JANUARY ƟǒƟǒ CURRENCIES Manasquan Bank paints the town red with Community Day Q Good Reads: Leading with radical candor Q ICBA to credit unions: Don't abandon urban communities Q South Dakota's banking landscape Q The Ledger: The hallmarks of a good leader Q History Lesson: Bank without leaving your car 72 CONNECTIONS 68 Trailblazer OceanFirst Bank retains customers through personal customer service 72 Community Spirit Liberty Bank Minnesota is leaving a legacy by donating its headquarters PORTFOLIO 18 How to boost deposits through HSAs Health savings accounts can do more than help employees to save 20 Leadership at All Levels ICBA's Lindsay LaNore says don't forget to celebrate the successes 10 IN EVERY ISSUE 5 Flourish 7 From the Top 76 Out of Office 76 38 Checks & Balances ICBA's John Coleman is a go-to resource for grassroots advocacy 22 Setting the stage for FedNow Here's what you need to know about the Fed's future payments network 24 Innovation Station ICBA's Kevin Tweddle offers five trends for the future of retail banking 26 How banks can benefit from a CRA partnership CRA collaboration between banks can benefit both organizations 30 Portfolio Management ICBA's Jim Reber reviews shifts in the yield curve throughout 2019 32 A new year for compliance Several regulatory and compliance reforms are on the horizon in 2020 34 What's ahead for lending Low interest rates will keep borrower demand high in 2020 Connect with ICBA facebook.com/icbaorg @icba linkedin.com/company/icba youtube.com/user/ communitybankchannel 74 Member Benefits Tell your story with ICBA's Marketing & Communications Toolkit this year 68 2 Q ICBA Independent Banker Q January 2020http://www.facebook.com/icbaorg http://www.linkedin.com/company/icba http://www.youtube.com/user/