APRIL 2021 CURRENCIES Good Reads: Build better business relationships Banker's Hours: Organic loans The Ledger: Changing course The State of Banking: South Carolina's banking landscape Small Businesses Speak Out: Tameka Montgomery History Lesson: Setting a standard 5 Flourish 7 From the Top 80 Out of Off ice IN EVERY ISSUE 13 40 PORTFOLIO 18 Will recreational lending continue to grow? Experts expect demand to stay high 22 4 ways to conquer compliance challenges It starts with a compliance culture 25 Leadership at All Levels 11 tips to improve your next speech 80 CONNECTIONS 74 Trailblazer In a year, Barwick Banking Company went from relying on paper ledgers to a complete digital transformation 78 Community Spirit Tompkins VIST Bank is helping customers fight fraud through cybersecurity education 26 How to reach Hispanic customers Banks need to be proactive about reaching this diverse demographic 28 Converting cores during the pandemic Providers say there are benefits- and issues-to switching remotely 31 Innovation Station Deepen your customer relationships 32 Building your bank's legal bench What to weigh when hiring legal help 34 Portfolio Management Let's decode the latest bond jargon 36 The advent of real-time international payments Will global payments get faster? 40Stronger security, deeper relationships Boost your customers' cyber defense 42 Checks & Balances This year's Capital Summit is virtual Connect with ICBA 74 2 Q ICBA Independent Banker Q April 2021 @icba facebook.com/icbaorg linkedin.com/company/icba youtube.com/user/ communitybankchannel @banklocally @myicbahttp://www.youtube.com/user/ http://www.facebook.com/icbaorg http://www.linkedin.com/company/icba