. Forum Attendance- One participation in any of the following forums: HR, Marketing, Senior Retail, Commercial or Mortgage Lending, CFO, IT, Education & Trainers, or any new forums presented by OBL during the award assessment period.

3. Attendance at Bank Leadership Institute and/or Bank Management School

One OBL Member Bank Employee must participate in any of the following: OBL Board of Directors, OBL BankServices Board, OBBT Board of Trustees, Next Generation Advisory Board OR must have Government Relations Committee participation on the monthly calls or attendance at each of the bi-annual OBL Regional Meetings.

A VISION FOR THE FUTURE

The 2024 OBL Industry Awards celebration was a powerful reminder of why we should take pride in the banking industry. It is an industry that not only drives economic progress but also enriches the lives of individuals and communities across Ohio.

By honoring the accomplishments of its members, the Ohio Bankers League reinforces the values that make this industry exceptional: dedication, innovation, and a commitment to serving others. As we look ahead, the stories celebrated on November 14 will continue to inspire and shape the future of banking in Ohio.

In a world that often takes financial institutions for granted, the OBL Industry Awards shine a spotlight on the humanity, ingenuity, and passion that define the banking profession. For those who attended, it was more than an awards ceremony—it was a celebration of the heart and soul of Ohio banking.

The nomination window for the 2025 OBL Industry Awards will open in January 2025. Check the OBL website for more details.

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OBL ECONOMIC SUMMIT FINDS NEW LOCATION

The 2025 OBL Economic Summit offers an unparalleled opportunity for bankers to gain critical insights into the ever-evolving economic landscape, empowering them to make informed decisions that drive growth and resilience. This premier event will bring together industry leaders and economic experts to explore emerging trends, tackle challenges, and share actionable strategies tailored to the unique needs of community banks in Ohio. By attending, bankers will not only strengthen their understanding of market dynamics but also foster valuable connections that can position their institutions for long-term success in a competitive environment. Don’t miss this chance to stay ahead of the curve and lead with confidence.

Travis Clark, U.S. Economist, Visa Inc.

Travis Clark leverages economic and payment industry data to translate complex economic concepts into actionable business intelligence for company and client executives.

Through his research and presentations, Travis helps clients connect the dots between changing economic conditions and key payment industry trends. Travis is also a contributing author to several of the team’s reports including the quarterly Regional Economic Outlook and the team’s monthly U.S. Visa Spending Momentum Index report.

Rob Moore, Principal, Scioto Analysis

Rob Moore is the principal for Scioto Analysis. Rob has worked as an analyst in the public and nonprofit sectors and has analyzed diverse issue areas such as economic development, environment, education, and public health. His specialty is applied microeconomic analysis of public policies and tradeoffs between efficiency and equity outcomes in economic development and social safety net programs.

Rob will be speaking to the OBL Economic Summit Attendees about Federal Changes Ahead and what they mean for community banks.

Registration Details

Bankers are encouraged to invite their best business clients to learn alongside them.

$139 per person

Groups of 6 or more may request a reserved table.

For registration assistance, contact Megan Peiffer at mpeiffer@ ohiobankersleague.com.

New Location!

The OBL is excited to present the program at the Fawcett Event Center, 2400 Olentangy River Road, near the Ohio State University’s campus. The venue features easy and free parking for all attendees.

Check the OBL website for up-to-date agenda details!

TIME FLIES AT 2024 OBL BANK MANAGEMENT SCHOOL

People everywhere are familiar with the phrase “Time flies when you are having fun!” But have you ever had so much fun that two years pass by in six days? That is exactly what the 24 new alumni from the 2024 OBL Bank Management School experienced during the September program.

The premier school features a bank simulation that brings students through 8 quarterly decisions in just six quick days. Team members fill the roles of CEO, CFO, Loan Officer, Investments Officer, Deposits Officer and Treasury Officer. Former banker and lead consultant Anthony McGill facilitates the program and ensures that all participants walk away with a new appreciation and understanding of what it takes to operate a bank. In addition to the bank sim, students heard from CEOs and CFOs during two interactive and valuable panel discussions; as well as heard from industry experts on topics such as: Current Markets for Ohio Bankers, Emerging Consumers and Government Relations.

Michelle Crume, executive director OBL BankServices & SVP professional development, provided comments at graduation. “I'm thrilled with each graduation of the OBL Bank Management School because talent development in our industry is core to our mutual success,” said Crume. “Sustainable community banking in towns like Sandusky, Canfield and others represented in the class depend

on our industry figuring out how more of our best and brightest can come to choose careers in banking and make a difference in towns across our state and country. Thank you for choosing the OBL to aid in this effort.”

In addition, McGill also encouraged graduates to look for opportunities back at the bank to continue the learning –to go to ALCO meetings, ask questions and to remain in touch with the network of bankers from the class.

One student will take his learning to the next level at the Graduate School of Banking – Madison. Andrew Holy, EVP, chief risk officer of GreenWay Bank, was selected as this year’s recipient of the award, given in honor of former Ohio Bankers Association Executive Director Ora (Andy) Anderson. This partial scholarship for the threeyear program was earned via the workmanship of the initial assignments, as well as excellence throughout the school.

Graduate Michael Piscioneri, vice president, lending at Fidelity Federal Savings & Loan Association, noted postprogram. “Thank you again for an incredible program! A part of me wishes I could go back in time and be at OBL again this week. The other part has a newfound respect for running a bank and an excitement for using my new skills.”

2024 OBL BANK MANAGEMENT SCHOOL GRADUATES

Dan Barwick, Mechanics Bank

Priya Bhattal, Park National Bank

Billy Biggs, Park National Bank

Ashley Blake, First Mutual Bank, FSB

Aric Dewald, The Citizens National Bank of Bluffton

Kelly Francis, First Citizens National Bank of Upper Sandusky

Melissa Gerber, The Middlefield Banking Company

Lauren Hatfield, Kingston National Bank

Chrissy Hegemier, The First National Bank of Pandora

James Hock, The Farmers National Bank of Canfield

Andrew Holy, GreenWay Bank

Kari James, Fairfield Federal S&L Assoc. of Lancaster

Joel Johnston, The Ohio Valley Bank Company

Carson Marsh, Park National Bank

Tammy Mickels, The Middlefield Banking Company

Corrie Mitchell, The Middlefield Banking Company

Brian Nussbaum, The Farmers National Bank of Canfield

Michael Piscioneri, Fidelity Federal Savings & Loan Association

Carson Starlin, Peoples State Bank

Greg Stehlik, Civista Bank

Cherokee Stover, Hocking Valley Bank

Peter Suszkiw, First Financial Bank

Kari Uhrig, LCNB National Bank

Jim Williams, Portage Community Bank

Congratulations to all 2024 Bank Management School graduates!

The 2025 OBL Bank Management School will be held September 21 – 26 in the OBL Education Center. For more information or questions, please reach out to Julie Kiplinger at jkiplinger@ohiobankersleague.com.

Learn More & Register

Andrew Holy, EVP Chief Risk Officer at GreenWay Bank, was selected as the GSB Scholarship Award Recipient for 2024.

OHIO BANKPAC MAKING A DIFFERENCE

In 2024, the Ohio BankPac had another great year, hitting our goal of $200,000! The continued success of the Political Action Committee has allowed OBL to build up an already strong government relations program. OBL is able to use these funds to better promote a thriving and competitive banking system for Ohio.

OBL would like to thank our PAC board of directors, for the time and effort they committed during 2024 to increasing the size and influence of our PAC. The primary reason for our continued success, however goes to each of our contributors. OBL would like to recognize below

those bankers that have contributed more than $100. For more information about the Ohio BankPac, please contact Anthony Lagunzad at alagunzad@ohiobankersleague.com. OBL looks forward to another great year in 2025.

$2500 or more

Michael Adelman Ohio Bankers League

$1000-$2499

Trent Troyer

First Federal Community Bank, N.A.

Lars Eller

The Farmers & Merchants State Bank

Eddie Steiner

The Commercial and Savings Bank of Millersburg

Paul Reed

The Farmers Bank and Savings Company

Brendon Matthews

The First National Bank of Pandora

Todd Mason

The First National Bank of Pandora

Tammy Bobo

The Hocking Valley Bank

B. Robert Harlow

1st National Bank

Bryan Stepp

The Ohio Valley Bank Company

Dennis Shaffer Civista Bank

Paulette Sumney The Hocking Valley Bank

Tony Davis Peoples State Bank

Bill Daily Riverside Bank of Dublin

Thomas Wiseman The Ohio Valley Bank Company

Mary Snider Fairfield Federal S&L Assoc. of Lancaster

Mark Masters Mechanics Bank

Lewis Renollet

Monroe Federal Savings and Loan Association

David L. Trautman Park National Bank

Bick Weissenrieder The Hocking Valley Bank

Larry Miller III The Ohio Valley Bank Company

$500-$999

Howard Boyle Hometown Bank

Timothy Grooms First State Bank

Kimberley Mason Ohio Bankers League

Chris Olney

North Valley Bank

Russell Edwards Civista Bank

Gauri Airi

Ohio Bankers League

Scott Brong Spry, Inc.

Michael Toth Westfield Bank, FSB

Carla Waggoner

The Croghan Colonial Bank

Larry Morrison FCBank, a division of CNB

Patrick L. Nash Park National Bank

Laura F. Tussing Park National Bank

Blair Hillyer

The First National Bank of Dennison

Michael St. John Cincinnatus Savings and Loan

Ben Norton Buckeye Community Bank

Brady T. Burt Park National Bank

Nicholas Gesouras Mechanics Bank

Anthony Lagunzad Manager, Government Relations & BankPAC

Ohio Bankers League alagunzad@ohiobankersleague.com

Stewart Greenlee CenterBank

Julie Mattlin Civista Bank

Paul Thompson First Mutual Holding Company

Michael Pell First State Bank

Jason Painley Mechanics Bank

Dale Luebke Minster Bank

Greg Ashby North Valley Bank

Michelle Newman North Valley Bank

James Nicholson North Valley Bank

Julie Paxton North Valley Bank

Allison Weeks North Valley Bank

Matthew R. Miller Park National Bank

Jeffrey Cloud Southern Hills Community Bank

Lindsay Cloud Southern Hills Community Bank

Andrea Morris The Andover Bank

Ian Boyce

The Farmers & Merchants State Bank

Lori Johnston

The Farmers & Merchants State Bank

Kevin Sauder

The Farmers & Merchants State Bank

David Vernon

The Farmers & Merchants State Bank

John Arnold

The First National Bank of Pandora

Jeff Swaim

The Hocking Valley Bank

Breann Miller

The Home Loan Savings Bank

Anna Barnitz

The Ohio Valley Bank Company

Patrick Tackett

The Ohio Valley Bank Company

Carl Kessler Civista Bank

Gene Burkholder

The Farmers & Merchants State Bank

Jo Ellen Hornish

The Farmers & Merchants State Bank, The

Nichole Zesiger

The First National Bank of Dennison

Harry Singer Civista Bank

Sarah Worley Monroe Federal Savings and Loan Association

Jared Riblet The Farmers & Merchants State Bank

Shalini Singhal

The Farmers & Merchants State Bank

John Kobee The Antwerp Exchange Bank Company

Brian Miller The Antwerp Exchange Bank Company

Michael Lewis Hometown Bank

Robert Hamilton

The Home Loan Savings Bank

Eric Holsky The Community Bank

Louis Moore Banc Consulting Partners

Robert Curry Civista Bank

Rich Dutton Civista Bank

Charles Parcher Civista Bank

Jenny Saunders FCBank, a division of CNB

Mark Johnson First Citizens National Bank of Uppe Sandusky

Nancy Johnson First Citizens National Bank of Uppe Sandusky

Ann Smith

LCNB National Bank

John Fernyak Mechanics Bank

Adrienne M. Brokaw Park National Bank

Jeffrey A. Wilson Park National Bank

Allen Nickles Payne Nickles Co CPA

Trista Warren The Andover Bank

Shawn Dooley The Antwerp Exchange Bank Company

Robert Baker The Commercial and Savings Bank

James Bowlus The Croghan Colonial Bank

David Gerken The Farmers & Merchants State Bank

Dean Miller

The First National Bank of Bellevue

Scott Basinger The First National Bank of Pandora

Ben Holter

The Hocking Valley Bank

Robert Norris The Hocking Valley Bank

Aaron Thomas The Hocking Valley Bank

Robert Gall The Hocking Valley Bank

Kim Kelly The Hocking Valley Bank

Mike Putman The Hocking Valley Bank

Kyle Hamilton The Home Loan Savings Bank

Jack Coors The North Side Bank and Trust Company

Bryna Butler The Ohio Valley Bank Company

Mark Erslan Vinton County National Bank

Tom Will Vinton County National Bank

Robert Friend WesBanco Bank, Inc.

Aaron Rykowski WesBanco Bank, Inc.

$250-$499

Paul Ragias

The Community Bank

Daron McGuire The Union Bank Company

Peter Rafaniello The Union Bank Company

Matt Miller First Federal Community Bank, N.A.

Audra Johnson Ohio Bankers League Lee Lyon CenterBank

Tim Carsey The Farmers & Merchants State Bank

Douglas Shaw The Farmers & Merchants State Bank

Sheryl Stanley Peoples Bank

Daniel Holstein Ohio Bankers League

Chris Zeek Ohio Bankers League

Nathan Weaks Civista Bank

Doug Bambeck First Federal Community Bank, N.A.

Matt Beachy First Federal Community Bank, N.A.

David Kaufman First Federal Community Bank, N.A.

Joe Glassco LCNB National Bank

Jeffrey Meeker LCNB National Bank

Jeffery C. Gluntz Park National Bank

Bradden E. Waltz Park National Bank

Edward Pollander The Andover Bank

Robert Haley The Hocking Valley Bank

Craig Sweeney

The Hocking Valley Bank

Shawn Siders

The Ohio Valley Bank Company

Deb Kline Civista Bank

Tracy Baughman The Croghan Colonial Bank

Greg Dorris First Federal Community Bank, N.A.

Bryant W. Fox Park National Bank

Kendall Rieman The Croghan Colonial Bank

Jarvis Woodson Civista Bank

Stephen Clinton First Federal Community Bank, N.A.

John Siegenthaler Mechanics Bank

Brandon M. Akey Park National Bank

Stephen Varckette The Andover Bank

Sally Heckman First Federal Savings & Loan Association of Newark

Lesley Goebel The Farmers & Merchants State Bank

Barbara Britenriker The Farmers and Merchants State Bank

David Shaver Civista Bank

Laura Baker Mechanics Bank

Jon B. Zellar Park National Bank

C. R. Badgett Park National Bank

Thomas M. Cummiskey Park National Bank

Lori T. Drake

Park National Bank

Michael Arend The Antwerp Exchange Bank Company

Jason Maassel

The Farmers & Merchants State Bank

Peter Schwager

The First National Bank of Bellevue

David Thomas The Ohio Valley Bank Company

Kim Canady The Ohio Valley Bank Company

Ryan Jones The Ohio Valley Bank Company

Jennifer Knapp

The Farmers & Merchants State Bank

Darrell T. Durham Park National Bank

Ralph H. Root

Park National Bank

Robyn Stevens Peoples Bank

Douglas Wyatt

Peoples Bank

Kim Graber The Farmers & Merchants State Bank

Eric Warrick

The Farmers & Merchants State Bank

Jason Buckley Titan Armored, Inc.

Patrick Carey The First National Bank of Sycamore

Dakota Durbin Mechanics Bank

Martha Schoonover Mechanics Bank

Frank Davison

The Ohio Valley Bank Company

Diana Parks

The Ohio Valley Bank Company

Barbara Patrick The Ohio Valley Bank Company

Christopher Preston

The Ohio Valley Bank Company

Shelly Boothe

The Ohio Valley Bank Company

Adam Massie

The Ohio Valley Bank Company

Terri Taylor The Ohio Valley Bank Company

Christopher Harstine The Baltic State Bank

Kestler Fernandez Associated Bank

Rhett Rowe Bridge Business Credit

Chis Wasielewski Cennox

Angela Hawkins CenterBank

Lorina Wise Civista Bank

Rick Brinkman First Federal Community Bank, N.A.

Mary Burns First Federal Community Bank, N.A.

Scott Finnell First Federal Community Bank, N.A.

Kelly Fortney First Federal Community Bank, N.A.

Kris Kreinbihl First Federal Community Bank, N.A.

Michele Larkin First Federal Community Bank, N.A.

Douglas Wilber First Federal Savings & Loan Association of Lorain

Charity McFarland First Federal Savings & Loan Association of Newark

R. Brian Murray First Federal Savings & Loan Association of Newark

Tom Chester Forvis Mazars

Adam Tarvin

Keefe, Bruyette & Woods, A Stifel Company

William Hoving KeyState

Rob Haines LCNB National Bank

Deborah Schenk Mechanics Bank

Lisa Bird

Monroe Federal Savings and Loan Association

Christina Hassink

Monroe Federal Savings and Loan Association

William Hibner

Monroe Federal Savings and Loan Association

Clay Graham North Valley Bank

John A. Brown Park National Bank

Bryan M. Campolo Park National Bank

Zachary A. Reuscher Park National Bank

Ryan D. Smith Park National Bank

Cheryl L. Snyder Park National Bank

Jody D. Spencer Park National Bank

John Schafer Pentegra

Richard Newlon Peoples State Bank

Michael Mulford Premier Bank

Alexander Orlando Qualtik

Richard Drennen Shield Compliance, LLC

Stuart Cordell The Andover Bank

Joseph Barker The Antwerp Exchange Bank Company

Frank Simon The Farmers & Merchants State Bank

David Benavides

The First National Bank of Bellevue

Adam Crockett

The First National Bank of Bellevue

David Jarvis The First National Bank of Bellevue

Zach Jones

The First National Bank of Bellevue

Kula Lynch

The First National Bank of Bellevue

Steven Mays

The First National Bank of Bellevue

Duffield Milkie

The First National Bank of Bellevue

Jerri Miller

The First National Bank of Bellevue

Edmund Schafer

The First National Bank of Bellevue

James Stouffer, Jr

The First National Bank of Bellevue

Michael Winthrop

The First National Bank of Bellevue

Amy Groves

The First National Bank of Pandora

Thomas Conidi

The Home Loan

Savings Bank

Rebeka Hamilton

The Home Loan Savings Bank

Tony Unger

The Home Loan Savings Bank

Ryan Smith

The Ohio Valley Bank Company

R. Steven Unverferth

The Union Bank Company

Jerome Bey III Versailles Savings and Loan Company

Ron Collins

Vinton County National Bank

$100-$249

Michelle Davis

Peoples State Bank

Scott Mikula Hometown Bank

David Baumann Mechanics Bank

Jen Vastano

The First National Bank of Pandora

Robert Gray The Union Bank Company

Brad Sander The Union Bank Company

William Richards The Ohio Valley Bank Company

John Compton First Federal Savings & Loan Association of Newark

Cristy Ann Siegrist LCNB National Bank

Colin Boyle Hometown Bank

Melissa Koher

Hometown Bank

Donna Kovolyan Hometown Bank

Taryn Marino The Farmers & Merchants State Bank

Vandee Salay The Farmers & Merchants State Bank

Trisha Schneider The Farmers & Merchants State Bank

Joseph Sherwood The Farmers & Merchants State Bank

Robie Suggs Warsaw Federal

Edward J. Gurile

Park National Bank

Sally Gesouras Mechanics Bank

Tina Franks First Federal Savings & Loan Association of Newark

Charles Crowley Janney Montgomery Scott

Jennifer Osburn

Ohio Bankers League

Robin Timbrook The Farmers & Merchants State Bank

Allen Elliott The Ohio Valley Bank Company

Jevon Reile

First Citizens National Bank of Upper Sandusky

Matt Gregory FCBank, a division of CNB

Scott Heil First Federal Community Bank, N.A.

Michael Miller LCNB National Bank

Jeffrey Gorman Mechanics Bank

Shirley Pew Mechanics Bank

W Thomas Ross Mechanics Bank

Andrew Davidson

Monroe Federal Savings and Loan Association

Pamela Holsapple

Monroe Federal Savings and Loan Association

Stephanie J. Allen Park National Bank

Jennifer G. Corbitt Park National Bank

Connie P. Craig Park National Bank

Scott C. Green

Park National Bank

Stephen A. Haren

Park National Bank

Scott A. Heimann Park National Bank

Christopher R. Hiner Park National Bank

Karen K. Rice Park National Bank

Terri Sidwell Park National Bank

John Stevens

Park National Bank

Richard Kotila

The Andover Bank

Adam Muir

The Antwerp Exchange Bank Company

John Hoty

The Croghan Colonial Bank

Daniel Lease

The Croghan Colonial Bank

Jeffrey Shrader

The Farmers & Merchants State Bank

Jared Lehman

The First National Bank of Pandora

Morgan Davis

The Hocking Valley Bank

John Smith

The Home Loan Savings Bank

Andrew Hudson

The Ohio Valley Bank Company

Edward Rigel

The Union Bank Company

Cris Gossard

WesBanco Bank, Inc

Brady Bowman

WesBanco Bank, Inc.

Kenneth Compton

WesBanco Bank, Inc.

Louis Fender

WesBanco Bank, Inc.

Debra Gordon

WesBanco Bank, Inc.

Todd Edward Brown Peoples Bank

Thomas J Sansone

The Union Bank Company

Colton Barnhart Peoples State Bank

Kevin Connors

Park National Bank

Thomas Frawley Peoples Bank

Kyla Carpenter

The Ohio Valley Bank Company

Benjamin Pewitt

The Ohio Valley Bank Company

Matt Stein First Federal Community Bank, N.A.

Julie L. Strohacker Park National Bank

Michael Rywalski

The Farmers & Merchants State Bank

Jessica Short

The Farmers & Merchants State Bank

Mark Hamon The Hocking Valley Bank

Anna Montle The Hocking Valley Bank

Tiffany Kail First Federal Community Bank, N.A.

Matt Chechak Hometown Bank

Edward Brady T. Park National Bank

Todd M. Hawkins Park National Bank

Thomas Lueck The Farmers & Merchants State Bank

Gregory Mumea Mechanics Bank

Danny E. Priest Park National Bank

Ryan D. Wood Park National Bank

Brent Eastman The Ohio Valley Bank Company

Robert Graham The Farmers & Merchants State Bank

Susan Poling Jones Ohio Bankers League

Alan Geiger The Hocking Valley Bank

Brandon Krietemeyer Community Banc Consulting, Inc.

Sharon Blair The Farmers & Merchants State Bank

Travis E Vulich The Union Bank Company

Matthew Kocin Banc Consulting Partners

William Martin Fidelity Federal Savings & Loan Association

Jenny Romich First Citizens National Bank of Upper Sandusky

Suzanne Moore First Federal Community Bank, N.A.

Jonathan Steinke

Monroe Federal

Savings and Loan Association

Jason Smith

Monroe Federal Savings and Loan Association

Molly S. Bates Park National Bank

Kelly A. Herreman Park National Bank

Jodi C. Hina

Park National Bank

Beth K. Malaska Park National Bank

Michael D. Nagel Park National Bank

Gary J. Reichert Park National Bank

Timothy M. Summers Park National Bank

Daniel Weber

The Andover Bank

Sean Dockery The Andover Bank

Laura Miller The Baltic State Bank

Theresa Elfring The Croghan Colonial Bank

Steve VanDette The Croghan Colonial Bank

Marcia Latta The Farmers & Merchants State Bank

Michael Schnitkey The Farmers & Merchants State Bank

Alexis Smith The Farmers & Merchants State Bank

Brad Hillyer

The First National Bank of Dennison

Joseph Martinelli

The First National Bank of Dennison

Douglas Peterman The First National Bank of Dennison

Brian Williams

The First National Bank of Dennison

Keith Willoughby

The First National Bank of Dennison

Mindy Bobay The Hicksville Bank

Lindsey Hamlin The Hocking Valley Bank

Cherokee Stover The Hocking Valley Bank

Caitlin Barga Titan Armored, Inc.

Ben Crow

Vinton County

National Bank

Donna Brown The Union Bank Company

Ricardo Rosado

The Union Bank Company

Paul Walker

The Union Bank Company

Lance Morrison Civista Bank

Michael O'Brien

First Federal Savings & Loan Association of Newark

Brian Hall

The Ohio Valley Bank Company

Cherie Elliott The Ohio Valley Bank Company

Angela Kinnaird

The Ohio Valley Bank Company

Jay Miller

The Ohio Valley Bank Company

Rick Swain

The Ohio Valley Bank Company

Joe Wyant

The Ohio Valley Bank Company

Scott A. Davis Park National Bank

Michael D. Dudgeon Park National Bank

Carol ChilcoteLintner The Antwerp Exchange Bank Company

Patricia Burkholder The Farmers & Merchants State Bank

Kara Petersen

The Farmers & Merchants State Bank

Paula Clay

The Ohio Valley Bank Company

Deanne Morell Mechanics Bank

Benet Rupp

The Farmers & Merchants State Bank

Doug Shaneyfelt

The First National Bank of Pandora

Thomas Michael Cox The Union Bank Company

Laura Daniel The Union Bank Company

Dian Franks The Union Bank Company

Jason Recker

The Union Bank Company

Dean Vande Water The Union Bank Company

Amy Vasquez

The Union Bank Company

Lori Watson The Union Bank Company

Cory A. Smith

Park National Bank

Dana Keys

The Farmers & Merchants State Bank

Kelli Hunt

First Federal Savings & Loan Association of Newark

Vickie Reed Hometown Bank

Curt Walter Mechanics Bank

Sherri Gramann Peoples Bank

Reiley Dietrich

The Farmers & Merchants State Bank

Todd Edward Ferrell

The Farmers & Merchants State Bank

Mary Stefko

The Farmers & Merchants State Bank

Joseph Clime First Federal Bank of Ohio

Scot Evans First Federal Savings & Loan Association of Newark

Paige Houlihan Ohio Bankers League

Terri Camden The Ohio Valley Bank Company

Lori Edwards The Ohio Valley Bank Company

Louis J. Prabell Park National Bank

Lance Bennett The Community Bank

Jennifer Snode The Community Bank

Kathleen Norman First Federal Community Bank, N.A.

Alexander Rocks Mechanics Bank

Barbara A. Miller Park National Bank

Vicki L. Neff Park National Bank

William D. Nodo Park National Bank

Nathan T. Wright Park National Bank

Jacob Willey The Farmers & Merchants State Bank

Joseph McAuliffe Buckeye Community Bank

Timothy McManamon Buckeye Community Bank

Stephen Keen First Federal Bank of Ohio

Donald Plotts First Federal Bank of Ohio

Perry Walker First Federal Bank of Ohio

Thomas Weithman First Federal Bank of Ohio

Kerry Egler-Whytsell First Federal Community Bank, N.A.

Kenny Miller First Federal Community Bank, N.A.

Sharon Troyer First Federal Community Bank, N.A.

Stephenie Wilson First Federal Community Bank, N.A.

Michael Brosky First Federal Savings & Loan Association of Lorain

Michael Jaworski First Federal Savings & Loan Association of Lorain

Phil Stammitti First Federal Savings & Loan Association of Lorain

Stacey Aldridge First Federal Savings & Loan Association of Newark

Elaine McGuinn First Federal Savings and Loan Association of Lorain

Jennifer Griffith First Merchants Bank

Tammy Belcher First Mutual Bank, FSB

Chris Fisher LCNB National Bank

Ann Akers Mechanics Bank

Geneva Cummins Mechanics Bank

Shelly Kiser Mechanics Bank

Justin Marotta Mechanics Bank

Philip McClenathan Mechanics Bank

Jeanne Peters Mechanics Bank

Thomas Siegenthaler Mechanics Bank

Jerod Them Mechanics Bank

Richard Witchey III Mechanics Bank

Daniel Heitmeyer Minster Bank

Curt Conley

Monroe Federal Savings and Loan Association

Julie Daniels

Monroe Federal Savings and Loan Association

Doug Thompson

Monroe Federal Savings and Loan Association

Julie Kiplinger

Ohio Bankers League

Rachel M. Brewer Park National Bank

Amber L. Cummins Park National Bank

Heather H. Dotson

Park National Bank

Amanda K. Evans

Park National Bank

Donald R. Harris

Park National Bank

Linda M. Harris

Park National Bank

Mark A. Longstreth

Park National Bank

Michael D. Mitchell

Park National Bank

Amy M. Pinson Park National Bank

Brenda S. Shamblin

Park National Bank

Michael J. Smith

Park National Bank

Lori B. Tabler

Park National Bank

Tina L. Taley

Park National Bank

Alton P. Thompson Park National Bank

Candy J. Wade

Park National Bank

Jenny L. Ward

Park National Bank

Christa D. Wright Park National Bank

Linda M. Staubach

Park National Bank

Craig Turner

Southern Hills Community Bank

William Armintrout

Southern Hills Community Bank

Robert Carey

Southern Hills Community Bank

Jerry Waits

Southern Hills

Community Bank

Martin Cole The Andover Bank

Patrick Groner JR The Andover Bank

Marc Hanneman The Andover Bank

Christopher Kelly The Croghan Colonial Bank

Thomas McLaughlin The Croghan Colonial Bank

Dan Clark The Farmers & Merchants State Bank

Amy Cover The Farmers & Merchants State Bank

Katrina DeGroff The Farmers & Merchants State Bank

Jack Johnson The Farmers & Merchants State Bank

Jeff Justus The Farmers & Merchants State Bank

Steve Planson The Farmers & Merchants State Bank

Kent Roth The Farmers & Merchants State Bank

Arthur Short The Farmers & Merchants State Bank

Marybeth Shunck The Farmers & Merchants State Bank

Michael Smith The Farmers & Merchants State Bank

Brad Stamm The Farmers & Merchants State Bank

Cindy Delagrange The Hicksville Bank

Larry Kummer The Hicksville Bank

Amanda McAlexander

The Hicksville Bank

Daniel Schutt

The Union Bank Company

Brian Young The Union Bank Company

Chris Knight United Bankers' Bank

Doug Borchers

Versailles Savings and Loan Company

Kevin Drees

Versailles Savings and Loan Company

Darrell Boggs

Vinton County National Bank

Bill Garrett Vinton County

National Bank

Jeff Harr

Vinton County

National Bank

Dee Mowry

Vinton County National Bank

Tom Oyer

Vinton County

National Bank

Matt Poston

Vinton County National Bank

Bryan Radabaugh

Vinton County National Bank

Joe Risch

Vinton County National Bank

Christyne Calvin Vinton County National Bank

5 KEYS TO SUCCESSFUL LEADERSHIP IN 2025

Each new year brings an opportunity to reset, refresh, and reengage. As industry leaders, it's a fitting time to contemplate what lies ahead and how to navigate the inevitable uncertainties. Here are five key elements of executive leadership to keep in mind and continue refining in the year ahead.

1. STRATEGIC THINKING

Banks, by nature, are plan-oriented. Since the earliest days of modern economics, banks have endeavored to plan for the future to protect their business and safeguard their customers. However, the pace of change has never been more rapid, and effective bank leaders benefit from the ability to peer around the corner and see what lies ahead. Crafting strategies for growth while safeguarding the institution can sometimes be a tricky balancing act. A failure to plan and construct alternatives based on ever-changing conditions is not a recipe for success. Successful bank leaders always keep one eye on the windshield and not just on the regulatory-driven rearview mirror.

2. AGILITY

Much has been written recently about the need for bank leaders to be agile. This differs from being strategic and a planner. A strategic mindset provides a framework for how and where the bank is heading or which direction to move toward when circumstances change. Agility is the ability to implement changes in plans or strategic direction effectively. Developing a mindset that fosters adaptability among yourself and your executive team is a hallmark of successful modern-day leaders.

3. AUTHENTICITY

You can almost always recognize an authentic leader when you meet one. These are the executives who mean what they say and do as they promise, rather than saying one thing and acting differently. Highly authentic leaders typically possess a high level of emotional intelligence—the ability

to be significantly self-aware and moderate themselves situationally as needed. Authentic leaders can create a higher degree of followership, which directly relates to their ability to be agile in pursuing good plan execution.

4. COMMUNICATION

I’ve always believed that one cannot over-communicate, whether in personal dealings or business life. Too often, leaders fail to be open and transparent about what is happening within the institution or where the bank is heading. The lack of well-crafted internal and external communication plans makes it harder for employees to align with the strategy and changes ahead. It is challenging to create strong followership as a leader when people do not know where the company is going and how they fit in.

5. TALENT MATTERS

My favorite expression, of course. None of the above can truly be enhanced without a strong group of executive leaders, overseen by a highly capable CEO. The highestperforming banks we observe typically have a culture that employees can feel, led by individuals who embody the bank’s values and engender followership. A CEO who prioritizes attracting, retaining, and developing superior talent is best positioned to grapple with inevitable changes in strategy and evolving external and market factors. The need to pivot will arise yet again. The successful leader at the top of the organization must fully embrace the need for authentic and highly communicative leadership for the institution to thrive and grow. Anything less may put the future of the bank at risk.

Alan J. Kaplan Founder & CEO Kaplan Partners

SCARCITY OR PROSPERITY THE EFFICIENCY RATIO UNDER ATTACK

Many financial institution executives spend considerable time thinking about strategies to improve efficiency in order to improve overall profitability. The efficiency ratio is the ratio of non-interest expenses (less amortization of intangible assets) to net interest income and non-interest income, so it is effectively a measure of what you spend compared to what you make. The very name – “efficiency ratio” – makes us think about how efficient we are with those precious income dollars. If a financial institution has a high efficiency ratio, they are simply spending too much of what they make…right? That is exactly what the name implies (emphasis on the spending side of the equation). But this is just a ratio of two numbers, and as we all know, there are two ways to bring the ratio down – reduce costs or increase revenues.

The focus across industry press and conference best practices is generally aimed at strategies to cut expenses – using technology, looking at staffing levels, increasing productivity, etc. Although this advice is sound, what happens when a financial institution has already cut what can be cut AND it is still struggling with efficiency? It is sometimes difficult to save your way to prosperity.

For many financial institutions, the focus should also be on the bottom portion of the equation – increasing revenues. Let’s look at an institution that has $500 million in assets, a good return at 1% ROA, and a reasonable efficiency ratio of 60%. Let’s assume the FI can improve its efficiency ratio by 5% through revenue increase or expense reduction.

It shouldn’t be surprising that increasing revenues provides better performance even though this sometimes seems like a counterintuitive approach. Because many financial institutions need to increase investments for growth in order to significantly grow their revenues,

thereby increasing the expense side of the equation, and because of their excess capacity, this will actually make them more efficient over time. Many financial institutions have cut expenses almost to the bone and can’t materially improve their efficiency ratio by further reducing costs. They need to take a step back and realize some fundamental business dynamics that are often ignored in our industry.

Most community financial institutions still have tremendous excess capacity, meaning they could serve significantly more customers without significantly increasing expenses. The answer to improving the efficiency ratio is to fill excess capacity with brand NEW profitable customers.

How do other businesses look at the issue of excess capacity – for example a manufacturing company?

• The facility is running at 50% of the capacity it was built to produce;

• The factory has done everything it can to be as efficient as possible – evaluate staffing levels, implement technology solutions, etc.; and

• Management’s major goals and objectives are still focused on improving profitability by further evaluating already efficient processes and selling more to current customers.

Given the excess capacity at the manufacturing company, wouldn’t it also make sense to evaluate if more widgets can be run through the facility? Would the market support providing more products to more people in order to increase net income without substantially increasing expenses?

The manufacturing company analogy is very similar to the situation being faced by community financial institutions. They have branches currently attracting 30% - 50% of the new customers they were built to serve each year and it is getting worse as transaction volume continues to decline in branches. Most financial institutions have used technology and staff reductions to become more efficient; however, they still spend much of their time, effort and energy focusing on cost reductions and additional efficiency enhancement.

When a community financial institution starts welcoming significantly more new customers per year, fixed costs do not substantially change – no new branches have been built, no additional employees have been hired. Actual data from hundreds of community financial institutions illustrates the impact on actual expenses is just the marginal costs – generally an additional $30$50 per account per year (even if we must mail a paper statement). Conversely, the same data base shows the average annual contribution of each new account per year is between $250 - $350.

When comparing clients that have embraced this strategy to the overall industry over a three-year period of time (2014 to 2017), their improvement in efficiency ratio was

63% better. This has been accomplished by significantly increasing the number of new customers coming in the front doors of existing branches.

There is only so much blood in a turnip. Controlling costs, embracing technology to reduce process costs and evaluating staffing are all things financial institutions should be doing; however, if they have already become very efficient in these areas, the focus must shift to driving revenue. Most financial institutions have tremendous excess capacity in their existing branches today. The solution is to start filling them up.

Dr. Sean Payant Chief Strategy Officer Haberfeld

Many projects qualify by geography and

Get approval now and use funding up to 12 months later Residential, multifamily and commercial projects can qualify in communities where average resident income reaches up to 115 percent of HUD-defined Area Median Income (AMI) limits

If you have new loan originations, check to see if you qualify for a discounted Advance Contact your FHLB relationship manager or visit www fhlbcin com to learn more!

OBL BANKING CALENDAR

UNDERSTANDING BANK PERFORMANCE PROGRAM

Begins January 8

Interested in gaining a deeper understanding of your bank's financial performance? Wish to improve your decision-making abilities and learn more about the key drivers of your bank's success? If so, consider participating in the upcoming Understanding Bank Performance virtual series that runs from January 8 – 30.

Offered by the OBL in partnership with the Washington Bankers Association, UBP is a comprehensive training program that helps bankers better understand financial performance analysis. Throughout this program, attendees will learn how to analyze bank financial statements, understand the key drivers of performance, and make informed decisions that will drive growth and profitability.

The program is divided into eight sessions, each focusing on a different bank performance analysis aspect. The session will cover topics such as: Analyzing the balance sheet, income statement, and cash flow statement

Understanding key performance ratios and benchmarks

· Evaluating loan quality and credit risk

Identifying areas for improvement and growth

A recent UBP attendee noted: The UBP series has been the perfect foundation for me as I transition to work in our bank’s Risk Department. I loved the energy of the class and appreciate that you explained these topics in great detail. I truly feel I was able to make solid connections with the many of the items we discussed and am now better prepared and informed on these important topics.

Sessions are offered live and are also available ondemand through March 8, 2025. Visit our website to learn more about the program and register today!

BRANCH MANAGER SERIES PREPS LEADERS FOR FUTURE VIRTUAL SESSIONS

Spring Series Begins January 15

Due to popular demand, the OBL will continue to offer the virtual series Managing a Successful Branch: A Managers Bootcamp three times throughout 2025. Ideal for new and experienced Branch Managers, Assistant Branch Managers, Teller Supervisors, Lead Frontline Professionals, and those aspiring to lead the team in a retail branch, this series deepens banking and retail knowledge and provides a network of peers to share, discuss and learn.

The program, taught by Jennie (formerly Sobecki) Mitchell, owner, Focused Results, LLC, will focus on the critical skills and expectations that need to be developed to ensure that the next generation branch manager will exceed expectations and goals set for him or her. Topics include:

Session 1:

Managing a Successful Branch – Jan. 15

Session 2:

Leading Service Excellence – Feb. 12

Session 3:

Enhancing Business Development – March 12

Session 4:

Maintaining Superior Team Performance – April 9

Participants will engage in discussions, small group activities, and skills practices to ensure that ideas are shared and learning is entertaining and adopted.

Sessions for each series can be attended individually, while discounts are available for the full program.

Contact Julie Kiplinger at 614-340-7612 for additional series date details or questions.

BSA/AML CONFERENCE & BSA BASICS PROVIDE ANNUAL UPDATES

February 11 & 12 – Virtual

The annual OBL BSA/AML Conference provides bankers with a convenient and reliable way to stay up-to-date with recent BSA activity and trends as it provides regulatory updates and other information relevant to the BSA professional.

Presented by Edward Pugh of Young & Associates, Inc., the Feb. 12 virtual conference is ideally suited to employees with BSA/AML responsibilities who have a basic understanding of anti-money laundering laws and regulations, including BSA officers, compliance officers, auditors, lead tellers and risk managers.

In addition, the OBL will present a half-day BSA Basics pre-conference on Feb. 11. This 3-hour pre-program is designed for those relatively new to the world of BSA, and will feature a high-level review of all major aspects of BSA. While all are welcome to attend, the content is tailored for bankers seeking a comprehensive review of all the components of the entire BSA rule.

“Regulatory expectations for BSA continue to remain high, and in fact are increasing, and banks have to react appropriately,” said Instructor Bill Elliott, senior consultant and director of compliance, Young & Associates, Inc. Elliott also said, “There is a continued need to focus on the effective and meaningful elements of a BSA program – and the purpose of this program is to offer not only knowledge, but practical information regarding best practices to comply.”

Questions? Contact Sarah Husk at shusk@ohiobankersleague.com.

PREMIER LEADERSHIP & MANAGEMENT SCHOOLS

Registration Now Open

It is more important than ever to have a succession plan in place – which means your team needs to be ready for the challenges that lie ahead for the banking industry in Ohio. The OBL features two premier programs each year to prepare your leaders for the future, provide banking knowledge and peer networks to stand the test of time.

OBL

BANK LEADERSHIP INSTITUTE – Class of 2025-2026 kicks off September 18 & 19 (OBL Education Center)

Designed to mold potential officers into high achievers, BLI generates leaders who are better able to recognize and develop talent, build effective teams, and get results for their institutions. Under the facilitation of Joe Micallef, GrowUp Sales, and Debbie Peterson, Getting to Clarity, LLC, students strengthen their own leadership abilities and their organizations’ success through enhanced leadership, as well as organizational and performance skills. Students meet over four sessions, including participation in the 2026 OBL DC Fly-In.

OBL BANK MANAGEMENT SCHOOL

–

September 21 – 26 (OBL Education Center)

This comprehensive program, led by longtime banking consultant and school facilitator Anthony McGill, includes courses on financial management, asset liability management, liquidity management, bank investments, consumer behavior and cybersecurity. In addition, participants complete an intensive bank simulation program that allows them to experience the difficulty and impact of the tough decisions involved when running a bank. Two pre-work assignments are also required.

Limited seats are available in each of these programs, and early registration is advised. To receive student testimonials or further information, please reach out to education@ohiobankersleague.com for details.

INSURANCE SOLUTIONS

Built for Banks, Backed by Expertise

Did you know the Ohio Bankers League has its own insurance agency? OBL Insurance Services Agency, Inc. provides full brokerage services for Medical, Dental, Vision, Life, Disability, and more.

As the trusted voice for the Ohio banking community, we understand your unique needs. That’s why we’re uniquely positioned to help you build a benefits strategy that aligns with your bank’s culture—while ensuring you get the most competitive pricing available.

Our services include:

• Plan design and funding options

• Annual market checks and renewal analysis

• Compliance assistance and HR resources

• Wellness plans, claims monitoring, and more

With 27 years of industry expertise, Gauri Airi and her team deliver personalized support and concierge-level service for you and your employees. Simplify benefits, save time, and focus on what matters—your business.

Contact Gauri today to learn more about how OBL Insurance Services can help your bank thrive!

614.340.7598 | gairi@ohiobankersleague.com

AROUND THE INDUSTRY

Focus On: First Federal Community Bank, N.A.

FIRST FEDERAL COMMUNITY BANK ANNOUNCES NEW MANAGEMENT ASSIGNMENTS AND OFFICER

PROMOTIONS

Trent Troyer, who has been with First Federal since 1997, was appointed the Chief Executive Officer (CEO), a role he has held since 2000. Matthew A. Miller will succeed Mr. Troyer as President and will begin to work alongside him in day-to-day activities. Matt has been with the bank since 2009 and has served as First Federal’s Sr. Vice President, Chief Lending Officer, and member of the executive team since 2021. He is a graduate of The College of Wooster with a Bachelor of Arts in Business Economics. Matt continued his banking education by completing the Ohio Bankers League Bank Leadership Institute in April 2014 and graduating from the ABA Stonier Graduate School of Banking and Wharton Leadership Program in 2024.

Pandora, Ohio

First National Bank is pleased to announce Derrick Lee as its new Chief Financial Officer. Lee will oversee all financial operations, including financial planning and analysis, risk management, and strategic financial initiatives. He will work closely with the executive team to develop and implement strategies that support the bank’s long-term objectives and enhance its financial performance.

Bellevue, Ohio

First National Bank of Bellevue is pleased to welcome Tony White to the team. Tony will service the Erie and Ottawa County markets as a consumer and residential lender.

Monroe, Ohio

Christina Hassink has been named Chief Operating Officer at Monroe Federal Savings & Loan Association.

Erie, PA

Kevin Dixon has been promoted to Vice President, Community Responsibility Officer at Erie Bank.

In this role, Kevin manages sponsorships that support local initiatives and collaborates with small businesses to create meaningful economic and community engagement opportunities. He is passionate about financial literacy and empowering individuals and families to make informed financial decisions through supporting the Bank's financial education initiatives.

Tony White

Christina Hassink Kevin Dixon

Derrick Lee

Trent Troyer Matt Miller

1

THE TOP TEN

In this quarterly feature, the OBL highlights the ten news articles that you have visited the most at www.ohiobankersleague.com.

WHAT IS ISSUE 1 ALL ABOUT?

Whether you are voting in the ballot box early or on election day, or you are planning to vote by a mail-in ballot, you will see Issue 1 with an opportunity to vote Yes or No on it. There will be some summary language on the page you make your vote selection, however this is a particularly politically charged issue.

2 WHAT DOES A SECOND TRUMP TERM MEAN FOR BANKING POLICY?

Now that the 2024 Election is over, OBL dives into what impact we can expect on banking policy for next year.

3

OHIO ELECTION 2024- RECAP

It is November 6, 2024, and EVERYBODY can be happy about one thing – no more political ads. At least until the next election. But now we get relief from political negativity during football games just to be reminded how much the Browns and Bengals provide ample negativity on their own. I kid. But folks, we made it. Let us break down the results in Ohio from the election yesterday.

4 WHY ISN'T OHIO A SWING STATE ANYMORE?

Ohio used to be considered THE bellwether state in Presidential elections. In fact, this was the case for roughly 50 years until 2020. If you have not noticed, we are drowning in political ads for the Sherrod Brown versus Bernie Moreno U.S. Senate race – one of the top races for both Democrat and Republican political arms. But where are all the Donald Trump and Kamala Harris ads? The truth is, love it or hate it, Ohio is no longer a swing state.

5 TEXAS COURT INVALIDATES DEPT. OF LABOR'S OVERTIME RULE

Last week a federal district court in Texas invalidated the Department of Labor’s overtime rule, which would have significantly increased the salary level below which an employee is automatically subject to the Fair Labor Standards Act’s overtime and minimum wage requirements.

6 DOES THE OHIO SUPREME COURT MATTER FOR BANKS?

For this General Election coming up on November 5, the biggest ballot item is the U.S. Presidential race, followed by the Ohio U.S. Senate race. But then afterthose you start to see some names and races that are unfamiliar. Some perennial and important downballot races for the Ohio business community are the Ohio Supreme Court races.

7 CFPB FINALIZES S0-CALLED OPEN BANKING RULE

The Consumer Financial Protection Bureau (CFPB) this week released the final rule implementing Section 1033 of the Dodd-Frank Act, which mandates that banks and other financial institutions provide consumers with access to their financial information or share it with a third party at the consumer's direction.

8 OCC, FDIC ISSUE POLICY STATEMENTS ON BANK MERGERS

The FDIC and OCC issued new policies that expand the factors both will take into consideration when reviewing bank merger applications, with the OCC eliminating its expedited review process and the use of streamlined applications.

9 TRIGGERED LEADS BILL INCLUDED IN NATIONAL DEFENSE LEGISLATION

Legislation curtailing a credit bureau's ability to sell a consumer’s information to other lenders when applying for a mortgage or HELOC, was added to the must pass National Defense Authorization Act this week.

10 OBL ADVOCACY CONTINUES AGAINST HARMFUL HOMEBUYER PLUS CHANGES

Following the sudden and material changes to the Homebuyer Plus Program announced by the Ohio Treasurer of State’s office just about a month ago, there has been a significant outcry from members and the industry over the future of the program.

OHIO BASED, OHIO OWNED

For

With 25 years of experience as a trusted partner for Ohio community banks, Banc Consulting Partners is the stable provider in BOLI design, analysis, compliance and plan administration.

And don’t just take our word for it. Ask the Ohio Bankers League, where we have been a reliable Endorsed Business Partner for the last 19 years. In fact, we have earned the trust of more Ohio community banks than any other firm in the country.

So when you want the best relationship for your BOLI portfolio and a firm that is dedicated to Ohio community banks, talk to Lou Moore at Banc Consulting Partners.