JANUARY 2024 5 Flourish 7 From the Top IN EVERY ISSUE CURRENCIES Photo News: Fundraising for veterans The Checklist: 5 hiring practices to expand your candidate pool Rising Interest: 5 facts about Rosemary T. McFadden In My Spare Time: A book pick from Altabank's Stan Sorensen 10 16 PORTFOLIO 16 The lending outlook for 2024 What community banks can expect for lending this year 20 Innovation Station Data's critical role in community bank innovation 62 CONNECTIONS 58 Trailblazer The Killbuck Savings Bank Co. has digitalized its commercial lending system. 62 Community Spirit American Savings Bank and its staff stepped up amid the Maui wildfires. 64 Member Benefits Investing with ICBA Securities 66 Listen Up A look inside the top-performing State Bank of Texas 68 Out of Office Ilene Baker and her husband run an organic farm and started a farmers market in North Dakota. 22 Check fraud: 3 ways to stop it in its tracks This old-fashioned fraud has modern prevention solutions. 24 Leadership at All Levels Self-awareness in leadership 26 The regulatory year ahead Keep an eye on proposed rules in 2024 28 Swag with swagger How to draw in Gen Z through attractive incentives 30 Portfolio Management Looking at the secondary market for whole loans 32 Checks & Balances It's time to join the FedNow bandwagon Connect with ICBA @icba facebook.com/icbaorg linkedin.com/company/icba youtube.com/user/ communitybankchannel @banklocally @myicba 2 // ICBA Independent Banker // January 2024http://www.youtube.com/user/ http://www.facebook.com/icbaorg http://www.linkedin.com/company/icba