REPORT STATE OF THE AMERICAN SMALL BUSINESS APRIL 2021 independentbanker.org CLOSING THE DISTANCE Online or in person, the 2021/22 ICBA executive committee is ready to tackle challenges and grab opportunities. PAGE 44 21:22 HOW TO BUILD YOUR BANK'S LEGAL BENCH The experts you need on speed dial RECREATIONAL LENDING OUTLOOK Will the boom continue or fizzle out post-COVID? ICBA Independent Banker Q April 2021 Q 2021/22 Executive Committeehttp://www.independentbanker.org