AUGUST 2024 5 Flourish 7 From the Top IN EVERY ISSUE CURRENCIES Photo News: ICBA PAC's 19th Annual Golf Classic The Checklist: 5 ways to get free publicity Rising Interest: What do customers want in a bank? In My Spare Time: Greg Niska and Mike Gargaro 10 16 PORTFOLIO 16 8 budgeting ideas that support growth Invest in what will work for your bank's needs. 20 A compelling employee perk: education benefits Contributing to employees' professional growth 80 CONNECTIONS 76 Trailblazer Elkhorn Valley Bank & Trust has a growing collection of Teller On Demand kiosks. 80 Community Spirit Richwood Bank brews up both coffee and funding for the community through its bank-owned coffee chain. 82 Powering Potential How megabank failures spurred ICBA membership growth 84 Out of Office Ben Nelson shares how he found the magic of community theater. 22 Innovation Station 4 natural advantages of solution provider partnerships 24 When should you use a staffing agency? Here's what you should know about finding the right one. 26 Leadership at All Levels 7 essentials for your leadership backpack 28 7 steps to a successful regulatory audit Preparation is key to passing a regulatory exam. 30 Ease reporting with automation Take manual tasks off your plate. 32 Portfolio Management Bond yields are starting to catch up. 34 Checks & Balances Deciphering FHFA's credit score transition Connect with ICBA @icba facebook.com/icbaorg linkedin.com/company/icba youtube.com/user/ communitybankchannel @banklocally @myicba 2 // ICBA Independent Banker // August 2024http://www.youtube.com/user/ http://www.facebook.com/icbaorg http://www.linkedin.com/company/icba