Industry Insight articles


Imagine the Groundswell

Imagine the Groundswell

By Bill Loving In high school, I had a part-time job, just like so many other young people. But instead of working at the local hardware store or as a busboy at the mom-and-pop diner down on Main Street, I was a janitor at Cardinal State Bank in Beckley, W.Va. Little did I know that […]

Divide and Conquer

Janet Mueller tackles growing compliance burdens as a shared staffer for two Nebraska community banks By Elizabeth Judd Family-style meals, secrets and Kodak moments are all meant to be shared. Until quite recently, however, community bankers hadn’t quite wrapped their minds around the idea of sharing a compliance officer. The experience of a few Nebraska […]

Your Leadership Team

ICBA’s newly elected 2013–14 officers and executive committee members are ready to serve the nation’s community banks During the ICBA National Convention and Techworld last month, ICBA formally inducted a new slate of community bankers to serve as volunteer officers and executive committee members for 2013–14. Led this year by Chairman William A. Loving Jr. […]

Jimmy Wales

Innovator Interview

2013 ICBA National Convention and Techworld Wikipedia founder Jimmy Wales talks about trusting and learning from people as an operational model You may not have heard of Jimmy Wales, but you’ve certainly heard of his most famous creation—Wikipedia, the free, digitally ubiquitous online encyclopedia site. As chair of Wikia Inc. and a board member and […]

A Family Heritage

The late Pat DuBois upheld his family’s connection to ICBA’s humble founding and transformation into a nationwide powerhouse By Tim Cook It started as an informal, discreet gathering of concerned community bankers in an out-of-the-way place in rural central Minnesota. Eighty-three years ago, 28 community bankers gathered at the Sunset Beach Resort on Lake Minnewaska, […]

Worthy Reading

By Camden R. Fine, President and CEO of ICBA Free-form dialogue and debate are central to policymaking in Washington, D.C. However, separating facts from the snowstorm of shrewdly crafted misinformation swirling in the nation’s capital can be disorienting. Even conscientiously nonpartisan veteran Washington operatives can lose their way during the policymaking process.

A Mountaineer Spirit

From his lofty vista, Bill Loving, ICBA’s incoming chairman from West Virginia, believes community banks are well-positioned to scale obstacles and reach new heights By Kelly Pike If there is one phrase guaranteed to strain Bill Loving’s otherwise steadfastly calm demeanor, it’s “We’ve always done it that way.”

Full Circle

By Jeff Gerhart Itrust that I’ve captured some of your imagination with my From the Top columns during these past 12 months, and that I’ve provided you with some ideas to consider and possibly use in your own community banks. Through this column, I’ve given you a glimpse of a typical day at the Bank […]

Revved for Performance

Lee Ely leads a 14-member team that makes SBA lending a vital cog in their Texas community bank’s engine By Elizabeth Judd Few community banks see Small Business Administration loans as their golden ticket to business success. Often, these loans are perceived as the domain of big banks because decoding the arcane and ever-changing bureaucratic […]

No Magic Necessary

Research shows combining strong relationship banking with cost-efficient management creates a powerful business model By Joseph H. Cady Community bank CEOs and directors today are thinking a lot about their institutions’ business models. According to a recent study by KPMG LLP, the professional assurance services firm, 90 percent of banks are re-evaluating their business models. […]